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What are Guaranteed Investment Certificates? A Guaranteed Investment Certificate (GIC). Is a Canadian investment that offers a guaranteed rate of return over a fixed period of time, most commonly issued by trust companies or banks. Due to its low risk profile, the return is generally less than other investments such as stocks, bonds, or mutual funds. It is similar to a time or term deposit as known in other countries. YOU and YOUR MONEY. MONEY is a registered trademark of MONEY Canada Limited. Remember: ...

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