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GIC’s – A Healthy Addition to Every Financial Plan  Diversifying your investments among equities, fixed-income investments and cash has been the cornerstone of sound financial planning strategies for some time. And GIC’s can be a great fit for many investors looking to add more certainty to the fixed-income portion of their portfolio.  GIC’s do offer one very important advantage when compared to other fixed-income investments: they offer a guaranteed interest rate, no matter what the financial markets are doing. This can help to reduce overall investment risk within your portfolio while you’re saving for your retirement years.