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Info-Reports - Investment Certificates
Cashable GICs

Today's investor has no shortage of investment options to choose from. We believe so strongly in our mission to make money management easy for our clients that we went and had it registered as our Trade Mark - Money Management Made EasyŽ.

We want you to profit from our research. This section provides a base reference source of investment products in a simple format. The information outlined below is provided to give an overall illustration of parameters that may be in effect for this investment product.

SAFETY Score:- 6 - High 
ACCESS TO FUNDS Score:- 5 1/2 - High
INCOME Score:- 2 - Low/Moderate 
CAPITAL GROWTH Score:- N/A
TYPE OF RISK Inflation, some Interest rate risk
TERM / TIME FRAME 1 years
OBJECTIVE 
  • Guaranteed interest income
  • Liquidity
  • Security of principal
INVESTMENT AMOUNTS $1,000
TAX TREATMENT Interest income
EARNINGS / DISTRIBUTIONS
  • Short term at maturity
  • At maturity
WITHDRAWALS / REDEMPTIONS Cashable after 90 days
RRSP / RRIF ELIGIBILITY  Yes 
FEATURES / BENEFITS 
  • Interest rate guaranteed at fixed rates to maturity
  • Can be cashed before maturity
  • Change and elongate investment term after 90 days 
  • Ideal alternative to both Short Term deposits/Fixed term Deposits

Table reference scale:

1 - Low 2 - Low/Moderate 3 - Moderate
4 - High/Moderate 5 - High 6 - High/Very High

Simple risk definitions:

Inflation Increases in the value of goods will erode the purchasing power of your investment
Interest Rate Rates rise - Fixed rate investments lose value
Currency The value of your investment is effected by the fluctuations in currency value
Market Stock market - economic, political or social events that produce declines in value
Credit Possible default on payments or secured assets decline below par value or face value

Choosing which investments are right for you will depend on a number of factors:

Your Primary Goal - Is it to have your money readily accessible, to have a dependable source of regular income, or to build your assets over time? Each type of investment fulfills a different need.

Your Time Horizon - When will you need the proceeds of your investment? If it's within a few months or years then short-term cashable GICs or income investments should be considered. With a long term horizon, you may want to add growth investments to the mix.

Your Risk Tolerance - Growth investments with a higher level of risk will generally pay higher return, but if your nest egg and peace of mind are key, investments with safety of principal is the answer.





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