Capital Guarantee: The Equity Index GIA provides a 100% capital guarantee in the event of death, meaning the portion of your capital you’ve chosen to secure will not be lost, regardless of market performance. You can also choose to guarantee your capital at maturity at 90%, 100%, or 110%, which includes the option to protect some of your profits (available only in registered accounts). The lower the capital guarantee, the more favorable the conditions.

Investment Timeframe: Similar to a loan, you’ll agree on an investment duration with your advisor when setting up the account. You can choose terms of 5, 7, or 10 years. The longer the investment period, the more attractive the rate for the fixed element. You can also withdraw funds from your GIA at any time, but early withdrawals may incur specific fees or penalties.

Market Index: The variable component of your Equity Index GIA is linked to market performance, so you don’t have to manage individual investments. Returns will depend on the market index or fund you select: