Chris and Cici are a millennial couple who both graduated from top Canadian universities with degrees in finance and statistics. Today, they work as actuaries at major financial institutions — the kind of “high-paying professionals” admired by many.
On the surface, their lives seemed enviable. But in reality, they faced the same challenge many young professionals do: despite their high salaries, their accumulated capital was limited. They knew that relying solely on salaries and traditional investments would make true wealth building difficult.
As they put it:
“If we could use reasonable borrowing to magnify our capital and apply our professional knowledge to ourselves, wouldn’t that help us achieve our goals faster?”
That thought lingered until Chris came across Ai Financial’s investment solutions online. Curious, the couple booked a consultation with an Ai Financial advisor. After an in-depth discussion, they were impressed by AiF’s one-stop asset management approach:
✅ Investment Loan + Segregated Fund: combining steady growth with the power of leverage.
✅ Full professional support: from loan applications to fund allocation, making the process smooth and efficient.
In January 2023, with AiF’s assistance, the couple successfully secured a $100,000 investment loan from B2B Bank and invested it into an IA segregated fund.
Within just a year, the results started to show.
Encouraged by the growth potential, in March 2024 they secured two additional loans — $150,000 from B2B Bank and another $150,000 from Manulife Bank.
Their total investment loan had now reached $400,000.
Two Years Later: The Numbers Speak for Themselves
⏱ Investment period: ~2 years
💰 Total principal (loaned): $400,000
📈 Latest account balance: $521,649
💵 Profit: $121,649
✨ Total return: 30.4%
🚀 Leveraged return: 154.9%
Compared with what they could have earned using only their own savings, the growth was nothing short of a breakthrough.
Chris reflected with a smile:
“Without AiF, we would probably still be worrying about building a few hundred thousand in capital. Now, not only did we earn our first big win, but we also used leverage to accelerate our wealth accumulation.”
During the two years working with AiF, the investment team made two key fund reallocations, based on market trends and future outlooks. These adjustments helped them avoid sector-wide downturns, lock in profits, and demonstrated AiF’s professionalism and forward-looking strategies.
Although they are financial professionals themselves, Chris and Cici acknowledged that AiF’s expertise and focus in asset management provided the edge they needed.
Now, the couple is evaluating a 3:1 investment loan structure to further amplify their leverage and position themselves for the wealth opportunities of the AI-driven era.
Their journey is not just about financial growth — it’s also about a mindset shift:
From cautious first steps,
To confident scaling,
To proactively planning for the future.
This is what Ai Financial’s investment loan + segregated fund strategy makes possible:
👉 Using limited capital to unlock unlimited potential.
👉 Leveraging professional products and services so every hardworking young Canadian can benefit from today’s opportunities.
If you, like Chris and Cici, want to:
✔ Use smaller capital to access bigger growth opportunities
✔ Balance short-term and long-term returns with diversified accounts
✔ Avoid common pitfalls and seize timely opportunities
✔ Have a professional team to review and rebalance your portfolio
✔ Capture the wealth dividends of the future financial markets
Then connect with Ai Financial today — and start building your path to long-term wealth growth.
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