Over a decade ago, Leo came to Canada as an international student. After earning a degree in IT, he secured a position at a major tech firm. His income was stable and life was comfortable. However, post-pandemic inflation and rising mortgage costs made him realize the urgent need to grow wealth steadily—to guard against future job risks and ensure a more secure retirement.

💡 That’s when he decided to try a “high-liquidity, passive investment” strategy—letting his money work for him.

After thorough research, Leo partnered with Ai Financial (AiF) in January 2023. He successfully obtained a $200,000 investment loan with:

• No collateral required
• No down payment
• No income or asset proof needed
• Interest-only payments, with lifelong renewability and no requirement to repay the principal

Investment Strategy:

✅ Loans: $100,000 each from B2B Bank and Manulife Bank (total $200,000)

✅ Investment: 100% invested in principal-protected segregated funds (iA & Manulife) to ensure safety and steady returns

✅ Technology: Backed by AiF’s AI-driven portfolio management and big data analytics for efficient capital deployment

✅ Expertise: A team with 25 years of hands-on market experience in North America, with a 10-year average return of 21.6%

As of April 6, 2025:

📈 Investment Principal: $200,000 (fully from loan)

📈 Total Market Value: $250,799

📉 Interest Paid: $32,866

✅ Net Profit: $17,913

📊 True Return on Investment: 54.5%

Even amid the sharp U.S. stock market correction between February and April 2025—especially the 2,200-point plunge of the Dow Jones on April 4, the largest single-day drop since March 2020—Leo’s investment still yielded excellent results.

This is more than just a financial win—it’s a real-world example of what smart planning and professional strategy can achieve with the right partner.