Fixed-rate term investments

Do you have some money and don’t know where to invest it? Are you worried about stock market downturns? Choose fixed-rate term investments—one of the most secure ways to invest!


  • Guaranteed return at maturity
  • Capital guaranteed at death
  • Security: interest rate and investment term are known from the start
  • Protection against market downturns

Choosing a term investment

This competitive investment product has a number of options, and you’ll need to weigh them carefully because once you’ve selected an investment, you can’t go back and make changes.

  • When will you need the money? In one year? Several? Not sure?
  • Do you want to protect your savings from market fluctuations? Your capital is guaranteed and you’ll know the interest rate from the start.
  • Do you want to make an investment while reducing your taxes? Some investments are RRSP- or TFSA-eligible.
  • Are you already receiving a pension? If you’re 65 or older, you may qualify for pension income tax credits or be eligible for pension income splitting.

Make an appointment with an advisor Opens in a new window. who can help you figure it all out!

Investment types

What do you want?Daily Interest
Term Investment
Term Investment
To be able to withdraw your money whenever you want Inclus Inclus Not included
A fixed and guaranteed interest rate Not included Inclus Inclus


FeaturesDaily Interest
Term Investment
Term Investment
Investment term Variable Fixed
Between 3 months and 20 years
Between 1 and 9 years
Initial minimum deposit Not included $500 $500
Eligible plans RRSP, TFSA and non-registered plans RRSP, TFSA and non-registered plans RRSP and non-registered plans
Interest rate Variable
Daily fluctuations based on the markets
Set based on the investment term and amount
Higher than the rate for redeemable term investments
Interest payment Every 6 months
At deposit anniversary date
Simple or compounded annually
At maturity
Compounded annually

Get a fixed-rate term investment

Make an appointment with your advisor today. They’ll assess your financial needs and recommend the right product for you.