Download Manulife Financial — the best 5-Year GIC rates in the industry

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Choose a GIC with more bite.
Innovative GIC investment options
Non-registered tax advantages - Policy year tax
 Basic Account (½ year terms) - Earn higher rates by
simply adding 6 months to a standard length term.1
 Laddered Account - Diversify your GIC portfolio by
ensuring that a portion matures each year and is
reinvested at attractive long-term rates. One attractive
rate is given for all your initial 1 to 5 year terms.
 Escalating Rate Account - A rate that is guaranteed to
increase each year until maturity.
reporting allows you to delay paying tax on interest
earned for up to a year; you may also qualify for an
annual $1,000 pension income tax credit if you’re 65 or
older.
Early cashing privileges - Access your Manulife
Powerful estate planning opportunities Your beneficiaries will receive the full amount of your
GIC investment including interest, privately and
without charges upon death – avoiding probate delays
and additional estate expenses.
Investments GIC in the case of emergency at any time.2
Invest with confidence - Your GIC is backed by
Potential creditor protection - Your GIC investment
the strength of Manulife Financial, plus the added
security of investment protection through CompCorp.3
may be protected from creditors under certain
circumstances, in the case of bankruptcy.
GIC Rate Survey – September 13, 2005
Daily
1 Yr (%)
2 Yr (%)
3 Yr (%)
4 Yr (%)
5 Yr (%)
10 Yr (%)
0.75
0.75
0.75
2.15
2.251
2.152
2.25
2.751
2.252
2.75
2.751
2.752
2.75
2.851
2.752
2.85
2.851
2.852
3.25
3.251
3.252
n/a
n/a
0.50
0.75
0.20
2.25
2.25
1.85
2.35
1.50
2.45
2.25
2.25
2.50
1.75
2.63
2.50
2.35
2.65
2.05
2.78
2.75
2.50
2.75
2.30
3.13
3.00
2.85
2.95
2.60
3.65
3.00
3.05
3.60
3.55
0.25
0.25
0.50
0.75
2.45
0.25
0.25
0.15
1.40
1.40
1.40
1.40
2.80
1.40
1.40
1.40
1.80
1.80
1.80
1.80
3.05
1.80
1.80
1.80
2.05
2.05
2.05
2.05
3.20
2.05
2.05
2.05
2.30
2.30
2.30
2.30
3.35
2.30
2.30
2.30
2.60
2.60
2.60
2.60
3.50
2.60
2.60
2.60
1 Yr (%)
2 Yr (%)
3 Yr (%)
4 Yr (%)
5 Yr (%)
5-Year Escalating Rate Account
2.10
2.15
3.00
3.25
4.05
Avg. Rate
= 2.91
5-Year Laddered Account
2.80
2.80
2.80
2.80
2.80
1-5 year
term rates
Financial Institution
Manulife Investment GICs
Basic Account - full year terms
Basic Account - ½ year terms1
MLIA
Other Insurance Companies
Canada Life
Great West Life
Sun Life
Standard Life
Transamerica Life
Banks & Trust Companies
Bank of Montreal
Bank of Nova Scotia
Caisses Desjardins
CIBC
Manulife Bank
National Bank
Royal Bank
TD Canada Trust
Manulife Investments Specialty GICs
Source: Cannex. Annual effective rates for contracts of $5,000. Rates subject to change without prior notice.
E&OE
The Manufacturers Life Insurance Company of Canada is the issuer of the Manulife Investments Guaranteed Interest Contract (GIC). 1Add 6 months to a standard length
1 to 10 year Basic Account term to get the next year’s rate. 2 Early redemption surrender charges and pension restrict ions may apply to the Manulife Investments GIC
Basic, Laddered and Escalating Rate accounts. 3 CompCorp offers deposit protection on all term lengths up to specific dollar limits, visit www.compcorp.ca for more details.
2 For MLIA rates for non-integral terms are interpolated.