{"id":806432,"date":"2019-09-25T11:06:35","date_gmt":"2019-09-25T15:06:35","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=806432"},"modified":"2026-07-24T13:41:14","modified_gmt":"2026-07-24T17:41:14","slug":"how-does-a-gic-ladder-work","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/gics\/how-does-a-gic-ladder-work","title":{"rendered":"What is a GIC laddering strategy?"},"content":{"rendered":"<p>If you\u2019re in the market for a low-risk investment with a guaranteed return, a guaranteed investment certificate (GIC) may be a good place to start. Like bonds, GICs offer long-term stability and guaranteed interest rates, allowing you to build your portfolio over time.<\/p><p>While many Canadians have become familiar with GICs, not everyone is aware of the various portfolio strategies you can use. One such strategy, called laddering, allows you to maximize the return of your GICs without having to lock away all of your money into one long-term investment.<\/p><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li><p>A GIC ladder spreads your investment across multiple GIC terms, allowing portions of your money to mature each year while earning predictable returns.<\/p><\/li>\n          <li>GIC laddering can provide more flexibility than a single long-term GIC, as you\u2019ll have regular access to funds and opportunities to reinvest at new rates.<\/li>\n          <li>While GIC ladders offer stability and lower risk, they may not keep pace with inflation. They\u2019re best suited for investors who prioritize guaranteed returns and a diversified portfolio over higher growth potential.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<h3>How does GIC laddering work?<\/h3><p>GIC laddering means dividing your total investment amount into multiple investments, each of which matures one year after another. Staggering GIC terms frees up some of your money each year.<\/p><p>If rates rise, you can reinvest and earn more than your original rate. If rates fall, you\u2019ll have peace of mind from knowing that most of your investment is still locked into a higher rate.<\/p><p>Set up a GIC ladder by dividing your total investment amount by the number of years you want to invest. Then allocate those smaller amounts to individual GIC investments with progressively longer terms.<\/p><h3>GIC laddering example<\/h3><p>Say you have $10,000 you want to invest for a maximum term of five years. You could invest in five $2,000 GICs that mature in one, two, three, four and five years, respectively. When each term matures, reinvest the new amount (your original investment plus the return) in a five-year term. Repeat this process over and over again to maximize your portfolio\u2019s returns.<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/gics\" style=\"text-decoration:underline; font-size:0.9em;\">Learn more about GICs in Canada<\/a>\n<\/div>\n<\/article><\/p><h3>What are the benefits of GIC laddering?<\/h3><p>The rationale for employing a GIC ladder schedule is simple: Your annual return will be much higher than if you invest your money in consecutive short-term GICs. By investing in various terms at the same time, you\u2019ll earn higher interest rates every year. Combine that with reinvesting at maturity into a new lengthy term, and the laddering process yields significant returns over time.<\/p><p>To get a sense of how much interest you could earn in a laddered GIC portfolio, simply add up all of the interest rates in your portfolio and then divide it by the number of investments you made. You\u2019ll find that this average interest rate is higher than what you could earn by investing in short-term GICs.<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th>Investment amount<\/th><th>Term<\/th><th>Sample Interest rate<\/th><\/tr><\/thead><tbody><tr><td>2,000<\/td><td>1 year<\/td><td>1.75%<\/td><\/tr><tr><td>2,000<\/td><td>2 years<\/td><td>2.00%<\/td><\/tr><tr><td>2,000<\/td><td>3 years<\/td><td>2.25%<\/td><\/tr><tr><td>2,000<\/td><td>4 years<\/td><td>2.50%<\/td><\/tr><tr><td>2,000<\/td><td>5 years<\/td><td>2.75%<\/td><\/tr><\/tbody><\/table><p>That\u2019s 11.25% in total interest. If you divide that by five (the number of investments you made), your average interest rate in the first year is 2.25%. Compare that with the interest rate on a one-year GIC and you\u2019ll quickly see why laddering is more advantageous.<\/p><h3>Drawbacks of a laddered GIC<\/h3><p>GICs have a few drawbacks you should carefully weigh before investing:<\/p><ul class=\"list-3\"><li><strong>Interest rates.<\/strong> GICs are valued for being low-risk, stable investments, but their potential to rise in value diminishes when interest rates fall (as they are now).<\/li><li><strong>Can\u2019t keep up with inflation.<\/strong> GIC returns may not always keep pace with inflation, especially when interest rates are low or inflation remains elevated.<\/li><li><strong>Early redemption.<\/strong> Selling your GICs before maturity can result in a significant penalty.<\/li><\/ul><h3>Alternatives to GIC laddering<\/h3><p>If you want to earn fixed interest on your money without running a high risk of loss, GICs aren\u2019t your only option.<\/p><div class=\"u-grid u-grid--alignStretch\"><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border luna-card--stretch\"><div class=\"luna-card__block\"><p class=\"luna-card__title\" style=\"font-size: 15pt; text-align: center;\">Bonds<\/p><p><a href=\"https:\/\/www.finder.com\/ca\/investments\/bonds\">Bonds are like loans<\/a> from investors to corporations or government entities. Terms can range from under one year to decades. Upon maturity, you receive your principal investment plus interest, which can be either fixed or variable.<\/p><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border luna-card--stretch\"><div class=\"luna-card__block\"><p class=\"luna-card__title\" style=\"font-size: 15pt; text-align: center;\">High-interest savings accounts<\/p><p><a href=\"https:\/\/www.finder.com\/ca\/savings-accounts\/best-high-interest-savings-accounts\">High-interest savings accounts in Canada<\/a> don\u2019t pay high interest rates, but earnings are predictable and you never risk losing any money. Rates typically range from as little as 0.10% to over 4%, but you can sometimes find <a href=\"https:\/\/www.finder.com\/ca\/banking\/new-bank-account-offers\">new account offers<\/a> with temporary promotional rates.<\/p><\/div><\/article><\/div><div class=\"u-grid__col u-1\/3@s\"><article class=\"luna-card luna-card--border luna-card--stretch\"><div class=\"luna-card__block\"><p class=\"luna-card__title\" style=\"font-size: 15pt; text-align: center;\">Fixed-income funds<\/p><p>You can\u2019t lose your principal investment with <a href=\"https:\/\/www.finder.com\/ca\/stock-trading\/fixed-income-investments\">fixed-income securities<\/a> like bonds and GICs, although the rate of return can fluctuate.<\/p><p>A fixed income fund gives you exposure to a greater range of low-risk assets than buying individual securities. Funds are adjusted based on market conditions, and payments are regularly made.<\/p><\/div><\/article><\/div><\/div><h3>How to compare laddered GICs<\/h3><p>You can compare laddered GICs based on a number of different features:<\/p><ul><li><strong>Fixed or variable rate.<\/strong> Most GICs offer fixed interest rates, although market-linked products are based on how well the stock market is performing.<\/li><li><strong>Interest rate.<\/strong> If you\u2019re investing in fixed GICs, interest rates may differ across issuers. The most familiar issuers in Canada are the Big Five banks: RBC, TD, Scotiabank, BMO and CIBC.<\/li><li><strong>Minimum investment.<\/strong> Most GICs carry an initial investment minimum of $500, but this may vary across issuers.<\/li><li><strong>Renewal process.<\/strong> A key component of a GIC ladder is reinvesting your money on maturity. Some GICs do this for you automatically, while others need to be cashed out or reinvested into a different product.<\/li><li><strong>Payment frequency.<\/strong> GICs pay interest at different intervals, the most common being monthly, quarterly, biannually and annually.<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/investments\" style=\"text-decoration:underline; font-size:0.9em;\">Guide to investing for the future<\/a>\n<\/div>\n<\/article><h3>GIC laddering FAQs<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Is GIC laddering a good idea?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>When using a GIC ladder, your annual return will be higher than if you simply invest your money in multiple short-term GICs.<\/p><p>Compared to locking up your entire investment in a single, long-term GIC, GIC laddering lets you access some of your funds each year. If rates rise during the year, you can reinvest at a higher rate. If rates fall, most of your investment is still locked into a more favourable rate.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">If I ladder my GICs, how much of my money can I access each year?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>A laddered GIC gives you access to 20% of your investments each year \u2013 that is, if you made five investments with terms ranging from one to five years. When that year's GIC reaches maturity, you can either reinvest the amount or take the money out.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Can I use variable-rate GICs in my laddering strategy?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>A laddered strategy doesn't preclude you from investing in variable-return GICs, but it is generally intended for fixed-interest GICs. That's because a laddered GIC is meant to provide you with predictable investment streams without compromising liquidity when you need it.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Is GIC laddering still worth it when interest rates are high?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, GIC laddering can still be worth considering when interest rates are high, as it allows you to lock in competitive rates while keeping some funds available to reinvest as GICs mature.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000004\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000004\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>\n<div class=\"contentFeed contentFeed--relatedPosts\">\n            <h3 class=\"contentFeed__title\">More banking guides from our experts<\/h3>\n        <div class=\"contentFeed__carousel\" data-post-count=\"6\">\n                                    <div class=\"fin-carousels fin-carousels--multiple-items-in-view\" id=\"fin-carousel0000000000\" data-items-in-view=\"3\" style=\"--items-in-view: 3\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n                                <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        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<picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers2_Supplied_450x250.jpg\" 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account offers for August 2026<\/a>            <\/p>        <\/header>        <p>Earn cash, rewards points, bonus interest rates and more with these new bank account offers and promotions.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/kids-banking\/best-bank-account-for-teens\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/Teen-Kid-Holding-Piggy-Bank_Supplied_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Kids Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/kids-banking\/best-bank-account-for-teens\">Best youth bank accounts in Canada<\/a>            <\/p>        <\/header>        <p>Learn about the different types of bank accounts for your teenager and how to choose the right one.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-chequing-accounts\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/07\/Best-Chequing-Accounts-Canada-2_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Chequing Accounts<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-chequing-accounts\">Best chequing accounts in Canada for 2026<\/a>            <\/p>        <\/header>        <p>Compare chequing accounts and learn about our top picks. Compare different features and see which one is right for you.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/open-bank-account-online\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/12\/Typing-On-Laptop_Supplied_Canva_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/open-bank-account-online\">Open a bank account online in Canada in 5 easy steps<\/a>            <\/p>        <\/header>        <p>Compare and open a bank account online in Canada in as little as 5 minutes. Learn what you need to apply and how to get started today. <\/p>                    <\/div>        <\/article>            \n<\/div>\n                \n        <\/div>\n    <\/div>\n    <div class=\"fin-carousels__controls\">\n        <button class=\"fin-carousels__nav fin-carousels__nav--prev fin-carousels__nav--disabled\" aria-label=\"Previous slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-left\"><\/use>\n            <\/svg>\n        <\/button>\n        <button class=\"fin-carousels__nav fin-carousels__nav--next fin-carousels__nav--disabled\" aria-label=\"Next slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-right\"><\/use>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n    <div class=\"fin-carousels__dots\" role=\"tablist\" aria-label=\"Carousel navigation\"><!-- Dots will be generated by JavaScript -->\n    <\/div>\n<\/div>\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>GIC laddering lets you enjoy guaranteed returns without locking in your funds for the long-term.<\/p>\n","protected":false},"author":711,"featured_media":1043538,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"gic laddering","_yoast_wpseo_title":"What Is a GIC Laddering Strategy? | Finder Canada","_yoast_wpseo_metadesc":"GIC laddering splits up your investment, so you get maximum access to your funds. 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Find out how a GIC ladder works in this guide.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/gics\/how-does-a-gic-ladder-work\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a GIC Laddering Strategy? | Finder Canada\" \/>\n<meta property=\"og:description\" content=\"GIC laddering splits up your investment, so you get maximum access to your funds. 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