Overview
How This Account Works
The Long-Term Portfolio Average Account earns daily interest based on the average yield of Government of Canada bonds with terms to maturity of 10 or more years.
Volatility and Risk
These Portfolio Average Accounts can offer good 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.
Contract Interest Guarantees
The effective annual interest rate for this account is set at least weekly and is guaranteed to be at least:
- 90% of the weighted average yield over the past 15 years on current coupon Government of Canada Bonds with terms to maturity of 10 years or more minus the guaranteed management fee, or
- 3%, whichever is greater
Contract Interest Rates Available as of February 28, 2026
| Product | Interest rate |
|---|---|
| InnoVision Valued Client (Between June 23, 2001 and April 1, 2011) | 3.00% |
| InnoVision Valued Client (Prior to June 23, 2001) | 3.00% |
| InnoVision Investment Accelerator (Prior to April 2, 2011) | 3.00% |
Performance
Performance of Government of Canada Bonds 10yrs or more
Growth of $10,000 over 10 years ±
Compound Returns (%)
| 1 mth | 0.30 |
|---|---|
| 3 mth | 0.93 |
| 6 mth | 1.82 |
| YTD | 0.61 |
| 1 yr | 3.61 |
| 3 yr | 3.45 |
| 5 yr | 3.06 |
| 10 yr | 2.44 |
| Inception | — |
Calendar Returns (%)
| 2018 | 2.32 |
|---|---|
| 2019 | 1.74 |
| 2020 | 1.06 |
| 2021 | 1.80 |
| 2022 | 2.89 |
| 2023 | 3.36 |
| 2024 | 3.38 |
| 2025 | 3.52 |
Distributions
| Effective Date | Interest Rate |
|---|---|
| 2026/04/01 | 3.0000% |
| 2026/03/31 | 3.0000% |
| 2026/03/30 | 3.0000% |
| 2026/03/27 | 3.0000% |
| 2026/03/26 | 3.0000% |
| 2026/03/25 | 3.0000% |
| 2026/03/24 | 3.0000% |
| 2026/03/23 | 3.0000% |
| 2026/03/20 | 3.0000% |
| 2026/03/19 | 3.0000% |
| 2026/03/18 | 3.0000% |
| 2026/03/17 | 3.0000% |
| 2026/03/16 | 3.0000% |
| 2026/03/13 | 3.0000% |
| 2026/03/12 | 3.0000% |
| 2026/03/11 | 3.0000% |
| 2026/03/10 | 3.0000% |
| 2026/03/09 | 3.0000% |
| 2026/03/06 | 3.0000% |
| 2026/03/05 | 3.0000% |
| 2026/03/04 | 3.0000% |
| 2026/03/03 | 3.0000% |
| 2026/03/02 | 3.0000% |
| 2026/02/27 | 3.0000% |
| 2026/02/26 | 3.0000% |
| 2026/02/25 | 3.0000% |
| 2026/02/24 | 3.0000% |
| 2026/02/23 | 3.0000% |
| 2026/02/20 | 3.0000% |
| 2026/02/19 | 3.0000% |
| 2026/02/18 | 3.0000% |
| 2026/02/17 | 3.0000% |
| 2026/02/13 | 3.0000% |
| 2026/02/12 | 3.0000% |
| 2026/02/11 | 3.0000% |
| 2026/02/10 | 3.0000% |
| 2026/02/09 | 3.0000% |
| 2026/02/06 | 3.0000% |
| 2026/02/05 | 3.0000% |
| 2026/02/04 | 3.0000% |
| 2026/02/03 | 3.0000% |
| 2026/02/02 | 3.0000% |
| 2026/01/30 | 3.0000% |
| 2026/01/29 | 3.0000% |
| 2026/01/28 | 3.0000% |
| 2026/01/27 | 3.0000% |
| 2026/01/26 | 3.0000% |
| 2026/01/23 | 3.0000% |
| 2026/01/22 | 3.0000% |
| 2026/01/21 | 3.0000% |
| 2026/01/20 | 3.0000% |
| 2026/01/19 | 3.0000% |
| 2026/01/16 | 3.0000% |
| 2026/01/15 | 3.0000% |
| 2026/01/14 | 3.0000% |
| 2026/01/13 | 3.0000% |
| 2026/01/12 | 3.0000% |
| 2026/01/09 | 3.0000% |
| 2026/01/08 | 3.0000% |
| 2026/01/07 | 3.0000% |
| 2026/01/06 | 3.0000% |
| 2026/01/05 | 3.0000% |
| 2026/01/02 | 3.0000% |
| 2025/12/31 | 3.0000% |
| 2025/12/30 | 3.0000% |
| 2025/12/29 | 3.0000% |
| 2025/12/24 | 3.0000% |
| 2025/12/23 | 3.0000% |
| 2025/12/22 | 3.0000% |
| 2025/12/19 | 3.0000% |
| 2025/12/18 | 3.0000% |
| 2025/12/17 | 3.0000% |
| 2025/12/16 | 3.0000% |
| 2025/12/15 | 3.0000% |
| 2025/12/12 | 3.0000% |
| 2025/12/11 | 3.0000% |
| 2025/12/10 | 3.0000% |
| 2025/12/09 | 3.0000% |
| 2025/12/08 | 3.0000% |
| 2025/12/05 | 3.0000% |
| 2025/12/04 | 3.0000% |
| 2025/12/03 | 3.0000% |
| 2025/12/02 | 3.0000% |
| 2025/12/01 | 3.0000% |
| 2025/11/28 | 3.0000% |
| 2025/11/27 | 3.0000% |
| 2025/11/26 | 3.0000% |
| 2025/11/25 | 3.0000% |
| 2025/11/24 | 3.0000% |
| 2025/11/21 | 3.0000% |
| 2025/11/20 | 3.0000% |
| 2025/11/19 | 3.0000% |
| 2025/11/18 | 3.0000% |
| 2025/11/17 | 3.0000% |
| 2025/11/14 | 3.0000% |
| 2025/11/13 | 3.0000% |
| 2025/11/12 | 3.0000% |
| 2025/11/11 | 3.0000% |
| 2025/11/10 | 3.0000% |
| 2025/11/07 | 3.0000% |
| 2025/11/06 | 3.0000% |
| 2025/11/05 | 3.0000% |
| 2025/11/04 | 3.0000% |
| 2025/11/03 | 3.0000% |
| 2025/10/31 | 3.0000% |
| 2025/10/30 | 3.0000% |
| 2025/10/29 | 3.0000% |
| 2025/10/28 | 3.0000% |
| 2025/10/27 | 3.0000% |
| 2025/10/24 | 3.0000% |
| 2025/10/23 | 3.0000% |
| 2025/10/22 | 3.0000% |
| 2025/10/21 | 3.0000% |
| 2025/10/20 | 3.0000% |
| 2025/10/17 | 3.0000% |
| 2025/10/16 | 3.0000% |
| 2025/10/15 | 3.0000% |
| 2025/10/14 | 3.0000% |
| 2025/10/10 | 3.0000% |
| 2025/10/09 | 3.0000% |
| 2025/10/08 | 3.0000% |
| 2025/10/07 | 3.0000% |
| 2025/10/06 | 3.0000% |
| 2025/10/03 | 3.0000% |
| 2025/10/02 | 3.0000% |