Guaranteed Investment Certificates (GICs)
GICs secures a fixed rate of interest for a specific term, and both principal and maximum returns are guaranteed.
- Security and safety - Investors Group GICs are backed by the financial strength of Investors Group Trust Co. Ltd. All non-Investors Group GICs are backed by the financial strength of their organizations.
- Competitive interest rates - guaranteed for the full term of the investment
- Flexible investment terms - ranging from 1 year to 5 years
- Choice of interest payment frequencies
- Bonus rates on certain dollar amount purchases
- Choose from a selection of GIC companies
- CDIC protection - opportunity to maximize CDIC coverage
GICs issued by Investors Group Trust Co Ltd., and/or other non-affiliated GIC issuers.
Regulatory disclosures regarding Investors Group Trust Co. Ltd.
GIC rates – Investors Group Trust Co.
Term In Months | 12-23 | 24-35 | 36-47 | 48-59 | 60 |
Compound GICs | |||||
---|---|---|---|---|---|
RRSP and TFSA (Min. $500.00) | 0.850 | 1.075 | 1.150 | 1.350 | 1.475 |
Non-Registered (Min. $1000.00) | 0.850 | 1.075 | 1.150 | 1.350 | 1.475 |
INCOME GICs (Non-Registered, TFSA and RRIF) | |||||
Annual | 0.850 | 1.075 | 1.150 | 1.350 | 1.475 |
Semi-Annual | 0.850 | 1.075 | 1.150 | 1.350 | 1.475 |
Quarterly | 0.725 | 0.950 | 1.025 | 1.225 | 1.350 |
Monthly | 0.725 | 0.950 | 1.025 | 1.225 | 1.350 |
MINIMUM | Annual ($) | Semi-Annual ($) | Quarterly ($) | Monthly ($) | |
Non-Registered and TFSA 100[min] | 1,000.00 | 1,000.00 | 5,000.00 | 5,000.00 | |
RRIF | 5,000.00 | 5,000.00 | 5,000.00 | 5,000.00 |
Volume Bonus
Available on single GIC investments as follows:
- Investment amounts of $1,000.00 to $9,900.00 - 1/800% bonus
- Investment amounts of $50,000.00 and over - 1/800% bonus
Family grouping does not apply and multiple GIC's cannot be combined to reach the threshhold amounts.
Term Certain Annuity
Term In Months | 60 |
Annual Interest Rate (%) | 1.4 |
The above example is of payments received on a $10,000 investment at current rates. Please note the minimum payment that must be generated is $900/week.
The availability of a term will depend on the investment amount and current rates.