Overview
How This Account Works
Average GIA Accounts earns daily interest based on the average yield of Government of Canada bonds with terms to maturity of 10 or more years.
Guaranteed Investment Accounts (GIAs) are similar to Guaranteed Investment Certificates (GICs) offered by banks and trust companies. These accounts guarantee an interest rate from the day you invest your money until maturity. At maturity, your original investment and interest earned will reinvest for the same term unless you provide Manulife with different instructions prior to maturity.
Volatility and Risk
Average GIA Accounts can offer stable returns and investment security. These accounts combine the advantage of a long-term rate and come with a minimum interest rate guarantee. There is no minimum deposit for these accounts, making them ideal for regular monthly deposits
Guaranteed Investment Accounts (GIAs) can offer stable returns and investment security. Consider these accounts if you are an investor who needs guaranteed security for your investment and can commit to investments for a fixed period of time. There is no volatility associated with the return in this account as this is a guaranteed investment backed by the general assets of Manulife.
Contract Interest Guarantees
| Product | Avg. | 3 years | 5 years | 10 years |
|---|---|---|---|---|
| Future Protection | 4.00% | — | — | — |
| Future Protection | — | 4.00% | 4.00% | 4.00% |
Contract Interest Rates Available as of July 31, 2025
| Product | Avg. | 3 years | 5 years | 10 years |
|---|---|---|---|---|
| Future Protection | 4.00% | — | — | — |
| Future Protection | — | 4.00% | 4.00% | 4.00% |
Distributions
| Effective Date | Interest Rate |
|---|---|
| 2025/08/27 | 4.0000% |
| 2025/08/26 | 4.0000% |
| 2025/08/25 | 4.0000% |
| 2025/08/22 | 4.0000% |
| 2025/08/21 | 4.0000% |
| 2025/08/20 | 4.0000% |
| 2025/08/19 | 4.0000% |
| 2025/08/18 | 4.0000% |
| 2025/08/15 | 4.0000% |
| 2025/08/14 | 4.0000% |
| 2025/08/13 | 4.0000% |
| 2025/08/12 | 4.0000% |
| 2025/08/11 | 4.0000% |
| 2025/08/08 | 4.0000% |
| 2025/08/07 | 4.0000% |
| 2025/08/06 | 4.0000% |
| 2025/08/05 | 4.0000% |
| 2025/08/01 | 4.0000% |
| 2025/07/31 | 4.0000% |
| 2025/07/30 | 4.0000% |
| 2025/07/29 | 4.0000% |
| 2025/07/28 | 4.0000% |
| 2025/07/25 | 4.0000% |
| 2025/07/24 | 4.0000% |
| 2025/07/23 | 4.0000% |
| 2025/07/22 | 4.0000% |
| 2025/07/21 | 4.0000% |
| 2025/07/18 | 4.0000% |
| 2025/07/17 | 4.0000% |
| 2025/07/16 | 4.0000% |
| 2025/07/15 | 4.0000% |
| 2025/07/14 | 4.0000% |
| 2025/07/11 | 4.0000% |
| 2025/07/10 | 4.0000% |
| 2025/07/09 | 4.0000% |
| 2025/07/08 | 4.0000% |
| 2025/07/07 | 4.0000% |
| 2025/07/04 | 4.0000% |
| 2025/07/03 | 4.0000% |
| 2025/07/02 | 4.0000% |
| 2025/06/30 | 4.0000% |
| 2025/06/27 | 4.0000% |
| 2025/06/26 | 4.0000% |
| 2025/06/25 | 4.0000% |
| 2025/06/24 | 4.0000% |
| 2025/06/23 | 4.0000% |
| 2025/06/20 | 4.0000% |
| 2025/06/19 | 4.0000% |
| 2025/06/18 | 4.0000% |
| 2025/06/17 | 4.0000% |
| 2025/06/16 | 4.0000% |
| 2025/06/13 | 4.0000% |
| 2025/06/12 | 4.0000% |
| 2025/06/11 | 4.0000% |
| 2025/06/10 | 4.0000% |
| 2025/06/09 | 4.0000% |
| 2025/06/06 | 4.0000% |
| 2025/06/05 | 4.0000% |
| 2025/06/04 | 4.0000% |
| 2025/06/03 | 4.0000% |
| 2025/06/02 | 4.0000% |
| 2025/05/30 | 4.0000% |
| 2025/05/29 | 4.0000% |
| 2025/05/28 | 4.0000% |
| 2025/05/27 | 4.0000% |
| 2025/05/26 | 4.0000% |
| 2025/05/23 | 4.0000% |
| 2025/05/22 | 4.0000% |
| 2025/05/21 | 4.0000% |
| 2025/05/20 | 4.0000% |
| 2025/05/16 | 4.0000% |
| 2025/05/15 | 4.0000% |
| 2025/05/14 | 4.0000% |
| 2025/05/13 | 4.0000% |
| 2025/05/12 | 4.0000% |
| 2025/05/09 | 4.0000% |
| 2025/05/08 | 4.0000% |
| 2025/05/07 | 4.0000% |
| 2025/05/06 | 4.0000% |
| 2025/05/05 | 4.0000% |
| 2025/05/02 | 4.0000% |
| 2025/05/01 | 4.0000% |
| 2025/04/30 | 4.0000% |
| 2025/04/29 | 4.0000% |
| 2025/04/28 | 4.0000% |
| 2025/04/25 | 4.0000% |
| 2025/04/24 | 4.0000% |
| 2025/04/23 | 4.0000% |
| 2025/04/22 | 4.0000% |
| 2025/04/21 | 4.0000% |
| 2025/04/17 | 4.0000% |
| 2025/04/16 | 4.0000% |
| 2025/04/15 | 4.0000% |
| 2025/04/14 | 4.0000% |
| 2025/04/11 | 4.0000% |
| 2025/04/10 | 4.0000% |
| 2025/04/09 | 4.0000% |
| 2025/04/08 | 4.0000% |
| 2025/04/07 | 4.0000% |
| 2025/04/04 | 4.0000% |
| 2025/04/03 | 4.0000% |
| 2025/04/02 | 4.0000% |
| 2025/04/01 | 4.0000% |
| 2025/03/31 | 4.0000% |
| 2025/03/28 | 4.0000% |
| 2025/03/27 | 4.0000% |
| 2025/03/26 | 4.0000% |
| 2025/03/25 | 4.0000% |
| 2025/03/24 | 4.0000% |
| 2025/03/21 | 4.0000% |
| 2025/03/20 | 4.0000% |
| 2025/03/19 | 4.0000% |
| 2025/03/18 | 4.0000% |
| 2025/03/17 | 4.0000% |
| 2025/03/14 | 4.0000% |
| 2025/03/13 | 4.0000% |
| 2025/03/12 | 4.0000% |
| 2025/03/11 | 4.0000% |
| 2025/03/10 | 4.0000% |
| 2025/03/07 | 4.0000% |
| 2025/03/06 | 4.0000% |
| 2025/03/05 | 4.0000% |
| 2025/03/04 | 4.0000% |
| 2025/03/03 | 4.0000% |
| 2025/02/28 | 4.0000% |