Want to maximize your GIC returns without locking in all of your money into one term? GIC laddering gives you the best of all worlds: higher rates, less risk and the ability to access funds every year. With a GIC laddering strategy, savings are divided into five separate GICs – all with different terms and interest rates. Each year one GIC will mature, allowing you to reinvest the money into another five-year term or access the funds if needed.