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About: Guaranteed investment certificate     Goto   Sponge   NotDistinct   Permalink

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A guaranteed investment certificate (GIC, French: certificat de placement garanti, CPG) is a Canadian investment that offers a guaranteed rate of return over a fixed period of time, most commonly issued by trust companies or banks. Due to its low risk profile, the return is generally less than other investments such as stocks, bonds, or mutual funds. It is similar to a time or term deposit as it is known in other countries.