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Guaranteed Investment
Certificates (GICs)

Guaranteed Investment
Certificates (GICs)

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What is a GIC?

Benefits of GICs

Stable returns

GICs can be particularly beneficial during times of high interest rates, as they provide a guaranteed return on investment that is unaffected by market fluctuations.

Portfolio diversification

Including GICs in your investment portfolio can help diversify your holdings, reducing overall risk and providing a more stable income stream.

Capital preservation

As GICs offer a guaranteed return, they're an excellent choice for conservative investors looking to preserve their capital while earning a modest return.

How to buy GICs

With a self-directed Questrade account, you can handpick the GICs most suited for your personal goals and needs in just a few easy steps.

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Invest in GICs easily with Questrade

Min. $5,000 purchase*

*Fees may apply if withdrawn early

Trade GICs with confidence

With a self-directed Questrade account, you have access to the tools, resources and support you need to make GIC trades confidently.

Self-directed investing

I want to build my portfolio

  • Trade stocks for as little as 1¢/share 1, buy ETFs for free 1, and more

  • Find fresh new trading ideas with easy-to-use research tools

  • Mobile, web or desktop—trade your way on powerful platforms

We’re here to help you get started

Our account specialists are available to assist with any account-related questions you may have, and to help you get set up.

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Reach us by phone

Toll-free Within Canada

1.888.298.4515

From the U.S.

1.416.227.6615

International

(001) 416.227.6615

Phone hours

Monday-Friday, 8:30 AM to 8 PM EST

Get answers to frequently asked questions

Yes! GICs are one of the many assets you can add to your portfolio with a registered account. They are also available in non-registered accounts.

Cashable GICs allow for early withdrawal of funds before the maturity date without incurring any penalties.

With non-redeemable GICs, your funds are locked in for the entire term, and the issuer doesn't permit withdrawals before the maturity date.
A non-registered GIC is a GIC held in a non-registered account, such as Margin or Cash accounts.

1Exchange and ECN fees may apply. Only applies to Canadian and US listed ETFs.