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What is the point of Peoples Trust Tax Free Savings GIC

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Am I missing something here?

http://peoplestrust.com/main/index.php?en&today_rates

TFSA = 3%, can contribute anytime, can withdraw anytime, interest calculated monthly

Tax-Free GIC, interest compounded annually, not redeemable prior to maturity date, and the rates are much worse:
1 year 2.050
2 year 2.200
3 year 2.350
4 year 2.400
5 year 2.600


Both are subject to the same contribution limit right?

I don't see any benefit to the GIC account.

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