Fixed Income & GIC Investor

Bonds

Borrowing with Bonds - Bonds serve as a financial tool enabling governments or corporations to borrow money from investors. They are issued with a predetermined interest rate over a specified period, from issuance to maturity.
Interest Determinants - The interest rate or coupon paid for the loan is influenced by factors like the issuer's creditworthiness and prevailing market rates.
Vital Asset Class - While investing in bonds may appear intricate, they play a crucial role in diversifying your portfolio. Including bonds or fixed-income securities ensures a well-balanced and secure investment strategy.

The Laddered GIC Account

The Laddered GIC Account is 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:

Diversified Portfolio: We evenly divide your investment into multiple term lengths, all starting with an attractive initial interest rate. Choose from laddered terms of one to five years or one to ten years.
Automated Maturity: A portion of your investment matures annually. You can opt for automatic reinvestment into five- or 10-year terms or withdraw funds.
Interest Flexibility: Interest can compound until maturity or, for non-registered accounts, be credited monthly, quarterly, semi-annually, or annually to the Daily Interest Account.
Liquidity: Cashable in whole or in part, at any time*.

Benefits:

Rate Stability: Safeguard against future interest rate fluctuations with an initial competitive rate for all terms.
Effortless Renewal: Your GIC investments can renew automatically into attractive long-term rates, with minimal involvement required.
Access Anytime: Your funds are available when you need them*

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*Surrender charges may apply if withdrawals are made prior to the maturity date. Withdrawals may be subject to legislative or contract restrictions. Additional information is available from your advisor.

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Principal Protected Structured Notes (PPN)

PPNs, also known as deposit notes, offer a unique investment opportunity that blends principal protection with the potential for equity market growth. With typical terms of six to eight years, PPNs tie their returns to the performance of equity investments.

Benefits of PPN:

Principal Protection: Your initial investment is safeguarded, ensuring peace of mind.
Equity Market Participation: PPNs are typically linked to the performance of an equity investment, giving you the chance to benefit from market growth.

Whether you're a seasoned investor or new to the financial landscape, Principal Protected Notes provide a secure way to explore the benefits of both worlds.

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Guaranteed Interest Contract (GIC)

Are you seeking security for your investment portfolio and peace of mind? Look no further than Guaranteed Investment Certificates (GICs). They offer a solid foundation for your investment strategy by reducing risk and providing consistent returns. Here's why you should consider GICs:

A Solid Foundation: GICs act as the bedrock of your portfolio, enhancing stability and risk management.
Positive Returns: Enjoy the confidence of guaranteed growth in at least a portion of your portfolio.
Peace of Mind: Your principal is safe and secure, allowing you to rest easy.

GIC provides certain benefits that may not be available through mutual fund organizations, banks, or trust companies, plus a broad range of investment choices: