Better Returns for GIFs and HISAs

schedule
2 min.

Rising interest rates have multiple impacts. Beyond the various declines observed, they have had a positive effect on the returns of GIFs and HISAs offered by iA.

Guaranteed Interest Funds (GIF)

Guaranteed interest funds are among the first to benefit from rising interest rates since they offer higher returns than in the past few years.

For new investments, GIFs represent an interesting complement to bonds for investors looking for more financial stability. The portion of their portfolio invested in GIFs allows them, among others, to:

  • reduce the risks associated with volatility;
  • benefit from a fixed interest rate, as opposed to bonds or equity funds that are prone to fluctuation;
  • improve their portfolio diversification.


*Rates as of March 16, 2023

High Interest Savings Account (HISA)

Like GIFs, high interest savings account provide more security against volatility. The return offered by iA is also among the most competitive on the market.

In addition, unlike other financial institutions that may offer temporary promotional rates, iA provides a steady, competitive rate. More predictable and always attractive, it allows your investment to remain profitable, regardless of its duration.

See the current rate

Interesting benefits

Our GIFs and HISA also come with several interesting benefits:

  • GIFs can be redeemed at any time, unlike most GICs offered by major banks**
  • HISA allows withdrawals at any time and at no cost
  • Provide protection against creditors
  • Allow beneficiaries to receive a fast payment in the event of death
  • Have no management fees

See rates

It remains important to consider your investor profile. GIFs and HISA offer an enviable security in times of market volatility, but it is important to maintain a diversified portfolio to benefit from opportunities related to different asset classes.

Discuss your options and needs with an advisor.

* Rates are subject to change without notice.
** Surrender charges may apply if withdrawals are made before the maturity date.
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