Guaranteed Interest Account & Locked in Retirement Accounts

About GIO, LIRA's

Invest wisely, live confidently.

You've decided to take charge of your financial future. You want to be able to retire fully and do it with the peace of mind that you'll never have to worry about money again. But how do you make sure you're on the right track?

Guaranteed Interest Options (GIO) and Locked-in Retirement Accounts (LIRA) are two ways Canadians can save for retirement. They're similar in that they both offer interest rates that are higher than those offered by a traditional savings account or a TFSA, but they differ in how you can access the money you've saved.