Generate income while protecting your investment principal

Receive interest at a fixed rate for a specific term:

• Interest earned at maturity
• Eligible for CDIC (Canadian Deposit Insurance Corporation) insurance (up to $100,000)
• Minimum investment $1,000
• 1 to 5 year terms
• Some GICs are redeemable after 30 days

Invest in the shortest-term money market option issued by the federal government, with a higher rate of return:

• Fully guaranteed by the Government of Canada
• U.S. and foreign T-Bills available
• Minimum investment $100,000
• Not CDIC insured
• 1 month to 1 year terms
• RSP/RRIF (Retirement Savings Plan/Registered Retirement Income Fund) eligible

Earn a guaranteed compound annual return based on the rate specified at purchase:

• Maintain unrestricted access to your funds
• Same high quality and security as federal and provincial T-Bills
• Fully guaranteed by the issuer
• Not CDIC insured
• May be sold prior to maturity with no interest paid
• Maturity varies by issue

Fixed rate investment options issued by corporations (BA) and banks (BDN), guaranteed by the issuing financial institution:

• 1 month to 1 year terms
• Generally higher yields than federal T-Bills
• Canadian and U.S. dollar options
• Not CDIC insured
• RSP/RRIF eligible

Issued by a corporation to raise money for expansion, and pays a slightly higher return than most T-Bills:

• Variety of risk levels
• Available in U.S. dollars for both U.S. & Canadian companies
• 1 month to 1 year terms
• Minimum investment $100,000
• Not CDIC insured
• RSP/RRIF eligible

Redeemable savings bonds offering guaranteed interest rates based on a specific term:

• Canada Savings Bonds offer minimum guaranteed interest rates, redeemable anytime
• Canada Premium Bonds offer higher rates, redeemable once a year
• Fully guaranteed by the Government of Canada
• Choice of regular interest bonds (R) or compound interest bonds (C)
• Purchase limits and restrictions on eligible purchases apply
• Maturity 10 years

Government guaranteed savings bonds that are redeemable on specific dates, usually twice per year:

• Fully guaranteed by the Government of Canada or issuing provincial government
• Choice of regular interest bonds (R) or compound interest bonds (C)
• Purchase limits and restrictions on eligible purchases apply
• Maturity varies by issue

Receive interest at specific times during the investment period, which can be reinvested for a potentially higher return:

• Principal amount and interest rate guaranteed when held to maturity
• Lock in attractive rates for terms up to 30 years
• Issued and fully guaranteed by the government (i.e. Municipal, Provincial, or Federal)
• Maturity varies by issue

Lend your money to a home buyer or business, with the bank working as a middleman between the home buyer and the investment market:

• Interest rate guaranteed for chosen term when held to maturity
• Receive a regular monthly income flow
• Fully guaranteed by the Canadian Mortgage and Housing Corporation (CMHC)and secured by mortgages (issued by a financial institution)
• The security can be a structured note, a bond, or other types of asset-backed security
• Can be sold any time prior to maturity at current market value (with accrued interest)

Earn higher rates than those offered by regular bonds:

• Compounded interest
• Maintain access to your funds
• Same high quality and security as federal and provincial T-Bills
• Fully guaranteed by the issuing government or corporation
• Not insured by CDIC
• May be sold prior to maturity
• A flexible option for a self-directed Retirement Savings Plan (RRSP)

A higher risk investment (they are issued by foreign governments, municipalities or corporations without Canadian legal regulations) available for purchase in Canadian currency to help you avoid exchange rate fluctuations/losses:

• Interest paid out annually
• Hedge against a decline of the Canadian dollar (or domestic currency of the issuer)
• Not insured by CDIC
• Terms of up to 30 years

With these bonds, the principal is tied to the Consumer Price Index (CPI) to guarantee you receive a return that is higher than the inflation rate:

• Principal amount and interest rate guaranteed in real terms (adjusted for inflation) when held to maturity
• Lock in very attractive rates for Yield based on Consumer Price Index
• Fully guaranteed by the Government of Canada
• Terms of up to 30 years