Overview
How This Account Works
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
Guaranteed Investment Accounts (GIAs) can offer good 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 |
|---|---|---|---|---|
| Secured Protection (on or after January 1, 1996) | ||||
| Secured Protection (On or after to January 1, 1996) | 3.00% | — | — | — |
| Secured Protection (prior to January 1, 1996) | ||||
| Secured Protection (Prior to January 1, 1996) | 4.00% | — | — | — |
| Compound Interest | ||||
| Secured Protection (On or after to January 1, 1996) | — | 0.00% | 2.00% | 3.00% |
| Secured Protection (Prior to January 1, 1996) | — | 4.00% | 4.00% | 4.00% |
Contract Interest Rates Available as of July 31, 2025
| Product | Avg. | 3 years | 5 years | 10 years |
|---|---|---|---|---|
| Secured Protection (on or after January 1, 1996) | ||||
| Secured Protection (On or after to January 1, 1996) | 3.00% | — | — | — |
| Secured Protection (prior to January 1, 1996) | ||||
| Secured Protection (Prior to January 1, 1996) | 4.00% | — | — | — |
| Compound Interest | ||||
| Secured Protection (On or after to January 1, 1996) | — | 0.98% | 2.00% | 3.00% |
| Secured Protection (Prior to January 1, 1996) | — | 4.00% | 4.00% | 4.00% |
Distributions
| Effective Date | Interest Rate |
|---|---|
| 2025/09/05 | 4.0000% |
| 2025/09/04 | 4.0000% |
| 2025/09/03 | 4.0000% |
| 2025/09/02 | 4.0000% |
| 2025/08/29 | 4.0000% |
| 2025/08/28 | 4.0000% |
| 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% |