Manulife Financial — the best 5-Year GIC rates in the industry
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Choose a GIC with more bite.
Innovative GIC investment options
• Basic Account (½ year terms) - Earn higher rates by simply adding 6 months to a standard length term.1
• Laddered Account - Diversify your GIC portfolio by ensuring that a portion matures each year and is reinvested at attractive long-term rates. One attractive rate is given for all your initial 1 to 5 year terms.
• Escalating Rate Account - A rate that is guaranteed to increase each year until maturity.
Early cashing privileges - Access your Manulife Investments GIC in the case of emergency at any time.2
Potential creditor protection - Your GIC investment may be protected from creditors under certain circumstances, in the case of bankruptcy.
Non-registered tax advantages - Policy year tax reporting allows you to delay paying tax on interest earned for up to a year; you may also qualify for an annual $1,000 pension income tax credit if you’re 65 or older.
Powerful estate planning opportunities - Your beneficiaries will receive the full amount of your GIC investment including interest, privately and without charges upon death – avoiding probate delays and additional estate expenses.
Invest with confidence - Your GIC is backed by the strength of Manulife Financial, plus the added security of investment protection through CompCorp.3
| GIC Rate Survey – November 9, 2004 |
| Financial Institution |Daily |1 Yr (%) |2 Yr (%) |3 Yr (%) |4 Yr (%) |5 Yr (%) |10 Yr (%) |
|Manulife Investment GICs | | | | | | | |
|Basic Account - full year terms |0.75 |2.35 |2.75 |3.10 |3.40 |3.75 |4.30 |
|Basic Account - ½ year terms1 |0.75 |2.751 |3.101 |3.401 |3.751 |3.751 |4.301 |
| | | | | | | | |
|Maritime Life (MLIA) |0.75 |2.352 |2.752 |3.102 |3.402 |3.752 |4.302 |
| | | | | | | | |
|Great West Life |n/a |1.75 |2.00 |2.63 |3.13 |3.25 |2.75 |
|Sun Life |0.50 |1.65 |2.30 |2.70 |3.10 |3.50 |4.05 |
|Transamerica Life |0.20 |1.50 |1.95 |2.45 |2.80 |3.25 |4.00 |
| Bank of Montreal |0.25 |1.40 |1.90 |2.30 |2.60 |2.90 | |
| Caisses Desjardins |0.50 |1.65 |2.15 |2.55 |2.85 |3.15 | |
| Manulife Bank |2.35 |2.80 |3.20 |3.55 |3.85 |4.15 | |
|Manulife Investments Specialty GICs |1 Yr (%) |2 Yr (%) |3 Yr (%) |4 Yr (%) |5 Yr (%) | |
|5-Year Laddered Account |3.40 |3.40 |3.40 |3.40 |3.40 |1-5 year |
| | | | | | |term rates |
Source: Cannex. Annual effective rates for contracts of $5,000. Rates subject to change without prior notice. E&OE
The Manufacturers Life Insurance Company of Canada is the issuer of the Manulife Investments Guaranteed Interest Contract (GIC). 1Add 6 months to a standard length 1 to 10 year Basic Account term to get the next year’s rate. 2 Early redemption surrender charges and pension restrict ions may apply to the Manulife Investments GIC Basic, Laddered and Escalating Rate accounts. 3 CompCorp offers deposit protection on all term lengths up to specific dollar limits, visit pcorp.ca for more details.
2 For MLIA rates for non-integral terms are interpolated.
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