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
  • 1.5%, whichever is greater

Contract Interest Rates Available as of February 28, 2026

Product Interest rate
InnoVision Investment Accelerator (On or after March 17, 2012) 1.50%
InnoVision Valued Client (On or after March 17, 2012) 1.50%

Performance

Performance of Government of Canada Bonds 10yrs or more

Growth of $10,000 over 10 years ±

Start Date
End Date

Compound Returns (%)

1 mth 3 mth 6 mth YTD 1 yr 3 yr 5 yr 10 yr Inception
0.30 0.93 1.82 0.61 3.61 3.45 3.06 2.44 —
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 2019 2020 2021 2022 2023 2024 2025
2.32 1.74 1.06 1.80 2.89 3.36 3.38 3.52
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

Start Date
End Date
Effective Date Interest Rate
2026/04/01 1.5000%
2026/03/31 1.5000%
2026/03/30 1.5000%
2026/03/27 1.5000%
2026/03/26 1.5000%
2026/03/25 1.5000%
2026/03/24 1.5000%
2026/03/23 1.5000%
2026/03/20 1.5000%
2026/03/19 1.5000%
2026/03/18 1.5000%
2026/03/17 1.5000%
2026/03/16 1.5000%
2026/03/13 1.5000%
2026/03/12 1.5000%
2026/03/11 1.5000%
2026/03/10 1.5000%
2026/03/09 1.5000%
2026/03/06 1.5000%
2026/03/05 1.5000%
2026/03/04 1.5000%
2026/03/03 1.5000%
2026/03/02 1.5000%
2026/02/27 1.5000%
2026/02/26 1.5000%
2026/02/25 1.5000%
2026/02/24 1.5000%
2026/02/23 1.5000%
2026/02/20 1.5000%
2026/02/19 1.5000%
2026/02/18 1.5000%
2026/02/17 1.5000%
2026/02/13 1.5000%
2026/02/12 1.5000%
2026/02/11 1.5000%
2026/02/10 1.5000%
2026/02/09 1.5000%
2026/02/06 1.5000%
2026/02/05 1.5000%
2026/02/04 1.5000%
2026/02/03 1.5000%
2026/02/02 1.5000%
2026/01/30 1.5000%
2026/01/29 1.5000%
2026/01/28 1.5000%
2026/01/27 1.5000%
2026/01/26 1.5000%
2026/01/23 1.5000%
2026/01/22 1.5000%
2026/01/21 1.5000%
2026/01/20 1.5000%
2026/01/19 1.5000%
2026/01/16 1.5000%
2026/01/15 1.5000%
2026/01/14 1.5000%
2026/01/13 1.5000%
2026/01/12 1.5000%
2026/01/09 1.5000%
2026/01/08 1.5000%
2026/01/07 1.5000%
2026/01/06 1.5000%
2026/01/05 1.5000%
2026/01/02 1.5000%
2025/12/31 1.5000%
2025/12/30 1.5000%
2025/12/29 1.5000%
2025/12/24 1.5000%
2025/12/23 1.5000%
2025/12/22 1.5000%
2025/12/19 1.5000%
2025/12/18 1.5000%
2025/12/17 1.5000%
2025/12/16 1.5000%
2025/12/15 1.5000%
2025/12/12 1.5000%
2025/12/11 1.5000%
2025/12/10 1.5000%
2025/12/09 1.5000%
2025/12/08 1.5000%
2025/12/05 1.5000%
2025/12/04 1.5000%
2025/12/03 1.5000%
2025/12/02 1.5000%
2025/12/01 1.5000%
2025/11/28 1.5000%
2025/11/27 1.5000%
2025/11/26 1.5000%
2025/11/25 1.5000%
2025/11/24 1.5000%
2025/11/21 1.5000%
2025/11/20 1.5000%
2025/11/19 1.5000%
2025/11/18 1.5000%
2025/11/17 1.5000%
2025/11/14 1.5000%
2025/11/13 1.5000%
2025/11/12 1.5000%
2025/11/11 1.5000%
2025/11/10 1.5000%
2025/11/07 1.5000%
2025/11/06 1.5000%
2025/11/05 1.5000%
2025/11/04 1.5000%
2025/11/03 1.5000%
2025/10/31 1.5000%
2025/10/30 1.5000%
2025/10/29 1.5000%
2025/10/28 1.5000%
2025/10/27 1.5000%
2025/10/24 1.5000%
2025/10/23 1.5000%
2025/10/22 1.5000%
2025/10/21 1.5000%
2025/10/20 1.5000%
2025/10/17 1.5000%
2025/10/16 1.5000%
2025/10/15 1.5000%
2025/10/14 1.5000%
2025/10/10 1.5000%
2025/10/09 1.5000%
2025/10/08 1.5000%
2025/10/07 1.5000%
2025/10/06 1.5000%
2025/10/03 1.5000%
2025/10/02 1.5000%