Optimized, Fully Insured GIC Solutions

Optimized, Fully Insured GICs portfolio for Condominium Capital Reserve Fund.

Fiduciary responsibility meets state of the art yield optimization. Fully insured laddered investments built to match your condominium’s long term capex plan.

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How It Works

Our AI algorithm will review the current investments held in the Capital Reserve, maturing investments and available cash and propose a fully insured diversified laddered investment portfolio for the standard 5 year investment window.

Fully Insured

CDIC & Provincial Coverage

Condo Specific

Aligned with Capex Plans

Yield Optimized

5-Year Laddered Strategy

The Problem with Traditional GICs

Comparing the traditional 'Big 5' approach against the GIC Simple optimized strategy.

Low-Yield 'Big 5' Bank GICs

  • Limited options for larger reserve portfolios > $1m
  • Auto-renewals at suboptimal rates
  • Complex account opening for Board of Directors and/or Property Managers
  • Limited hi-yield options for large portfolios
  • Lost income = Higher condo fees

The GIC Simple Way

  • High-yield with competitive Ontario Credit Unions and CDIC backed financial institutions – all fully insured
  • Easy, efficient renewal process with fully insured options to maximize yield
  • Efficient corporate account set-up per Fintrac for Board member(s)
  • Hi-yield options to complement existing Capital Reserve portfolios
  • Optimized yield = Reduced condo fees

Our Process

A streamlined approach to structuring your condominium's financial future.

01

Analyze Requirements

We review your complete Capital Reserve Investment Plan and Investment Portfolio - upcoming capital projects and liquidity needs.

02

Build Portfolio

We structure a diversified, fully insured investment plan – laddered with maturities aligned with your cap ex needs.

03

Simplify Oversight

Clear investment documentation, transparent disclosure and pro-active renewal support for the Board aligned with planned capital expenditure.

Proprietary Technology

Compare Before You Decide:
AI-Powered Yield Analysis

Most Boards assume Big 5 bank rates are "good enough." Our proprietary algorithm surveys the market to identify opportunities.

  • Review current capital reserve portfolio – available ‘cash’ and upcoming maturities
  • Survey and compare current GIC rate offering by ‘Big 5’ and compare to the CashiQ - GICSimple’s offering
  • Identify opportunity and project expected yield difference, cash flow alignment and benefit
  • Generate proposal ready documentation for Board of Directors
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Analysis Result
5 Year Projection
Optimized
Big 5 Bank Portfolio Baseline
GIC Simple Portfolio +0.1% to 0.5% Improvement on annual yield compounded
+3% to +9% portfolio yield
[*yield improvement, compounded annually over 5yrs]

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Get your complementary investment portfolio review and recommendation.

181 University, Suite 1502,
Toronto, ON., M5H 3M7
info@gicsimple.ca
www.cashiq.ca

CashiQ Inc.

GIC Simple is part of CashiQ Inc.

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