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Guaranteed Investment Certificate
A Guaranteed Investment Certificate (GIC) is a Canadian investment that offers a guaranteed rate of return over a fixed period of time, most commonly issued by trust companies or banks. Due to its low risk profile, the return is generally less than other investments such as stocks, bonds, or mutual funds. It is similar to a time or term deposit as known in other countries.
==Overview==
The rate of return on a GIC varies depending on the various factors, such as the length of the term and specified interest rates from the Bank of Canada. At the time of purchase, the rate is higher than the interest on a savings account. The return on the investment will be low if the savings interest rate becomes higher than the GIC rate of return and will be high otherwise.
The principal amount is not at risk unless the bank defaults. The guarantee for GICs is provided by the Canada Deposit Insurance Corporation〔(GICs and Other Term Deposits )〕 (CDIC) up to a maximum of $100,000 (principal and interest combined), as long as the issuing financial institution is a CDIC member 〔CDIC, (List of CDIC Members ). Retrieved February 3, 2014.〕 and the original term to maturity is five years or less.〔CDIC, (Frequently Asked Questions ). Retrieved February 3, 2014.〕
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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