Basic GIC Account
A cashable GIC investment that offers you the security of guaranteed
interest rates –but also the flexibility to cash-in if the need arises
Key Features
How you Benefit
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• You can plan your maturity dates to line up with future
Available half-year rate bonus – add six months to a
standard length term and get the next year’s rate (i.e. a
2 1/2 year term would receive the standard 3 year rate)
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Interest can compound to maturity – or, for a nonregistered GIC account, be credited monthly, quarterly,
semi-annually or annually to the Daily Interest Account
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Pick any maturity date you desire
Cashable in whole or in part at any time*
Terms from 1 – 10 years (up to 30 years for
registered retirement income GICs)
* Early redemption surrender fees may apply. Withdrawals may be subject to
legislative or contract restrictions. Additional information is available from
your advisor.
investment plans, expenditures or lifestyle changes
• You can earn a higher interest rate by simply adding six
months to a standard length term
• Your funds are available to you at any time – when you
need them*
Laddered GIC Account
A GIC investment that will automatically diversify your portfolio, by ensuring that a
portion matures each year and is reinvested at attractive long-term rates
Key Features
How you Benefit
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• You have greater protection against fluctuating interest
Your investment is evenly divided into multiple term
lengths, all receiving the same initial competitive interest
rate (i.e. into 1, 2, 3, 4 and 5-year terms)
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Laddered terms of 1 to 5 years, or 1 to 10 years
A portion of your investment matures each year and can
either be automatically reinvested into 5 or 10-year terms
or withdrawn
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Interest can compound – or, for a non-registered GIC
account, be credited monthly, quarterly, semi-annually or
annually to the Daily Interest Account
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Cashable in whole or in part at any time*
* Early redemption surrender fees may apply. Withdrawals may be subject to
legislative or contract restrictions. Additional information is available from
your advisor.
rates in the future
• One attractive initial interest rate for all your investment
terms
• Your GIC investments can renew automatically into
attractive long-term rates, with minimal involvement by you
• Your funds are available to you at any time – when you
need them*
Escalating Rate GIC Account
A GIC investment that provides you with increasing interest rates each year
Key Features
How you Benefit
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• Regardless of whether interest rates rise or fall, the rate
Guaranteed increasing rates for each year of the term
Very attractive interest rates for the final years of
the term
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Interest will compound to maturity
on your Escalating GIC investment is guaranteed to
increase during each year of the term
• You can lock-in now to guarantee higher interest rates in
later years
Cashable in whole or in part at any time*
• Your funds are available to you at any time – when you
Terms of 3 or 5 years
* Early redemption surrender fees may apply. Withdrawals may be subject to
legislative or contract restrictions. Additional information is available from
your advisor.
need them*
Market Growth GIC Account
A GIC investment that enables you to participate in the growth potential of
market-based investments, while guaranteeing your principal
Key Features
How you Benefit
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• You can participate in the growth potential of
Links your returns to market-based investments selected
by Manulife Investments
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Investment growth during the term is credited on the
maturity date*
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Your principal investment is 100% guaranteed at the
maturity date
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Non-cashable during the term
Offered by Manulife Investments during limited
time periods
* Interest is based on the performance of a market-based investment, and is
credited on the maturity date. At any date prior to the maturity date, the
interest is zero and the value of the investment is the principal amount.
market-based investments – and your principal is
100% guaranteed
• Enables you to diversify your GIC portfolio and to benefit
from a unique investment type, while guaranteeing your
principal
Daily Interest Account
A GIC account that provides easy access to your money, without fees
Key Features
How you Benefit
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• A convenient place to ‘park’ your money while you take
A short-term holding account
Money is available anytime without fees
Interest is compounded daily and credited monthly
time to make longer-term investment decisions
• Gives you access to your money anytime without fees, to
meet your short-term liquidity needs
• Also useful if you want to consolidate your funds for
future investment purchases
Retirement Income Features
You can enjoy additional retirement income benefits with the
Manulife Investments GIC
Key Features
How you Benefit
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• Provides you with a wide range of flexible options for
Choose from Basic (cashable), Laddered or Daily Interest
Account investment types
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Select from several payment frequency options – monthly,
quarterly, semi-annual or annual
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Scheduled payment amount options – choose the
government prescribed minimum or maximum, level or
indexed payments
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Withdrawal order options – choose to have proportional
payments drawn from all GIC investments in your
contract, or using the interest first from the GIC
investments with the lowest rates
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Flexible withholding tax options – you choose the tax
rate, subject to minimums
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Payments deposited directly to your bank account
Free annual cash withdrawal option – in addition to
scheduled payments, you can withdraw up to 10% of the
total plan value once per year, to a maximum of $10,000,
without charge
payment frequency, payment amounts, withdrawal
orders and withholding tax
• Ability to change your payout options as your needs
change
• Greater access to your money with additional 10% free
annual cash withdrawals
• Automatic payments are conveniently deposited to your
bank account