Skip to main content
Business / Accounts / GICs / Guaranteed Return GICs / Income Builder GIC
MENU

Income Builder GIC

Customize Your Payments for Guaranteed Cash Flow

This GIC allows you to customize how long, how often, and how much you receive from your investment. You can also choose how much of your principal will remain at the end of your term. Your regular recurring payments are a combination of your principal and interest earned.

Ready to Get Started?

If You Already Have an RBC Account You Can Purchase Now

Sign in to Online Banking

Call our 24/7 Business Helpline

1-800-463-3863

Locate a Branch Near You

Find a Branch

Is This GIC Right for You?

The Income Builder GIC is an ideal investment for Businesses looking to optimize cash flows and liquidity by creating regular payments from the invested principal and interest earned.

Key Features

  • Minimum Investment: $5,0001,2
  • Terms: 1, 2, 3, 4, 5, 10, 15 & 20 year terms available
  • Interest Payment Options:
    • Bi-weekly
    • Monthly
    • Quarterly
    • Semi-annually
    • Annually
  • Returns: Interest rates will depend upon the regular recurring payment amount you will receive relative to the initial amount invested and the current interest rate environment.3
  • Access to Funds: All or part of the principal will be repaid as specified in your customized payment schedule, however, any other principal is non-redeemable prior to maturity.
  • Plan Eligibility: Non-Registered
  • Depletion Rate: The portion of the principal that is paid out during the term, expressed as a percentage. For this product, at least 10% of the principal must be depleted during the term.
  • CDIC Eligible: Yes

Benefits

Competitive Interest Rates

Maximize returns with longer term interest rates

Flexibility

Customized payments to suit your needs

Security

Guaranteed rate of return and payment amounts

Additional Information

For more information or to invest in an Income Builder GIC, visit your nearest RBC Royal Bank branch or call 1-800-463-3863 to talk to an investment specialist.

Ready to Get Started?

Call our 24/7 Business Helpline
1-800-463-3863
Locate a Branch Near You
Find a Branch
If You Already Have an RBC Account You Can Purchase Now
Sign in to Online Banking

You Might Also Be Interested In:

Resources

Maximum investment per certificate is $999,999.99. For an interest rate quotation for deposits of $5 million and over, please visit you nearest RBC Royal Bank branch or call 1-800-463-3863 to talk to an investment specialist.
Minimum recurring payment amount from invested principal is $50.
The interest rate is an annual rate of interest and is earned in the currency of the account. The interest calculation is a simple interest calculation and is calculated daily on the closing principal balance and paid at the frequency selected. The payment frequency will influence the interest rate available. At least 10% of the principal must be depleted during the term. The amount of interest earned will decrease as the principal depletes with each payment, and the portion of interest and principal within each payment will vary.