Overview
How This Account Works
Similar to a daily interest account at a bank or trust company, this account earns interest daily at the current rate for that account. While Manulife always guarantees the principal and interest payment, the interest rate may change at any time.
Volatility and Risk
This account has the lowest risk, lowest volatility and earns the lowest rate of interest over the long term. Consider this account as a short-term account while you decide on your long-term investment strategy. Once you have determined your investment strategy, you can transfer your funds at any time.
Contract Interest Guarantees
| Product | Avg. |
|---|---|
| Navi-vision (On or after June 9, 1999) | 0.00% |
| Navi-vision (Prior to June 9, 1999) | 4.00% |
Contract Interest Rates Available as of February 28, 2026
| Product | Avg. |
|---|---|
| Navi-vision (On or after June 9, 1999) | 0.18% |
| Navi-vision (Prior to June 9, 1999) | 4.00% |
Performance
Performance of FTSE TMX 91 Day Treasury Bill Index
Growth of $10,000 over 10 years ±
Compound Returns (%)
| 1 mth | 0.17 |
|---|---|
| 3 mth | 0.54 |
| 6 mth | 1.25 |
| YTD | 0.35 |
| 1 yr | 2.63 |
| 3 yr | 4.04 |
| 5 yr | 2.95 |
| 10 yr | 1.96 |
| Inception | — |
Calendar Returns (%)
| 2018 | 1.37 |
|---|---|
| 2019 | 1.65 |
| 2020 | 0.86 |
| 2021 | 0.17 |
| 2022 | 1.80 |
| 2023 | 4.73 |
| 2024 | 4.91 |
| 2025 | 2.84 |
Distributions
| Effective Date | Interest Rate |
|---|---|
| 2026/04/02 | 0.3000% |
| 2026/04/01 | 0.3000% |
| 2026/03/31 | 0.2500% |
| 2026/03/30 | 0.2500% |
| 2026/03/27 | 0.2500% |
| 2026/03/26 | 0.2500% |
| 2026/03/25 | 0.2500% |
| 2026/03/24 | 0.2250% |
| 2026/03/23 | 0.2250% |
| 2026/03/20 | 0.2250% |
| 2026/03/19 | 0.2250% |
| 2026/03/18 | 0.2250% |
| 2026/03/17 | 0.2000% |
| 2026/03/16 | 0.2000% |
| 2026/03/13 | 0.2000% |
| 2026/03/12 | 0.2000% |
| 2026/03/11 | 0.2000% |
| 2026/03/10 | 0.1750% |
| 2026/03/09 | 0.1750% |
| 2026/03/06 | 0.1750% |
| 2026/03/05 | 0.1750% |
| 2026/03/04 | 0.1750% |
| 2026/03/03 | 0.1750% |
| 2026/03/02 | 0.1750% |
| 2026/02/27 | 0.1750% |
| 2026/02/26 | 0.1750% |
| 2026/02/25 | 0.1750% |
| 2026/02/24 | 0.1750% |
| 2026/02/23 | 0.1750% |
| 2026/02/20 | 0.1750% |
| 2026/02/19 | 0.1750% |
| 2026/02/18 | 0.1750% |
| 2026/02/17 | 0.1750% |
| 2026/02/13 | 0.1750% |
| 2026/02/12 | 0.1750% |
| 2026/02/11 | 0.1750% |
| 2026/02/10 | 0.1750% |
| 2026/02/09 | 0.1750% |
| 2026/02/06 | 0.1750% |
| 2026/02/05 | 0.1750% |
| 2026/02/04 | 0.1750% |
| 2026/02/03 | 0.1750% |
| 2026/02/02 | 0.1750% |
| 2026/01/30 | 0.1750% |
| 2026/01/29 | 0.1750% |
| 2026/01/28 | 0.1750% |
| 2026/01/27 | 0.1750% |
| 2026/01/26 | 0.1750% |
| 2026/01/23 | 0.1750% |
| 2026/01/22 | 0.1750% |
| 2026/01/21 | 0.1750% |
| 2026/01/20 | 0.2000% |
| 2026/01/19 | 0.2000% |
| 2026/01/16 | 0.2000% |
| 2026/01/15 | 0.2000% |
| 2026/01/14 | 0.2000% |
| 2026/01/13 | 0.1750% |
| 2026/01/12 | 0.1750% |
| 2026/01/09 | 0.1750% |
| 2026/01/08 | 0.1750% |
| 2026/01/07 | 0.1750% |
| 2026/01/06 | 0.1750% |
| 2026/01/05 | 0.1750% |
| 2026/01/02 | 0.1750% |
| 2025/12/31 | 0.1750% |
| 2025/12/30 | 0.1750% |
| 2025/12/29 | 0.1750% |
| 2025/12/24 | 0.1750% |
| 2025/12/23 | 0.1750% |
| 2025/12/22 | 0.1750% |
| 2025/12/19 | 0.1750% |
| 2025/12/18 | 0.1750% |
| 2025/12/17 | 0.1750% |
| 2025/12/16 | 0.1750% |
| 2025/12/15 | 0.1750% |
| 2025/12/12 | 0.1750% |
| 2025/12/11 | 0.1750% |
| 2025/12/10 | 0.1750% |
| 2025/12/09 | 0.1750% |
| 2025/12/08 | 0.1750% |
| 2025/12/05 | 0.1750% |
| 2025/12/04 | 0.1750% |
| 2025/12/03 | 0.1750% |
| 2025/12/02 | 0.1750% |
| 2025/12/01 | 0.1750% |
| 2025/11/28 | 0.1750% |
| 2025/11/27 | 0.1750% |
| 2025/11/26 | 0.1750% |
| 2025/11/25 | 0.1750% |
| 2025/11/24 | 0.1750% |
| 2025/11/21 | 0.1750% |
| 2025/11/20 | 0.1750% |
| 2025/11/19 | 0.1750% |
| 2025/11/18 | 0.1750% |
| 2025/11/17 | 0.1750% |
| 2025/11/14 | 0.1750% |
| 2025/11/13 | 0.1750% |
| 2025/11/12 | 0.1750% |
| 2025/11/11 | 0.2000% |
| 2025/11/10 | 0.2000% |
| 2025/11/07 | 0.2000% |
| 2025/11/06 | 0.2000% |
| 2025/11/05 | 0.2000% |
| 2025/11/04 | 0.2250% |
| 2025/11/03 | 0.2250% |
| 2025/10/31 | 0.2250% |
| 2025/10/30 | 0.2250% |
| 2025/10/29 | 0.2250% |
| 2025/10/28 | 0.3250% |
| 2025/10/27 | 0.3250% |
| 2025/10/24 | 0.3250% |
| 2025/10/23 | 0.3250% |
| 2025/10/22 | 0.3250% |
| 2025/10/21 | 0.3500% |
| 2025/10/20 | 0.3500% |
| 2025/10/17 | 0.3500% |
| 2025/10/16 | 0.3500% |
| 2025/10/15 | 0.3500% |
| 2025/10/14 | 0.3750% |
| 2025/10/10 | 0.3750% |
| 2025/10/09 | 0.3750% |
| 2025/10/08 | 0.3750% |
| 2025/10/07 | 0.4000% |
| 2025/10/06 | 0.4000% |