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 Months12-2324-3536-4748-5960
Compound GICs
RRSP and TFSA
(Min. $500.00)
0.8501.0751.1501.3501.475
Non-Registered
(Min. $1000.00)
0.8501.0751.1501.3501.475
INCOME GICs (Non-Registered, TFSA and RRIF)
Annual0.8501.0751.1501.3501.475
Semi-Annual0.8501.0751.1501.3501.475
Quarterly0.7250.9501.0251.2251.350
Monthly0.7250.9501.0251.2251.350
MINIMUMAnnual ($)Semi-Annual ($)Quarterly ($)Monthly ($)
Non-Registered and TFSA 100[min]1,000.001,000.005,000.005,000.00
RRIF5,000.005,000.005,000.005,000.00
Volume Bonus
Available on single GIC investments as follows:
  1. Investment amounts of $1,000.00 to $9,900.00 - 1/800% bonus
  2. 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 Months60
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.

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