With guidance from AiF, Cindy, then still an international student, began her investment journey in 2021 with a small TFSA contribution of $13,000. After seeing stable and above-expected returns in just a few months, she gained confidence and made additional contributions: $10,000 in 2022 and over $17,000 in early 2023.
In 2024, she contributed another $14,000. By August 2025, her TFSA account had grown to a net return of $17,000+ — an impressive 40% return on her $44,500 total contributions.
Seeing the power of long-term planning, Cindy went on to max out all her registered accounts — TFSA, RRSP, FHSA — with no room left unused. This level of structure and decisiveness is rare for someone her age.
In February 2025, she further invested $10,000 in her RRSP, demonstrating her commitment to long-term strategy.
Cindy’s 4-Year Registered Account Performance (2021–2025)
Account | Contribution | Current Balance | Return | ROI |
TFSA | $44,500 | $62,015 | $17,515 | 36% |
FHSA | $24,000 | $28,704 | $4,704 | 20% |
RRSP | $14,158 | $17,265 | $3,107 | 22% |
✅ Total Contributions: $82,658
✅ Total Market Value: $107,984
✅ Overall Return: 30.6%
While others her age are still unsure about money, Cindy’s registered accounts have quietly accumulated nearly $100,000 in value — not just numbers, but real financial strength.
After gaining Canadian permanent residency, Cindy made a bold move: with AiF’s help, she applied for a government-backed investment loan and used it alongside segregated funds to multiply her gains with controlled risk.
Investment Loan Summary:
As of August 2025, her loan-funded investments grew to $307,531, generating:
✅ Profit: $107,531
✅ Return: 53.7%
✅ Leverage ROI: 222%
Today, Cindy not only has a strong financial cushion for her family, she’s also started a RESP account for her future child’s education. No matter where the economy heads, her long-term lifestyle, retirement, and child’s tuition are all secured.
Overall Portfolio (2021–2025)
✅ Total Investment: $282,658
✅ Current Value: $415,515
✅ Net Profit: $132,857
✅ Total ROI: 47%
Cindy holds segregated fund accounts across four different insurance companies. In the past, checking balances meant logging into each provider separately — time-consuming and tedious.
With AiFundTech, she now only needs one login to view all her accounts: fund performance, TFSA, RRSP, FHSA, RESP — all in one place.
This has empowered her to see the big picture and make decisions quickly and confidently.
Why Cindy Succeeded
✅ All-in-One Wealth Planning with AiF
TFSA, FHSA, RRSP, RESP, Non-Reg, and investment loans all managed under one roof.
✅ Safety + Growth
Segregated funds for stability, loans for acceleration — balancing security with performance.
✅ Time is the Most Powerful Multiplier
Planning early means compounding works in your favor for decades.
What About You?
If you’re still unsure where to start —
📌 Test with a small amount
📌 Build a personal strategy
📌 Let a professional team guide you
📩 Contact AiF today to unlock your own long-term wealth journey — just like Cindy did.
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