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With a GIC, your principal investment is safe and the rate of return is guaranteed for the term of the investment, so you don't need to worry about how market fluctuations might affect your investment.
Consider these GIC products for your investment portfolio - all are RSP eligible except the Scotia® GIC with Flex and U.S. dollar GICs.
Scotia GIC with Flex
Available as a 2-year or 3-year term investment, the Scotia GIC with Flex* can be redeemed at any time prior to maturity.
Dividend Fund GIC
The Dividend Fund GIC* is like two investments in one: Mutual fund growth potential and the principal protection of a GIC.
Market Powered GIC
Tap into the power of stock market investing with the guaranteed return of a Market Powered GIC.*
The Ultimate Laddered™ GIC
Earn a high interest rate on your investment while enjoying the benefits of flexibility and cashability - all in one GIC. Available in 3-year and 5-year terms for your registered and non-registered investments.
Accelerated Rate GICs
This 5-year term investment has an annual interest rate which increases each year of the term. What's more, this special GIC offers you the flexibility to "redeem and extend" on the 3-year or 4-year anniversary date if interest rates have gone up.
Scotia Stock-Indexed GIC
Who isn't tempted by the potentially higher returns of the stock market? Scotia Stock-Indexed GICs* offer stock market growth potential with the peace of mind that comes from knowing your principal is always guaranteed.
Cashable GICs
These special one-year GICs can be cashed any time after 30 days and with full interest. Get the benefits and flexibility of not being locked in.
Non-Redeemable GICs
These GICs generally yield a higher return because your funds are locked-in until maturity. They're available in a variety of terms, in U.S. and Canadian dollars.
* Not available for purchase or renewal through Scotia OnLine or by phone.
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