GIC Investment Basics
BMO GICs can help you meet your investment goals. By choosing the right GICs you can:
- Protect your capital
- Manage risk
- Generate income
- Diversify your overall investment portfolio
GIC Investment Strategies
Diversify by GIC Type
Investing in different types of GICs lets you take advantage of all the different benefits GICs offer, as well as providing diversification for you portfolio. Diversification can help maximize investment returns.
Diversify by Maturity
By investing in GICs of different terms, you can structure a portfolio that:
- Reflects your investment time horizon
- Maximizes returns
- Takes advantage of rising interest rates
- Offers protection against rate declines
Protect Your Capital
The safety of GICs can help protect the wealth you’ve accumulated. This can be especially important as you approach retirement and can’t afford to take chances with your money. GICs guarantee the return of your entire principal, while providing income.
Reduce Risk
Studies show that you can reduce overall portfolio risk and potentially increase investment returns with a smart, diversified selection of GICs.
