GUARANTEED INTEREST FUNDS
Combine returns and security with this investment option that allows you to save risk free and diversify your portfolio.
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What are guaranteed interest funds?
Similar to guaranteed investment certificates (GICs) offered by banks, guaranteed interest funds (GIFs) are an investment option that offers a fixed, guaranteed interest rate for the duration of your investment. However, they offer, at no additional cost, benefits that are not available with GICs, such as quick settlement in the event of death and possible creditor protection.
Our GIFSs offer competitive returns based on market interest rates. You can choose terms of one month, one to five years or ten years. They are ideal for investors who seek stability and want to protect their capital from market fluctuations while diversifying their portfolio.
See current ratesBenefits
Benefits of guaranteed interest funds
- Reduce the risks associated with market volatility
- Improve portfolio diversification
- Guarantee 100 % of the capital at maturity
- Offer competitive returns
- A great alternative to bonds
- Available in all types of registration (RRSP, TFSA, etc.)
- No management fees
- Both individuals and corporations can benefit from this investment vehicle
Benefits specific to iA guaranteed interest funds
- Redeemable at any time*
- May include creditor protection
- Allows for quick and easy payment in the event of death thanks to beneficiary designation
- No estate settlement costs
*Surrender charges may apply if withdrawals are made before the maturity date.
How to invest in a guaranteed interest fund (GIF)
Speak with an advisor
Contact a financial security advisor to discuss your investment goals. They could help you determine your investor profile and do a needs analysis.
Find an advisorOpen an account
Following analysis of your financial situation and needs, your advisor will propose the investment vehicle best suited to your situation:
RRSP, TFSA, non-registered contract, etc.
Discover our savings plansChoose a term
Depending on your savings goals and desired rate of return, you can choose from the following term options:
* Annualized simple rate; annualized compound rate for other terms.
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