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Reinvestment options

Reinvestment options

Choices for reinvesting when your GIC matures

How do you want to reinvest your money?


With a guaranteed return on the amount you invest, GICs are low-risk and perfect for building a balanced portfolio. Include GICs in your TFSAs and RRSPs to earn tax-free interest and a reliable source of income. Choose flexible term lengths and customize with fixed, variable or escalating rates.

Explore GIC options

Mutual funds


Mutual funds are an affordable way to build a diversified portfolio, often with greater returns than you could expect from savings accounts or GICs. Start with as little as $100, and get a professionally managed investment option at a risk-level that you’re comfortable with.

Explore mutual fund options

GIC renewal options

18-month GIC

One of our most popular options. Get a 100% guaranteed investment at a great rate. A short to medium-term investment, available for non-registered, RRSP and TFSA plans.

Market-linked GICs

Invest in a market-linked GIC and benefit from the potential growth of the stock market, without risking your principal investment. A wide range of options available.

Raise the Rate GIC

Your investment and rate are guaranteed, and you’re not locked into a rate if Meridian GIC rates go up. Choose from 3- or 5-year terms.


Ready to renew your GIC?

Meridian Members, did you know you can renew your GIC online? Find out how by reviewing our guide.

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Mutual funds and Wealth Management

Through our partnerships with Credential Securities and Credential Asset Management Inc., (subsidiaries of Aviso Wealth), we can offer our Members a variety of investment portfolio options, such as bonds, stocks, and mutual funds.

NEI Select RS portfolios* offer fund solutions across different risk profiles. These portfolios are designed to maximize opportunities and mitigate risks in today’s fast changing markets.

If you’d like to learn more about mutual funds and other types of investments, a Meridian Financial Planner can help.

Find a Meridian Financial Planner

*For illustration purposes only, not to be constructed as investment advice. Please contact your advisor to discuss the portfolio suitable for your, taking into account your own goals and risk profile. NEI Select INCOME portfolio (+/- 80% fixed income -bonds- / +/- 20% stocks): low risk portfolio that provides some potential for capital growth. NEI Select BALANCE portfolio (+/- 40% fixed income -bonds - / +/- 60% stocks): low to medium risk portfolio in a mix of income oriented mutual funds and equity mutual funds. NEI Select GROWTH Portfolio (+/- 15% fixed income -bonds - / +/- 75% stocks): medium risk portfolio that aims to provide long term capital growth.

Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated. Credential Securities is a registered mark owned by Aviso Wealth Inc. NEI Investments is a registered trademark of Northwest & Ethical Investments L.P. Credential Qtrade Securities Inc. Credential Asset Management Inc., Northwest & Ethical Investments Inc. are wholly-owned subsidiaries of Aviso Wealth Inc. ("Aviso"). Aviso is a wholly-owned subsidiary of Aviso Wealth Limited Partnership (“Aviso Wealth LP”), which in turn is owned 50% by Desjardins Financial Holdings Inc. (“Desjardins”) and 50% by a limited partnership owned by the five Provincial Credit Union Centrals (the “Centrals”) and the CUMIS Group Limited. The information contained in this email was obtained from sources believed to be reliable; however, we cannot guarantee that it is accurate or complete. This email is provided as a general source of information and should not be considered personal investment advice or a solicitation to buy or sell any mutual funds.

Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrollment intake, medical underwriting and claims administration are provided by the employees of CUMIS Services Incorporated. Coverage is governed by the terms and conditions of the creditor’s group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details.