投资专家们能给解释一下GIC存款的利弊吗?

[diaolan]

银行怎么都推荐这个呀

 

[lrg2005]

利息高
如果你想提早取钱，可能就要罚款或不给你利息，各银行是不同的。

 

[dkwan]

银行就是为了方便，保本，没有风险。但有inflation risk.

 

[SHUIJING]

GIC has diffrent categories including cashable and non-cashable, registered and non-registered. For interest, non-cashable is higher than cashable. Cashable GICs usually have one year term. Non-cashable 1-5 years. Currently,the interest on GIC is usually no higher then 5%.GIC gives you the highest level of safety, but not the interest.These are general features of GIC. Different banks have diffrent products.You need to go to a bank and talk to somebody.

有点象国内的定期存款.