As retirement approached, Ms. W wanted to ensure that her savings are enough to support the lifestyle she wanted. She wanted financial independence, the flexibility to support her daughter, and a long-term plan that could give both generations greater confidence about the future.
Ms. W, a healthcare therapist in her 60s, had spent years helping other people. After the pandemic, rising living costs made her look more closely at whether her own retirement savings would support the life she wanted.
Her concern was not only about herself. Her daughter F was just beginning her career, and Ms. W did not want to become financially dependent on her later in life.
Instead, she hoped to remain independent and be able to step in when her daughter needed support.
In 2023, Ms. W attended an Ai Financial investment seminar in Vancouver. The seminar gave her a clearer view of the choices available and the risks that needed to be considered.
After speaking with a Licensed Segregated Fund Agent and reviewing her cash flow, time horizon, and goals, Ms. W decided to begin investing with professional guidance.
In September 2023, she opened two separate non-registered investment loan accounts. She later expanded her strategy in December 2025 through a B2B Bank 3-for-1 loan arrangement that combined $100,000 of her own funds with a $300,000 investment loan.
Ms. W attended an Ai Financial seminar in Vancouver and began reviewing her retirement options.
She opened two separate $100,000 investment-loan accounts.
She continued building TFSA and RRSP investments through iA and Canada Life.
She withdrew $55,688.34 from one non-registered account to help with a vehicle purchase.
She expanded with a $400,000 3-for-1 investment structure.
The following three accounts belong exclusively to Ms. W and reflect her own non-registered investment strategy.
When F began a new job and needed a dependable vehicle for her daily commute, Ms. W was able to use part of her Manulife non-registered investment account to help with the purchase.
Even after the withdrawal, the account remained profitable. For Ms. W, the value of investing was not limited to long-term growth—it also created financial flexibility when her family’s circumstances changed.
A $100,000 investment loan grew by $78,038.08 before borrowing costs.
The account remained profitable after a significant withdrawal for a family need.
A $400,000 portfolio combining $100,000 of Ms. W’s own funds with a $300,000 investment loan.
| Start Date | Loan Source | Fund Company | Own Funds | Loan Amount | Total Investment | Current Value | Withdrawals | Profit | Interest Paid | Return | Net Return | Leveraged Return |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| September 1, 2023 | B2B Bank | iA | $0 | $100,000.00 | $100,000.00 | $178,038.08 | $0 | $78,038.08 | $17,937.50 | 78.04% | $60,100.58 | 335.06% |
| September 22, 2023 | Manulife Bank | ML | $0 | $100,000.00 | $100,000.00 | $105,887.39 | $55,688.34 | $61,575.73 | $17,275.00 | 61.58% | $44,300.73 | 256.44% |
| December 18, 2025 | B2B Bank | Canada Life | $100,000.00 | $300,000.00 | $400,000.00 | $451,138.29 | $0 | $51,138.29 | $6,500.00 | 12.78% | $31,853.72 | 490.06% |
| Total | — | — | $100,000.00 | $500,000.00 | $600,000.00 | $735,063.76 | $55,688.34 | $190,752.10 | $41,712.50 | 31.79% | $117,247.58 | 281.09% |
These accounts were not combined with her non-registered investment-loan results. They provided a separate source of growth and flexibility.
Across two TFSA accounts and one RRSP
Remaining invested balance
Withdrawn from the iA TFSA
20.26% combined registered-account return
| Account | Institution | Holding Period | Amount Invested | Withdrawals | Current Value | Profit | Return |
|---|---|---|---|---|---|---|---|
| TFSA | iA | 1 Yr, 10 Mos, 14 Days | $95,852.05 | $99,981.47 | $22,508.67 | $26,638.09 | 27.79% |
| RRSP | iA | 1 Yr, 7 Mos, 2 Days | $29,900.00 | $0 | $37,657.83 | $7,757.83 | 25.95% |
| TFSA | Canada Life | 11 Days | $50,000.00 | $0 | $51,213.88 | $1,213.88 | 2.43% |
| Total | — | 1 Yr, 3 Mos, 18 Days | $175,752.05 | $99,981.47 | $111,380.38 | $35,609.80 | 20.26% |
At 30, F was at the beginning of her career and facing many of the pressures familiar to young professionals: inflation, a competitive job market, and uncertainty about how quickly she could build financial security.
Watching her mother make deliberate financial decisions gave her a practical example of how planning could change a family’s options.
In July 2024, F obtained a separate $100,000 investment loan from B2B Bank. The funds were invested in Canada Life segregated funds as part of her own long-term plan.
Her latest account update shows $36,555.33 in investment profit. After $11,125 in interest, her net return reached $25,430.33.
B2B Bank
Canada Life segregated funds
After $11,125 in interest
Based on net return relative to interest paid
| Start Date | Loan Source | Fund Company | Loan Amount | Current Value | Withdrawals | Profit | Interest Paid | Return | Net Return | Leveraged Return |
|---|---|---|---|---|---|---|---|---|---|---|
| July 2, 2024 | B2B Bank | Canada Life | $100,000.00 | $136,555.33 | $0 | $36,555.33 | $11,125.00 | 36.56% | $25,430.33 | 228.59% |
Ms. W and F did not share one portfolio. They made separate decisions at different stages of life. What connected them was the experience, confidence, and financial awareness passed from mother to daughter.
Ms. W moved from wondering whether her savings would be enough to building multiple, clearly defined strategies.
Her investments gave her the ability to support F without abandoning her own retirement goals.
F opened her own investment-loan account rather than being folded into her mother’s portfolio.
The most lasting benefit was not a combined return figure, but a stronger approach to planning across two generations.
Ai Financial can help you assess separate strategies for retirement planning, registered accounts, investment loans, and long-term family goals based on your own cash flow and risk tolerance.
Investment loans are not suitable for everyone. Registered accounts, non-registered investing, retirement income, and family support should be assessed independently before they are brought into one broader plan.
See how other Ai Financial clients have approached investment loans, segregated funds, registered accounts, and long-term family planning.
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