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Explore the questions you may ask, and learn how AI Financial help you reach your financial goals.
What can AI Financial do for me?
How do you charge?
We don't charge any fee from clients. We earn commissions from fund companies and from the market. AI Financial and customers are a community of interests. Only when customers make money from the market can our company make money.
What do you invest?
We select fund products from major fund companies, which means essentially operating stocks indirectly. These funds come from large fund companies, such as iA, Manulife, etc.
How do you choose funds?
We build our own high-quality fund library. All funds are selected in the following order to ensure sustained and stable profitability.
- Research and select the stock portfolios of high-value leading companies
- Select all funds containing these stock portfolios in fund companies and put them into the AI Financial screening system
- Investigate and research the concept of fund managers, and exclude them from the system Funds managed by fund managers who do not have the correct value system and are inconsistent with AI Financial’s principle.
How do you keep my money safe?
In all investment processes, AI Financial does not directly handle client funds. Regardless of whether it is a loan or own funds, they directly go to client's own accounts and directly purchase the funds recommended by us.
Clients can log in online banking at where they have opened an account at any time to check the capital flow and balance. We can’t do anything to clients’ money without their permission.
At the same time, we control the risk by purchasing segregated funds, which contain capital protection function through insurance companies .
Is there any fee for me to transfer my money from other company to you?
We do not charge any fee, while you need to ask your financial company if they charge any fees for the transfer.
Which account can you invest with?
TFSA、RRSP、RESP、NON-REGERSTED、LIRA、LIF and more.
Do you choose the same fund portfolio for every client?
Although we choose funds in roughly the same direction, we will adjust them according to the different circumstances of each client.
What is investment loan?
What is investment loan?
Endorsed by government and dedicated to investment. Government endorse the investment loan project to be supplement the pension plan.
Who can apply investment loan？
Canadian residents, credit score higher than 680, have income for more than 2 years, better have certain assets.
Do I need collateral for this loan?
No collateral, no guarantee, only interest, no principal.
Now get $100,000 investment loan, you only need to pay back interest of $621 per month, no need to repay the principal every month.
The investment loan is endorsed by government and borrowed from big banks.
The money does not enter our company account, but enter your accounts in big fund company directly. We choose segregated fund, which involved insurance company to protect your capital. We are only involved in management, and the money is in big fund company. Your money is very safe.
What is the rate?
P+0.75%, 7.45% right now.
How much should I pay monthly?
You pay interest only. For example, if you borrow $100,000, you only need to pay $621 per month.
How long is the loan term? How to repay the principal when it is due?
The term is 20 years, it is an open term, you can repay anytime without charge.
Can I withdraw money from investment? How much can I withdraw?
If the profit higher than 10%, you can take 10% of the total. If the profit is less than 10%, you can withdraw all the profit.
How much can I apply for loan?
It depends on personal financial situation, such as your assets, income and liabilities.
Why segregated fund？
Do I need to pay insurance premiums to buy segregated fund？
All costs are included in the fund management fee MER, and there are no additional costs.
What appear on website is the final return rate, and the management fee MER has been excluded.
What kind of guarantee does it have?
In addition to the characteristics of the investment itself, the segregated fund also has the benefits of principal protection, debt collection avoidance, and designated beneficiaries.