If you want to take advantage of attractive GIC rates but don’t want to lock in all your funds for a long duration, consider GIC laddering. Rather than making your entire investment in a 1-year fixed term, you can split it into different fixed terms of 1 year through 5 years. With this strategy, you’ll have investments maturing every year, and may earn far greater returns. Try this calculator to see the potential advantages of GIC laddering.