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Financial Stability

Unlocking Financial Stability: A Deep Dive into Guaranteed Investment Certificates (GICs)

In the ever-evolving landscape of personal finance, investors are constantly on the lookout for secure and reliable avenues to grow their wealth. One such financial instrument that has stood the test of time is the Guaranteed Investment Certificate (GIC). We'll explore the ins and outs of GICs, understanding how they work, their benefits, and how they fit into an overall investment strategy.

Don Martone

Founder / CTO

Fund Management

Mastering Condo Reserve Fund Management: A Comprehensive Guide

Effective management of a Condo Reserve Fund requires a strategic approach, balancing control over capital expenditures (CAPEX) and owner's contributions (monthly condo fees). This article will explain the key aspects of managing the condo corporation's Capital Reserve Fund's investment portfolio. This is the key. but often an overlooked requirement of the Condo Board and their Property Manager responsibilities to ensure that sufficient funds are collected and invested properly to meet/exceed the capital expenditure requirements to maintain the building into the future and protect the condo owner's investment.

Don Martone

Founder / CTO


Finally, GIC investors get their own online broker to shop the market for top rates

Investors who like the safety of guaranteed investment certificates have been largely ignored in the tech revolution that has transformed do-it-yourself investing in the past 20 years. An online GIC broker called CASHiQ is trying to fill this gap. It offers access to GICs from 21 different issuers, none of them Big Five banks (the rates at these banks are just too low to bother adding them). There are also tools for building laddered-GIC portfolios while staying within deposit-insurance limits.

Rob Carrick

Personal Finance Columnist (Globe & Mail)

Get in touch

CASHiQ is not a bank, and never takes custody of client funds. CASHiQ simply helps maximize the return on their portfolio and invests in the federally and provincially insured Canadian financial institutions (banks, trust companies, credit unions).

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