Rose City GIC
Rates As High As 5.55%
Rose City GICs is local and completely independent. We shop the best rates of all Canadian banks, credit unions, and Canadian insurers to find you the best solution regardless of account type or term. We are local to Windsor Essex but can service investors throughout Southwestern Ontario. All deposits are eligible for CDIC or FSRA protection.
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Advantages Of GIC’s & GIC Investments
Low risk: GICs are considered low-risk investments because they are insured by the Canadian Deposit Insurance Corporation (CDIC), which means that your investment is protected up to a certain amount in case the financial institution you invested with fails.
Guaranteed return: GICs offer a guaranteed rate of return, which means that you know exactly how much interest you will earn on your investment. This can be especially attractive for those who prefer stability and predictability in their investments.
Flexible terms: GICs come in different terms, ranging from a few months to several years. This allows investors to choose a term that suits their financial goals and timeline.
Compound interest: GICs often offer compounded interest, which means that your interest earned is added back to the principal amount, resulting in higher overall returns over time.
Tax advantages: GICs held within a registered account, such as a Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA), can provide tax advantages and allow for tax-deferred or tax-free growth on your investment.
Stop Searching For GIC Investments
Investments can be made for any term on a 1-to-5-year basis, and in any registered or non-registered account type. Above we have listed current rates for the various terms as well as accounts. We deal in TFSAs, RRSPs, or open/non-registered accounts. We can facilitate transfers from previous investment accounts or GICs, alternatively we can fund new deposits from your chequing account. We want to be your one stop when it comes to placing your GIC investments, you will not need to go back to your bank or previous investor.
Rose City GIC’s Serve You
Call us today with questions, to find our the most current rates, or just to learn more. We look forward to working with you.
Areas We Serve
Why Rose City GIC’s?
Expertise and knowledge
We are financial professionals who specialize in investment management and financial planning. Rose City GIC’s have in-depth knowledge and expertise in different investment options, including GICs. With this knowledge, we can recommend the best GICs that align with your investment goals and financial situation.
Rose City GIC’s can help you diversify your investment portfolio by recommending different types of GICs from various financial institutions. We also suggest GIC laddering strategies, which involve purchasing GICs with different maturity dates. This strategy ensures that you have access to cash when you need it while earning higher interest rates. Diversification helps minimize risk and maximize returns, which can lead to better investment outcomes.
Customized investment plan
Rose City GIC’s take the time to understand your investment objectives, risk tolerance, and financial situation before recommending GIC investments. We can create a customized investment plan that considers your short-term and long-term financial goals. This personalized approach ensures that your GIC investments align with your financial objectives and risk tolerance.
Experienced Financial Planning
Rose City GIC’s has an experienced staff with combined experience in the financial planning industry of more than 35 years. Jean Deschenes, CFP, CHS lives in Tecumseh and has worked in the industry for 25 years as a financial planner. Michael Steffler, CFP, CEBS lives in Windsor and has more than 10 years experience in the business. Beyond the founders we also have a team of advisors and administrators to assist you with transactions and any questions you may have.
Long Term Growth
Rose City GIC’s is also invested in you for the long term. Your initial GIC deposit does not end your relationship with us. When your funds mature we will revisit your options and again shop the market to find you the best GIC rate should you wish to reinvest. We can also coordinate regular income payments from your GIC should you require them or in the event you are investing funds through a Retirement income fund (RIF).