Guaranteed Investment Certificates (GIC)

HomeInvestment and RetirementGuaranteed Investment Certificates (GIC)
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Grow your savings worry free thanks to the guaranteed investment certificate (GIC)

GIC investments, excluding the Market Index Uniflex funds, offer guaranteed capital and interest. You benefit from fixed interest rate during the investment. Your return is thus known and guaranteed from the deposit, no matter how well the financial market performs.

GIC products are ideal to:

GIC investments are perfect to:

  • Save for a major project
  • Secure a part of your portfolio
  • Save for retirement
  • Get a retirement income

Uniflex

Uniflex is a competitive short-term investment product with 100% guaranteed interest rates for a period from 1 to 5 years. Investors know from the beginning the investment’s final performance.

FEATURES

  • Redeemable at all time (with penalties defined in contract)
  • Flexible thanks to choices of interest rates calculation: compound, simple yearly-allocated or simple monthly-allocated
  • Available for registered retirement savings plan (RRSP) or non-registered, locked-in retirement accounts (LIRA), registered retirement income fund (RRIF), life income funds (LIF) or tax-free savings accounts (TFSA)

ADVANTAGES

  • 100% protected capital
  • Fixed interest rates for the entire investment period (final performance set when contract is issued)

Participating Uniflex

Participating Uniflex helps you maximizing investments for a limited period of 1 to 5 years. This solution guarantees a competitive interest rate and an annual dividend, up to 0.40%.

FEATURES

  • Redeemable at all time (with penalties defined in contract)
  • Flexible thanks to choices of interest rates calculation: compound, simple yearly-allocated or simple monthly-allocated
  • Available for registered retirement savings plan (RRSP) or non-registered, locked-in retirement accounts (LIRA), registered retirement income fund (RRIF), life income funds (LIF) or tax-free savings accounts (TFSA)

ADVANTAGES

  • 100% protected capital
  • Basic interest rates guaranteed
  • Annual dividend, up to 0.40%

10-Year Step-Up Uniflex

10-Year Step-Up Uniflex is a secure investment solution with growing annual interest rates for 10 years. It fits short-term to long-term investors as it is redeemable with no penalty at each policy anniversary.

FEATURES

  • Yearly compound interest rates
  • Available for registered retirement savings plan (RRSP) or non-registered, locked-in retirement accounts (LIRA), and tax-free savings accounts (TFSA)

ADVANTAGES

  • 100% protected capital
  • Guaranteed increasing interest rates for 10 years
  • Redeemable without penalty at each policy anniversary

Uniflex 10

Uniflex 10 locks up capital for 10 years. It grows with the interest rate of Uniflex 5 years for the first 5 years, then at a subsidized interest rate for the following 5 years.

FEATURES

  • • Redeemable at all time (with penalties defined in contract)
  • Yearly compound interest rates
  • Available for registered retirement savings plan (RRSP) or non-registered, locked-in retirement accounts (LIRA), and tax-free savings accounts (TFSA)

ADVANTAGES

  • 100% protected capital
  • Higher interest rates than Progressive Uniflex as there is no redeem without penalty.