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
The effective annual interest rate for this account is set at least weekly and is guaranteed to be at least:
- the then current yield on Government of Canada 91-day Treasury bills minus the guaranteed management fee, or
- 0%, whichever is greater.
Contract Interest Rates Available as of February 28, 2026
| Product | Avg. |
|---|---|
| UltraVision | 0.20% |
| UltraVision Savings Side Account | 1.50% |
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 | 0.2750% |
| 2026/03/30 | 0.2750% |
| 2026/03/27 | 0.2750% |
| 2026/03/26 | 0.2750% |
| 2026/03/25 | 0.2750% |
| 2026/03/24 | 0.2500% |
| 2026/03/23 | 0.2500% |
| 2026/03/20 | 0.2500% |
| 2026/03/19 | 0.2500% |
| 2026/03/18 | 0.2500% |
| 2026/03/17 | 0.2500% |
| 2026/03/16 | 0.2500% |
| 2026/03/13 | 0.2500% |
| 2026/03/12 | 0.2500% |
| 2026/03/11 | 0.2500% |
| 2026/03/10 | 0.2250% |
| 2026/03/09 | 0.2250% |
| 2026/03/06 | 0.2250% |
| 2026/03/05 | 0.2250% |
| 2026/03/04 | 0.2250% |
| 2026/03/03 | 0.2000% |
| 2026/03/02 | 0.2000% |
| 2026/02/27 | 0.2000% |
| 2026/02/26 | 0.2000% |
| 2026/02/25 | 0.2000% |
| 2026/02/24 | 0.2000% |
| 2026/02/23 | 0.2000% |
| 2026/02/20 | 0.2000% |
| 2026/02/19 | 0.2000% |
| 2026/02/18 | 0.2000% |
| 2026/02/17 | 0.2000% |
| 2026/02/13 | 0.2000% |
| 2026/02/12 | 0.2000% |
| 2026/02/11 | 0.2000% |
| 2026/02/10 | 0.2250% |
| 2026/02/09 | 0.2250% |
| 2026/02/06 | 0.2250% |
| 2026/02/05 | 0.2250% |
| 2026/02/04 | 0.2250% |
| 2026/02/03 | 0.2250% |
| 2026/02/02 | 0.2250% |
| 2026/01/30 | 0.2250% |
| 2026/01/29 | 0.2250% |
| 2026/01/28 | 0.2250% |
| 2026/01/27 | 0.2000% |
| 2026/01/26 | 0.2000% |
| 2026/01/23 | 0.2000% |
| 2026/01/22 | 0.2000% |
| 2026/01/21 | 0.2000% |
| 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 | 0.2250% |
| 2026/01/12 | 0.2250% |
| 2026/01/09 | 0.2250% |
| 2026/01/08 | 0.2250% |
| 2026/01/07 | 0.2250% |
| 2026/01/06 | 0.2250% |
| 2026/01/05 | 0.2250% |
| 2026/01/02 | 0.2250% |
| 2025/12/31 | 0.2250% |
| 2025/12/30 | 0.1750% |
| 2025/12/29 | 0.1750% |
| 2025/12/24 | 0.1750% |
| 2025/12/23 | 0.1750% |
| 2025/12/22 | 0.2250% |
| 2025/12/19 | 0.2250% |
| 2025/12/18 | 0.2250% |
| 2025/12/17 | 0.2250% |
| 2025/12/16 | 0.2250% |
| 2025/12/15 | 0.2250% |
| 2025/12/12 | 0.2250% |
| 2025/12/11 | 0.2250% |
| 2025/12/10 | 0.2250% |
| 2025/12/09 | 0.2250% |
| 2025/12/08 | 0.2250% |
| 2025/12/05 | 0.2250% |
| 2025/12/04 | 0.2250% |
| 2025/12/03 | 0.2250% |
| 2025/12/02 | 0.2250% |
| 2025/12/01 | 0.2250% |
| 2025/11/28 | 0.2250% |
| 2025/11/27 | 0.2250% |
| 2025/11/26 | 0.2250% |
| 2025/11/25 | 0.2250% |
| 2025/11/24 | 0.2250% |
| 2025/11/21 | 0.2250% |
| 2025/11/20 | 0.2250% |
| 2025/11/19 | 0.2250% |
| 2025/11/18 | 0.2250% |
| 2025/11/17 | 0.2250% |
| 2025/11/14 | 0.2250% |
| 2025/11/13 | 0.2250% |
| 2025/11/12 | 0.2250% |
| 2025/11/11 | 0.2500% |
| 2025/11/10 | 0.2500% |
| 2025/11/07 | 0.2500% |
| 2025/11/06 | 0.2500% |
| 2025/11/05 | 0.2500% |
| 2025/11/04 | 0.2750% |
| 2025/11/03 | 0.2750% |
| 2025/10/31 | 0.2750% |
| 2025/10/30 | 0.2750% |
| 2025/10/29 | 0.2750% |
| 2025/10/28 | 0.3750% |
| 2025/10/27 | 0.3750% |
| 2025/10/24 | 0.3750% |
| 2025/10/23 | 0.3750% |
| 2025/10/22 | 0.3750% |
| 2025/10/21 | 0.4000% |
| 2025/10/20 | 0.4000% |
| 2025/10/17 | 0.4000% |
| 2025/10/16 | 0.4000% |
| 2025/10/15 | 0.4000% |
| 2025/10/14 | 0.4250% |
| 2025/10/10 | 0.4250% |
| 2025/10/09 | 0.4250% |
| 2025/10/08 | 0.4250% |
| 2025/10/07 | 0.4500% |
| 2025/10/06 | 0.4500% |
| 2025/10/03 | 0.4500% |