The Globe and Mail reports in its Saturday edition that doing the right thing as an investor can some times be costly and painful. The Globe's Rob Carrick writes that an example is holding bonds when interest rates are rising. Bonds are struggling right now. Count on this continuing as long as there is an expectation of higher rates in Canada. Late last week, DIY investors were able to get 2.75 per cent for one-year GICs, 3.05 per cent for a three-year term and 3.25 per cent for five years from Oaken Financial, which is part of Home Capital Group. The Globe's Rob Carrick writes that no one even comes close to these rates in the GIC market right now. Higher rates mean higher risk. Deposits at Oaken are covered by Canada Deposit Insurance Corp. to a maximum of $100,000 in combined principal and interest for eligible accounts, but there is an emotional side to consider as well, thanks to Home Capital's struggles this year. If you want a zero-stress GIC experience, then the extra yield is not worth it. If you have an adviser, check out the rates at Home Trust and Home Bank. Both divisions of Home Capital have lower rates than Oaken, but still beat most other GIC issuers. They are both CDIC members.