Manulife Investments basic GIC accounts

Manulife Investments basic GIC accounts are simple investments that can bring an important element of security to a financial plan because there’s no exposure to the market.

GICs from Manulife Investment Management offer very competitive rates and 30-day rate guarantees. In addition, a Manulife Investments GIC provides insurance company benefits, such as tax advantages for nonregistered contracts, the ability to pass on money tax free to beneficiaries, and potential creditor protection. A large case program is also available for investors with GIC assets of $500,000 or more.

Two investment options are available:

1. Manulife Investments basic GIC account (cashable)

  • Offers a half-year rate bonus by adding six months to a standard term length
  • Allows investors to align maturity dates with future investment plans, expenditures, or lifestyle changes
  • Provides the flexibility to cash in if the need arises1

2. Manulife Investments basic GIC noncashable account

  • Offers a higher rate compared with a standard term in the basic GIC account (cashable)
  • Allows investors to align maturity dates with future investment plans, expenditures, or lifestyle changes

Note: A daily interest account is also available. This is a convenient place to park money while investors take time to make longer-term investment decisions.

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GIC refers to a guaranteed interest contract. 1 Surrender charges may apply if withdrawals are made prior to the maturity date. Withdrawals may be subject to legislative or contractual restrictions.