GIC Laddering

Want to maximize your GIC returns without locking in all of your money into one term? GIC laddering gives you the best of all worlds: higher rates, less risk and the ability to access funds every year.

With a GIC laddering strategy your savings is divided into five separate GICs – all with different terms and interest rates. Each year one GIC will mature, allowing you to reinvest the money into another five-year term, or access the funds if needed.
 
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An example of a $50,000 investment using GIC laddering

Investment   Today  Year 1  Year 2  Year 3 Year 4 Year 5
 $10,000 Open a 1-Year GIC GIC Matures/Reinvest new 5 Year GIC        
$10,000 Open a 2-Year GIC   GIC Matures/Reinvest new 5-year GIC      
$10,000
Open a 3-Year GIC     GIC Matures/Reinvest new 5 Year GIC    
 $10,000 Open a 4-Year GIC       GIC Matures/Reinvest new 5-year GIC  
$10,000 Open a 5-Year GIC         GIC Matures/Reinvest new 5 Year GIC