Comments by "" (@Green__one) on "Bond Fund Vs GICs" video.

  1. The one thing that's missing here about GICs is that it is extremely hard to find a GIC these days that outperforms a high interest savings account, and those are completely liquid. It's for that reason that I've never used GICs in my portfolio. Instead I use a combination of a bond fund (ZAG) and an HISA (currently returning 2.25 percent, but was over 3% until COVID) the HISA misses out on the guaranteed rate, but it's fully liquid, and beats pretty much any GIC I can find as far as rates go. Is there a good reason to use GICs rather than HISAs? I've never seen one.
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