Guaranteed Investment Contracts (GICs) provide you with key benefits you're looking for:

• A solid foundation for your investment portfolio - reducing overall portfolio risk and providing you with more consistent returns
• A positive rate of return - guaranteeing that at least part of your portfolio is continually growing
• Peace of mind - you'll rest easy knowing that your principal is safe and secure
• A broad range of investment choices - for both short-term flexibility and long-term security

If you are considering a GIC, we can help you by:

• Searching for the best GIC products and interest rates
• Offering GIC products that aren't directly available directly to investors
• Customizing solutions to meet your unique investment needs

The Manulife Financial GIC provides innovative features that meet your investment needs:

1. Protect your investments from creditors
2. Save or defer taxes on your non-registered GIC
3. Save time and money for your beneficiaries
4. Ensure a solid rate of return 

Manulife Financial offers the following GIC accounts:

• 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
• 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
• Escalating Rate GIC - a GIC investment that provides you with increasing rates each year
• Daily Interest account - a GIC account that provides easy access to your money, without fees

Please contact us for more information on these products.