Here's something that happens to thousands of Canadians every December 31st:

Their GIC matures. And immediately reinvests. At whatever rate the bank is offering that day.

No phone call. No email. No "hey, just so you know, your 5% GIC from 2022 just renewed at 2.8%."

It just... happens.

Many of us set up a GIC years ago when rates were decent, then completely forget about them. Which is fine when rates are stable or climbing. But when they drop? That automatic renewal quietly locks you into lower returns for another term.

And here's the thing: a maturing GIC is one of the easiest assets to move.

No complicated transfers. No selling positions. No tax complications if it's in an RRSP or TFSA. The money is just sitting there, waiting for instructions.

If you had a GIC mature in late December (or if one is coming up soon), this is actually the perfect time to consolidate your investments. Move that GIC to Steadyhand, put it to work in a real portfolio, and through May 31, 2026, you'll get a 1% bonus on top when you make the switch.

That's $500 on a $50,000 GIC. $1,000 on $100,000. And instead of locking into another term that quietly renews without you noticing, you'll have money that's actively managed and part of your overall investment strategy.

We'll handle most of the paperwork. We'll also reimburse transfer fees up to $150 + taxes. You just need to register first so we know you're coming.

Register for the 1% Match Promotion

If your GIC renewed automatically and you didn't notice, you're not alone. But now you know you have better options.