Invest Financial

A Guaranteed Investment Certificate GIC is a term deposit that offers a guaranteed rate of return over a fixed time period. GICs are most commonly issued by Canadian banks or Trust companies. In most circumstances [1] they are covered by deposit insurance from the Canada Deposit Insurance Corporation CDIC or a provincial deposit insurance program. GICs with a term of less than 1 year are considered cash equivalents and are alternatives to money market funds or high-interest savings accounts HISA.

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