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- ✅ Latest updates on the performance of different asset classes.
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- ✅ Analysis of investment assets in comparison with financial benchmarks, including CPI and market indices.
- ✅ Money-saving tips for investing in different asset classes.
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Who’s been offering the highest GIC rates in Canada — and by how much?
Canadian banks' savings accounts offer a relatively low return on deposits. Guaranteed Investment Certificates (GICs) is a safe investment that offers a higher return than a savings account but require a lock-in period.
At WOWA Data Labs, we collect and analyzeGIC rates for over 30 GIC providers in Canada. Using our data, collected over the past 16 months, we analyzed and compared 1-year and 5-year GIC rates of the Big Six banks and of other GIC providers.
Best GIC Rates for July 17, 2025
| GIC Type | Best Big Six Banks Rate | Best Market Rate |
|---|---|---|
| 5-Year GIC | 3.30% | 3.95% |
| 1-Year GIC | 2.80% | 3.70% |
The best market rate for 1-year GICs is usually around 0.75% higher than the highest rate offered by the Big Six banks. 5-year GICs also see a similar trend where the GIC rates offered by the Big Six keep trailing behind the market leaders.
Our CEO, Hanif Bayat, discussed with The Globe and Mail about the difference in best GIC rates offered by the big banks and all GIC providers. Read the article onThe Globe And Mail.
📈 Canada’s Top-Performing Investment So Far This Century (Hint: It’s Not Real Estate!)
Most Canadians assume real estate is the surest bet, but since 2001, it’s actually gold that has led the pack.
With an annual return of 10.3%, gold has outpaced Canadian stocks, U.S. equities, and even housing.
Since 2001, the S&P/TSX Composite Index has returned around 7.3% annually. U.S. Equities (S&P 500 Index in CA$) did slightly better at 8%, while real estate returns ranged from 6% to 8.6%, based on the rental yield assumed. Rental yield is the net income from rent calculated as a percentage of a property’s value, and in our comparison, adding a 4% rental yield boosted real estate returns from 6% with no rental income to 8.6% annually.
Asset Inflation in Canada (July 2025)
24.5 Year = January 2001 – July 2025
| Asset / Index | Growth | Annualized Return | ||
|---|---|---|---|---|
| 10-Year | 24.5-Year | 10-Year | 24.5-Year | |
| Gold Index | 214% | 1,008% | 12.1% | 10.3% |
| S&P 500 Total Return (CAD) | 287% | 565% | 14.5% | 8.0% |
| S&P/TSX Composite Index (Total Return) | 151% | 459% | 9.7% | 7.3% |
| Home Price (No Rental Income) | 63% | 318% | 5.1% | 6.0% |
| Home Price (with 2% Net Rental Yield) | 97% | 485% | 7.1% | 7.5% |
| Home Price (with 4% Net Rental Yield) | 130% | 653% | 8.8% | 8.6% |
| Money Supply (M2) | 100% | 426% | 7.3% | 7.1% |
| Consumer Price Index (CPI) | 29% | 70% | 2.6% | 2.2% |
So why the gap? Money supply growth has contributed to inflation and has quietly fueled asset prices in Canada. Gold’s limited supply (growing just 1–2% per year from mining) has made it a resilient hedge as central banks keep printing money.
While gold leads in unleveraged returns, real estate remains a top contender when factoring in leverage through mortgages. Investors often put down just a fraction of a home’s value, which amplifies their return. Most other asset classes aren’t easily leveraged for the long term, where doing so can be expensive, risky, or not sustainable over decades.
As the money supply continues to grow, asset prices may keep rising, while incomes, tied to headline inflation, struggle to keep up.
📊 Want the full breakdown? Read the full article written by our CEO, Hanif Bayat, PhD, at the Globe and Mail: The investment that has outperformed stocks and Canadian real estate so far this century
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Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
- The calculators and content on this page are for general information only. WOWA does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
- Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.