A side-by-side of the three ways Canadians earn fixed income. GICs are guaranteed but low-yield, bonds trade daily with rate risk, and MICs target 6–10% backed by real estate. See how they stack up.
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We believe informed investors make better decisions. These articles are written to explain — not to sell — so you can evaluate any income investment, including ours, with clear eyes.
Comparison
MIC vs GIC vs Bonds: which pays more, and what's the trade-off?
Education · Risk
Are MICs safe? An honest look at the risks
MICs are not guaranteed or CDIC-insured, so capital is at risk. But a well-run MIC manages that risk deliberately. Here's what actually protects your money, and how to judge one MIC against another.
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Tax & Accounts
Can you hold a MIC in a TFSA, RRSP or RRIF?
Yes, and it's usually the most tax-efficient way to own one. MIC income is taxed as interest at your full rate, so sheltering it in a TFSA or RRSP matters. Here's how the tax works and what to check.
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Education · MIC Basics
What is a Mortgage Investment Corporation (MIC)?
A MIC lets everyday investors earn income from a pool of mortgages. Here's how the structure works, how investors are paid, the tax treatment, and the risks to weigh before investing.
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Education · Evaluating Investments
Yield vs. return: what every investor should understand
"Yield" and "return" are often used interchangeably — but they can mean very different things to your wallet. Learn how to tell a portfolio yield from the return you actually earn.
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More insights coming soon. The articles above are for general educational and informational purposes only. They are not investment, tax, or legal advice, and are not an offer to sell or a solicitation of an offer to buy any security. See our Disclosures.
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