Current GIC Rates - new

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Manulife Investments Guaranteed Interest Contract (GIC)


Rate Change # 1 of 2012
Effective: January 11, 2012
Any rate change effective for today will be updated by 8:30 am EST.

Basic Account
*Minimums: Contract - $2,500, Account - $1,000
*Available for all contract registration types - non-registered, RSP/LIRA/RLSP, TFSA and RRIF/LIF/LRIF/PRIF/RLIF contracts
*Basic Account: 1/2 year rate bonus applicable when 6 months is added to standard length 1 to 10 year term (example: 4 1/2 year term = 5 year rate)

Interest Options (%)
Investment Period
Rate Applicable to:
Annual*/
Compound
Semi-Annual*
Quarterly*
Monthly*
*Simple Interest for Non-registered and TFSA Accounts Only
6 Month
6 month - 1 year less 1 day
0.30 0.20 0.15 0.05
1 Year
1- 1.5 years less 1 day
1.00+0.90++0.85+ 0.75+
2 Year
1.5 - 2.5 years less 1 day
1.25+1.15+1.10+1.00+
3 Year
2.5 - 3.5 years less 1 day
1.50+ 1.40+1.35+ 1.25+
4 Year
3.5 - 4.5 years less 1 day
1.60+1.50+1.45+ 1.35+
5 Year
4.5 - 5.5 years less 1 day
 1.75+1.65+1.60+1.50+

6 Year
5.5 - 6.5 years less 1 day
1.65 1.55 1.50 1.40
7 Year
6.5 - 7.5 years less 1 day
2.00 1.90 1.851.75
8 Year
7.5 - 8.5 years less 1 day
2.10 2.00 1.95 1.85
9 Year
8.5 - 9.5 years less 1 day
2.30 2.20 2.15 2.05
10 Year
9.5 - 10 years
2.50+2.40+ 2.35+2.25+

11-15 Year
10.5-15.5 years less 1 day
 2.50+
RRIF/LIF/LRIF/PRIF/RLIF Only
16-20 Year
15.5-20.5 years less 1 day
2.50+
RRIF/LIF/LRIF/PRIF/RLIF Only
21-30 Year
20.5 -30 years
2.50+
RRIF/LIF/LRIF/PRIF/RLIF Only



Basic Non-Cashable Account
*Minimums: Contract - $2,500, Account - $1,000
*Available for non-registered and RSP/LIRA/RLSP contracts only (not available for RRIF/LIF/LRIF/PRIF/RLIF or TFSA contracts)
*1/2 year rate bonus does not apply

Interest Options (%)
Investment Period
Rate Applicable to:
Annual*/
Compound
Semi-Annual*
Quarterly*
Monthly*
*Simple Interest for Non-registered Accounts Only
6 Month
6 month - 1 year less 1 day
0.550.450.400.30
1 Year
1 - 2 years less 1 day
1.25+ 1.15++1.10+1.00+
2 Year
2 - 3 years less 1 day
1.50+ 1.40+ 1.35+1.25+
3 Year
3 - 4 years less 1 day
1.75+ 1.65+ 1.60+1.50+
4 Year
4 - 5 years less 1 day
1.85+ 1.75+ 1.70+ 1.60+
5 Year
5 - 6 years less 1 day
2.00+ 1.90+1.85+1.75+

6 Year
6 - 7 years less 1 day
1.90 1.80 1.75 1.65
7 Year
7 - 8 years less 1 day
2.25 2.15 2.10 2.00
8 Year
8 - 9 years less 1 day
2.35 2.25 2.20 2.10
9 Year
9 - 10 years less 1 day
2.55 2.45 2.40 2.30
10 Year
10 years
2.75+2.65+2.60+2.50+



Laddered Account
*Minimums: Contract & Account - $5,000 for 5 year, $10,000 for 10 year
*Available for all contract registration types - non-registered, RSP/LIRA/RLSP, TFSA and RRIF/LIF/LRIF/PRIF/RLIF contracts

Interest Options (%)
Investment Period
Rate Applicable to:
Annual*/
Compound
Semi-Annual*
Quarterly*
Monthly*
*Simple Interest for Non-registered and TFSA Accounts Only
5 Year Ladder
Each 1 to 5 year term
($ evenly split)
1.65+ 1.55+ 1.50+ 1.40+
10 Year Ladder
Each 1 to 10 year term
($ evenly split)
2.10+ 2.00+-1.95+ 1.85+



Escalating Rate Account
*Minimums: Contract & Account - $5,000
*Available for RSP/LIRA/RLSP and TFSA contracts only (not available for non-registered or RRIF/LIF/LRIF/PRIF/RLIF contracts)

Escalating Annual Rate (%)
Effective Yield
to Maturity
Investment Period
Rate Applicable to:
Year 1
Year 2
Year 3
Year 4
Year 5
(%)

3 Year
Each year of the 3 year account
0.75+
1.10+
2.85+
1.56
5 Year
Each year of the 5 year account
0.75
1.00+
1.75
2.15
3.40+
1.81



Market Growth Account
*Minimums: Contract & Account - $5,000
*Available for RSP/LIRA/RLSP contracts only (not available for non-registered, TFSA or RRIF/LIF/LRIF/PRIF/RLIF contracts)

Offering Period
Rate Applicable to:
(%)
Not Currently Available For Sale

View more details about the Market Growth GIC Account
View past Market Growth GIC Account performance



Daily Interest Account
*Available for all contract registration types - non-registered, RSP/LIRA/RLSP, TFSA and RRIF/LIF/LRIF/PRIF/RLIF contracts

Investment Period
Rate Applicable to:
(%)

Daily
Daily Interest Account
0.25



Payout Annuities

Immediate Annuity
*Contract minimum: $10,000
*Source of Funds: Can be purchased with funds from all tax types
*Annuity types: Single Life, Joint & Survivor Life and Term Certain


Immediate Annuity rates have changed.
Sample Income:Single Life Annuity
$100,000, Male, non-registered, prescribed annuity, 10 year guarantee*		Term Certain Annuity
$100,000, non-registered
Male -Age:
Annual
Income
Income as %
of Premium
Term
Annual
Income
Income as %
of Premium
65
$6,045
6.0%
5 years
$20,010
20.0%
70
$6,835
6.8%
10 years
$10,975
11.0%
75
$7,849
7.8%
80
$9,005
9.0%

*Income will vary with the length of payment guarantee period chosen.
For illustration purposes only. Results are not guaranteed and will vary.
General Notes
  • Changing rates are indicated by a "+" or "-".
  • Posted rates apply to amounts up to $500,000. For GIC rates on contracts over $500,000, please contact your financial advisor

  • Manulife Investments GIC rates apply to subsequent deposits for all Maritime Life legacy products (including Manulife GIF Investment Account (MLIA) that have been transferred to Manulife Financial administration systems.

  • To hold a GIC rate overnight, call 1-800-887-9331 or in Quebec 1-800-244-9834 (request for Rate Guarantee must be received by fax the following day).

  • When quoting Manulife Investments GIC rates, confirm the current rate change # in effect by calling our automated rate line at 1-800-268-6640.

  • Rate Surveys are available through Manulife's advisor-only website www.manulifeinvestments.ca