Guaranteed Investment Certificates (GIC)
Choose the worry-free investment
With a GIC, your principal investment is safe and the interest rate can be fixed or variable for the term of the investment.
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A non-redeemable GIC generally yields a higher return.More details about Non-Redeemable GICs
Cashable GICs are one-year term investments that can be cashed any time after 30 days without penalty.More details about Cashable GICs
Market Linked GIC
Now you can enjoy the potential for equity return with principal protection.More details Scotiabank Equity-Powered GICs
Reinvest on the 3 or 4-year anniversary of your GIC and, if rates are rising, benefit from an increased interest rate.More details
Get the 3 or 5-year interest rate on the full amount of your investment, even in year one.More details
Get a more attractive return than most short-term investments, with the flexibility to move your money if you need to.More details
Market Linked GIC
Get a higher potential rate of return tied to the performance of the S&P/TSX 60 Index1, up to a specified maximum.More details about Scotia Stock-Indexed GIC
- 1 Standard and Poor's" and "S&P" are trademarks of The McGraw-Hill Companies and have been licensed for use by The Bank of Nova Scotia and its subsidiary companies. "TSX" is a trademark of The Toronto Stock Exchange and has been licensed for use by The Bank of Nova Scotia and its subsidiary companies. Scotia Stock- Indexed GICs are not sponsored, endorsed, sold or promoted by Standard & Poor's or The Toronto Stock Exchange and neither party makes any representation regarding the advisability of investing in these products. Read more
- 2 The last issues of the US Market and G7 Scotia Stock-Indexed GICs were issued on January 12, 2009.
- 3 The last issue of the Market Powered GIC was issued on January 18, 2011.
- 4 The last issue of the Scotia Dividend Fund GIC was issued on October 18, 2010.