Traditional GIA Enjoy the win-win of safety and performance.

Bonus! We increase return rates on deposits over $10,000.1

Return
Up to 3.45%

Risk
Low

Find an advisor
Next section

Or give us a call
1 866 612-3473

How does a Guaranteed Interest Account (GIA) work? Simply put, it's like lending your money to an institution for a term that you determine when you initially sign a contract.

At maturity, you get back all the money you “loaned”, plus predetermined and guaranteed interest. This play-it-safe option rules out the unexpected.

 


The basics

What do I need to consider?
 

Plus le montant investi est grand, plus le taux accordé est avantageux.

Bonus! Nous augmentons les taux consentis pour les dépôts dépassant 10 000 $1.

Comme pour un prêt, la durée est déterminée avec votre conseiller, au moment de signer le contrat.

Plus vous laissez votre argent longtemps, plus le taux proposé est intéressant.

Ces sommes sont alors placées jusqu’à la fin du contrat, sauf si vous optez pour un CIG rachetable. Assurez-vous de ne pas avoir besoin de ces sous en attendant!

Vous avez 2 options avec le CIG traditionnel :

  • Le CIG rachetable, pour garder l’option de pouvoir retirer votre argent avant la fin du terme2.
  • Le CIG non rachetable, pour bénéficier d’un taux plus intéressant, mais qui demande alors de ne pas retirer les sommes investies jusqu’à la fin du terme.
Find an advisor

Ready to build your financial future?

Find an advisor

Beneva, a smart investment

We invest responsibly

Beneva only works with portfolio managers who are signatories to the UN Principles for Responsible Investment.

We personalize your strategy

We take great care in proposing diversified investments adapted to your profile. 

We keep your money safe

As a member company of Assuris, your investments are protected up to $100,000 or 90% of the benefit amount, whichever is higher.3

You can choose your beneficiary

When you invest with an insurer, you can designate a beneficiary to receive the balance of your account in the event of death. 

Service fee information
Sphère avec billes en or
Registered plan

IPP

Non-registered plan

1.  Certain conditions apply. Talk to your advisor for more details.

2. Subject to applicable fees and penalties. 

3. Specific protection for each account category. There are three categories: non-registered accounts, registered accounts (RRSPs, LIRAs, RRIFs and LIFs) and TFSAs.

If interest rates published on this site differ from those in the official list from Beneva Inc., the official list published by Beneva Inc. shall prevail.
Interest rates are subject to change at any time without notice.