Who should invest in Guaranteed Interest Options

A guaranteed interest option (GIO) may be ideal for investors concerned about market instability – in other words, people who want to make sure their investments remain secure over time. A GIO is an investment type that’s designed for people who don’t want to take any risks with their savings, meaning it could be attractive to Canadians who have a conservative investment style, such as those entering or already in retirement.

Of course, a GIO may also be useful for a younger investor who’s worried about market fluctuations and is focused on receiving a steady rate of return on their original investment over a set term.

In essence, then, a GIO is an investment that provides you with a clear picture of what your financial future will look like because the original amount invested – or the principal – is protected and the interest rate is guaranteed.


GIOs feature a range of interest options and investment terms, ranging from 30 days to several years, with interest rates based on the original amount invested. In other words, they’re customizable and can be tailored to meet your individual investment needs.

In addition, unlike many other kinds of investments, a GIO can be liquidated (or “cashed out”) at any time. This gives you instant access to your money, should you need it. 

Next Step

 Your decision should be made with the help of someone who really understands the product.