How $200,000 Became a New Path to Growth
Client Case Study • Couple in Their 40s • Investment Loans

How $200,000 Became a New Path to Growth

After two decades in Canada, this couple had already built stable careers, a home, a car, and a family life. But rising living costs, an ongoing mortgage, and retirement getting closer pushed them to shift from simply working harder to asking how their existing assets could start working for them too.

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Non-Registered Accounts Investment Details

Two $100,000 loans. Two fund companies. One combined long-term result.

In January 2023, the couple set up two non-registered investment-loan accounts: one through B2B invested with iA, and one through Manulife Bank invested with Manulife, for a combined investment amount of $200,000.

Total investment principal$200,000
Current total market value$367,539
Total investment gains$167,539
Leveraged return rate251%
Important The combined totals across both accounts were: $200,000 invested, $367,539 latest balance, $167,539 total profit, $47,750 total interest paid, $119,789 net return after interest, and a 251% leveraged return rate. The 251% figure does not mean the portfolio itself rose by 251%; it measures net profit relative to total interest paid.
$200,000 invested. $367,539 latest balance. $167,539 total profit. $119,789 net return after interest. Across these two non-registered accounts, the combined return rate was 84%, while the leveraged return rate reached 251% over 3 years and 8 months.
Their Story

From international students to a stable life.

Twenty years ago, the couple came to Canada as international students. After graduating, both built stable careers, bought a home and a car, and created a family life through years of hard work.

The Question That Changed Their Thinking

“We’ve already worked so hard. Why do we still feel anxious about the future?”

After the pandemic, the mortgage remained, living costs kept rising, and retirement no longer felt far away.

They wanted their assets to work alongside them.

From the outside, their life looked comfortable and successful. But they began to recognize that owning a home and having stable jobs did not necessarily remove long-term financial pressure.

If they did not want to depend entirely on employment income in the future, they needed another source of wealth growth. That led them to ask: besides continuing to work hard, could the money they already had also begin working for their future?

When they first learned about investment loans, they were skeptical. Their first reaction was simple: investing already comes with risk, so why borrow money to invest?

After learning how the strategy worked and carefully reviewing the risks, their income, assets, cash flow, investment timeline, and risk tolerance, they chose to proceed within a level they felt comfortable with.

Key Milestones

A second wealth engine built one step at a time.

1

January 2023

The couple obtained two $100,000 investment loans through B2B Bank and Manulife Bank, creating $200,000 in total investment capital across two non-registered accounts.

2

Long-Term Investing

The $200,000 was invested into iA and Manulife segregated funds, shifting the couple’s mindset from only “working harder” to also letting their assets work over time.

3

3 Years & 8 Months Later

Their combined market value reached $367,539, with $167,539 in total gains and $119,789 in net profit after interest.

Why It Matters

The biggest shift was not only the number. It was learning to make their assets work too.

Their experience shows how long-term investing can create another source of growth while a family continues earning employment income and building its life.

They let time become part of the strategy.

In the early months, daily account changes did not seem dramatic. But over one year, two years, three years, and eventually 3 years and 8 months, compounding and market growth had more time to work.

This does not mean everyone should borrow to invest.

Investment loans involve interest costs, market fluctuations, and leverage risk. They are not suitable for everyone. The important question is not “Should I borrow $200,000 to invest?” but “Is this strategy suitable for my family’s financial situation?”

Portfolio cumulative return ≈84%
Leveraged return 251%

Could your assets be working more effectively?

A Licensed Segregated Fund Agent can help you review your goals, cash flow, risk tolerance, and whether an investment-loan strategy may be suitable for your situation.

Security & Guidance

Your Capital Is Protected

Ai Financial provides professional guidance and assists clients with eligible loan and segregated fund applications.

  • Products provided by established Canadian financial institutions
  • Regulated application and compliance process
  • Investments held in the client’s own account
  • Long-term planning with ongoing review
Client Results

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Disclaimer: The data in this article is based on the client’s latest investment account records and is provided for real-life case sharing and investment education purposes only. Past investment performance does not guarantee future results. Investing involves market risk, while investment loans also involve interest costs and leverage risk and may not be suitable for all investors. All investment decisions should be made based on individual financial circumstances, investment objectives, investment time horizon, and risk tolerance, with guidance from a qualified professional.