Laddered Investment Strategy

A Laddered Investment Strategy is a safe, simple way to invest your money to maximize your returns over time. Here's how it works: 

  • Divide your total investment amount into five equal deposits
  • Invest the first deposit to mature after one year
  • Invest the second deposit to mature after two years
  • Invest the third deposit to mature after three years
  • Invest the fourth deposit to mature after four years
  • Invest the fifth deposit to mature after five years

This reduces risk from fluctuating interest rates, gives you some access to your funds since 20% of your money comes due every year, and gets you a better overall return, as rates on 5-year terms are better than shorter ones. It also eliminates trying to predict the best length of time to invest. 

In addition to our helpful and knowledgeable staff, Interior Savings has several online calculators available to help you plan your investment strategy.

Attractive Term Deposits for a Laddered Investment Strategy

At Interior Savings we offer attractive and competitively priced term deposits that offer a great rate of return - cashable and non-cashable.  To view our term deposits rates, click here.

Four reasons to invest with us now:

1. Expertise

At Interior Savings, we take your financial success to heart. So our friendly, knowledgeable investment experts take the time to get to know you, your needs, and your financial goals. And because markets constantly change, we make sure we’re in touch with you on a regular basis to let you know how your investments are doing and offer advice on how to get even more out of them. As we like to say, you don’t need to be a financial expert, you just need to know one.

2. Choice

Like the old saying goes, you can’t fit a square peg in a round hole. That’s why we offer a wide range of investment products to fit whatever your needs and financial comfort levels are–from a variety of guaranteed  term deposits to higher-return custom portfolios. And to give you the benefit of avoiding the tax man’s bite, your investments can also be held as  RRSPs or  Tax-Free Savings Accounts.

3. Security

You work hard for your money, so obviously you want it to stay safe.  Term deposits , whether they’re our new  Escalator SecurePlus HeathPlus  or   Index Linked , keep your original investment secure and offer guaranteed rates of return, but with the potential for even higher returns. Plus, for added peace of mind, your deposits carry unlimited deposit insurance protection and are 100% guaranteed by the  Credit Union Deposit Insurance Corporation of British Columbia .*

4. Convenience

It’s always easier for you to manage and track your finances when they’re all under one roof, so we can consolidate your investments held at other institutions. And with our 24/7  online banking  access, you can easily view account statements, make  RRSP or TFSA contributions  anytime and access a host of useful tools and  calculators  to help you make informed decisions. For added convenience, we can also set up automatic deposits into your investment of choice.

Always here to help.

When you're a member of Interior Savings, you're among friends. What do you need to get done today?

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