Pre-Encashables
Pre-encashable investment products offer you the security of a guaranteed rate with the flexibility of an early cashing option. These investments are available within an RSP, RESP and RIF.
Wait and See
This investment features a 1-year term. You have the security of knowing your rate is guaranteed for one year, but should you change your investment goals or require access to funds, you can cash in your Wait and See after 30 days in full or in part, without penalty.
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Minimum
Investment |
Term |
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Non–registered |
$1,000 |
1 year |
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Cashability:
- After 30 days in full or part
- Minimum withdrawal of $1,000 while maintaining at least the minimum investment balance.
Interest Payment Options:
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Registered
(RSP, RESP, RIF) |
$500 |
1 year |
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Cashability:
- After 30 days in full or part
- Minimum withdrawal of $500 while maintaining at least the minimum investment balance.
Interest Payment Options:
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Money Market GIC
This GIC offers a variable rate linked to the changes in TD Bank's 30-day Banker's Acceptance (BA) rates. The rate is set on the last business day of each month and takes effect the following day. This variable rate GIC allows you to take advantage of rate increases over the term without having to cash in your investment. You have the ability to cash in full after 30 days without penalty.
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Minimum
Investment |
Term |
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Non–registered
(Cashable after 30 days in full) |
$1,000 |
1 year |
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Interest Payment Options:
- Compounded monthly and paid at maturity
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|
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Registered
(RSP, RESP, RIF)
(Cashable after 30 days in full) |
$500 |
1 year |
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Interest Payment Options:
- Compounded monthly and paid at maturity
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Premium Rate Redeemable GIC
This investment offers a premium rate of interest for two years if held to maturity. If you need to access your funds, you can redeem in full after 90 days at a reduced rate.
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Minimum
Investment |
Term |
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Non–registered
(Cashable after 90 days in full) |
$1,000 |
2 years |
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Interest Payment Options:
- Paid semi-annually and at maturity
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Registered
(RSP, RESP, RIF)
(Cashable after 90 days in full) |
$500 |
2 years |
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Interest Payment Options:
- Paid semi-annually and at maturity
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