Invest with GICs, Term Deposits, and Mutual Funds

Explore your Personal Savings and Investing options.

Tabs Menu: to navigate this menu, use the left & right arrow keys to change tabs. Press tab to go into the content. Shift-tab to return to the tabs.

GICs and Term Deposits
Mutual Funds

Professional woman passing a document to another woman

What are GICs and Term Deposits?

GICs and Term Deposits both offer secure investments.
Term Deposits tend to have a shorter investment period of one year or less.
GICs can be locked in for longer terms, up to 5 years.
Both are a safe way to save money because your initial investment (principal) is protected.
Depending on the type of GIC you choose, you may earn a guaranteed rate of return for the term of your investment.

Laddering Maturities: How to spread risk to maximize returns

A laddered maturities¹ plan can be an effective way to help you maximize GIC returns while maintaining a secure portfolio.

Terms & Conditions

¹ Laddering strategies can be ideal for shorter time horizons too. The key is to spread out your investments and maximize your return over your preferred time horizon.

Quick facts about mutual funds

A mutual fund is a portfolio that may contain bonds, stocks or other investable assets like money market products that are selected and managed by a professional fund manager.
It pools your money with other investors and provides access to investments that you may not normally have access to as an individual investor.
Mutual fund returns may consist of dividends and interest, or capital gains from the fund's sale of securities.
With so many different mutual funds available, there may be one or more that fits your investment goals.
Typically, the money you have invested in mutual funds is not locked in. You may request to redeem your holdings.
Having a professional fund manager manage investments is a big advantage, but there are costs associated with that. Fees are charged directly to the fund as a percentage of the fund's assets.

Laddering Maturities: How to spread risk to maximize returns

What does it cost to invest in Mutual Funds?

The fees you pay cover the cost of managing the fund. Management fees, operating costs and taxes are included charged to the mutual fund
Make the Most Out of Your Mutual Fund Investments

Get a deeper understanding of how mutual funds can bring you closer to your savings goals.

Invest with GICs, Term Deposits, and Mutual Funds

GICs and Term Deposits

Mutual Funds

What are GICs and Term Deposits?

Laddering Maturities: How to spread risk to maximize returns

Quick facts about mutual funds

Laddering Maturities: How to spread risk to maximize returns

What does it cost to invest in Mutual Funds?

Make the Most Out of Your Mutual Fund Investments

Related topics

Personal Savings and Investing

Market Growth GICs

TD Comfort Portfolio

EasyWeb

Other Accounts

Invest with GICs, Term Deposits, and Mutual Funds

GICs and Term Deposits

Mutual Funds

What are GICs and Term Deposits?

Laddering Maturities: How to spread risk to maximize returns

Quick facts about mutual funds

Laddering Maturities: How to spread risk to maximize returns

What does it cost to invest in Mutual Funds?

Make the Most Out of Your Mutual Fund Investments

Related topics

Personal Savings and Investing

Market Growth GICs

TD Comfort Portfolio

Site Index