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The Best of the Best
Guaranteed investment Certificates Last updated:  


Click on any row in the above tables to view the complete rate survey for that product.
See what your savings can earn:

Guaranteed Investment Certificates
Interest
Payment
Years
1 2 3 4 5
Annually
Max Rate
Semi-Ann
Quarterly
Monthly
Tax-Free

Demand Accounts

Cashable*

$5,000


Savings Account


US Savings Account

Short Term Deposits
Days
30-59 60-89 90-119 120-179 180-269 270-364

Registered Retirement Savings Plans (RRSPs)
Compounds Years
1 2 3 4 5
Annually

Registered Retirement Income Funds (RRIFs)
Note: Varying deposit
amounts per rate.
Years
1 2 3 4 5
Ann / Compound

Note that rates for different terms may have different deposit amounts. View the complete table to see the required deposit.

Why settle for what your local bank branch is offering? (Click for a comparison)
At Fiscal Agents, we use our GIC buyingpower to gain higher deposit rates from financial institutions -
including some of Canada's major banks - and pass these top rates on to you!

Call Fiscal Agents - your no-fee deposit broker.

Local 905-844-7700 or Toll-Free Number: 1-866-434-7225

Where over 20 financial institutions (here) compete for your business!
Rates are subject to change without notice, E.O.E.

*In most cases no interest is paid on cashable GICs if they are redeemed within 90 days of purchase or an interest rate adjustment will apply.
We make available deposits issued by member institutions of Canada Deposit Insurance Corporation (CDIC),
Deposit Insurance Corporation of Ontario (DICO) or Assuris, the deposit protection scheme offered via the insurance industry.


Invest with the authority on GICs
Fiscal Agents is recognized as the authority on GIC issuers. We provide accurate daily rate information to many of Canada's leading national and regional newspapers and web sites including the Toronto Star, National Post, Yahoo.ca MSN.com, Canoe.ca
Helping clients earn higher returns
Since 1977, we've consistently provided more earning power for our clients than any local bank with our exceptional, wholesale bonus GIC deposit rates.
Who's talking about us (read more)
"If you want to know how much more you will earn with a higher-rate GIC or savings account you can go to fiscalagents.com and check out the GICs Rate and Return Calculator." - Ellen Roseman, Personal Finance columnist for The Toronto Star, quoted in her article "Getting better rates from smaller banks".
"My all time favorite Web site, These guys really have their stuff together and they offer consumers a wide range of calculators (personal planners and worksheets) to help us sort out our money." - Gail-Vaz-Oxlade, Personal finance columnist for Chatelaine's Your Money section, quoted from her article Calculating your Options. Look for Gail's TV show Till'debt- Do Us Part


The Learning Centre
How much are you paying - Check out the drug dispensing fees at the local pharmacy  

The Learning Centre

Guaranteed Investment Certificates
With so many incarnations of Guaranteed Investment Certificates (GICs) available today, customers are demanding current and up to date information. We can lead you through the ins and outs of this popular investment. (Click to read the complete article)
The Learning Centre

Mortgages
Don't make a mistake by rushing headlong into the mortgage mayhem. Take the time to do your homework and check out our collection of mortgage information, advice and handy mortgage tools. (Click to read the complete article)
 
The Learning Centre

Registered Retirement Savings Plans (RRSPs)
For years, Registered Retirement Savings Plans (RRSPs) have been helping Canadians save for their retirement. They allow contributions to grow on a tax deferred basis until they are withdrawn and provide contributors with a useful deduction on their taxes. (Click to read the complete article)
 
The Learning Centre

Registered Retirement Income Funds (RRIFs)
When the time comes to finally retire, will you have the resources to live the life you have imagined? Here we explore the options available to establish a consistent income throughout your post-employment years. (Click to read the complete article)
 


Features
   

The Learning Centre

Ask An Expert
Question: My Mother has some GIC's with your Company from several different banks and trust companies. Can she put beneficiaries on them, or will they have to transfer to her estate when she passes?

Answer: She can't put beneficiaries on them as there isn't a beneficiary option for a Bank, Trust Company or Credit Union GIC. What she can do is have the GICs in joint names so that they do not have to be included in probate when she passes away. The joint ownership can be structured so that the joint owner either becomes a beneficial owner of the investment ( the money will pass directly to the joint owner when your mother passes away) or the joint owner can just be there for convenience to avoid probate but the money will actually go to your mom's estate rather than the joint owner. There is a declaration that can be signed for either circumstance depending on your mother's wishes. (Click to read more Q&As)
Products & Services

The Cornerstone of Financial Independence is not a privilege of the rich... It's a plan of the wise...®
The concept of Cornerstone® Planning stems from the simple "plan of the wise" statement above. By following the process that we have put together, you will have the benefit of the collective investment wisdom which we have acquired over our 20-plus years in this business. We have been through both bull and bear markets, as well as periods of high and low interest rates. Why not benefit from our learned wisdom now rather than make costly mistakes as a result of investment inexperience? (Click to read the complete article)











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The Ten Principles of Being Rich follows the life stories of three typical investors, and explains how investment fundamentals are influenced by time constraints as they develop and monitor their financial plans.


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The Money Management Newsletter: Managing Money
Choosing a good financial adviser is the most important investment you'll ever make


Many people spend more time planning for a vacation or buying a sofa than they do planning for their financial future. When they finally decide it's time to put their financial house in order, they don't know where to start.

Start by getting some professional help. You shouldn't hesitate seeking professional financial advice any more than you would avoid seeing a doctor when you're sick. A professional financial adviser can help you set up a financial plan. He or she can help you determine which investments are best suited to achieve your financial goals, establish a savings program to build your assets, and explain the potential risks and rewards of different investments.

Probably the most important contribution an independent financial adviser can make is to help you stick to your plan. Research conducted by Dalbar Financial Services found that during an 11- year period ending June 1995, U.S. investors with a financial adviser held their funds longer and earned almost 17 per cent more in total cumulative return on their investments than those who purchased their funds directly.

Finding a financial adviser is no different form finding a doctor. People are usually willing to give a good reference. Ask you friends and relatives for recommendations. Ask about the adviser's experience, track record, services, investment approach and fees. And don't be afraid to request credential. Remember, it's your money and your future. If the person you're considering makes you feel like you're wasting his or her time, chances are, you'll be wasting your money.

Interview any financial adviser you're interested in to be sure he or she fits your style and risk tolerance.

The candidate must understand your investment needs. He or she must be someone you trust, and someone who can tailor a portfolio to meet your personal requirements. A conscientious planner will use the initial meeting to discuss your financial situation, objectives and risk tolerance level.

Consider asking your prospective financial adviser the following questions:

  • What are your qualifications?
  • Do you understand my attitude towards risk?
  • May I see a sample of a completed financial plan?
  • What services will you provide and how often?
  • What fees or commissions do you charge?
  • Can you provide references?

If you've decided to invest in mutual funds, be sure to ask these additional questions:

  • How much will it cost to buy into the fund after commissions and fees?
  • Will I receive an annual review of the fund and the fund manager's strategy?
  • How often will Receive detailed information about the fund?
  • Will my investments be compared periodically with competing funds?
  • Will you check with me on a regular basis to find out if my investment needs have changed?

If you're ready to get your finances in order, start by investing in professional financial help. Ultimately, choosing a financial adviser is the most important investment you'll make.

Fiscal Agents - Advisors

How often do we say this to ourselves? The time pressures we are under are enormous, and we simply don't have the time to "do it all." Yet when it comes to money matters, even if you have the time, do you really have the expertise to sift through information on mutual funds, GIC options, retirement plans, RRIFs, LIFs and all the other investment "ifs?" Would you have confidence in your decision?

 

Use the Read More link to view the complete article.

 

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