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Can Non-Residents Invest in Segregated Funds in Canada?｜Hazel’s Journey with Ai Financial

Sep. 19, 2025

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The protagonist of this story is Hazel — a mother who came to Canada to accompany her daughter during her studies.

Her investment journey is one that many families may resonate with.

Back in 2020, before the pandemic, Hazel arrived in Canada to support her daughter’s education. She often wondered:

“The money I bring for my daughter’s tuition and living costs earns almost no interest sitting in the bank. It keeps losing value. Since we are already in North America, how can we take advantage of the financial opportunities available here?”

Fortunately, in 2020 she attended an online investment seminar where Ai Financial’s CEO, Mr. Feng, shared the firm’s system of stable, long-term returns and its one-stop asset management service using segregated funds. Inspired, Hazel began following Ai Financial’s weekly seminars, learning strategies, products, and market outlooks.

Step 1: Her Daughter’s First Attempt

In March 2020, the U.S. stock market experienced four historic trading halts. But Hazel, already convinced about the direction of investing, took her first step later that year.

  • Nov 2020: Opened a non-registered account for her daughter Zia, investing CAD $16,000.

  • Feb 2021: Added another CAD $6,000.

  • Mar 2025: After the rare 2022 market downturn, she invested another CAD $30,000, even after a sharp correction in April.

Total invested: CAD $52,000
Balance as of Sept 2025: CAD $73,834
✅ Profit: CAD $21,834
✅ ROI: 42%

Hazel reflected:
“At first, I just wanted to try it out. I didn’t expect the results to be this good. Even with the volatility after the pandemic, my account kept growing. I realized that if money is invested in the right place, I don’t need to panic — staying invested pays off.”

Step 2: Moving Forward After Her Daughter’s Graduation

On Feb 21, 2024, Hazel opened a TFSA account for her now-graduated daughter:

  • Invested CAD $28,000 into TFSA

  • Balance as of Sept 2025: CAD $38,042

✅ Profit: CAD $10,042
✅ ROI: 35%+

Hazel shared:
“Seeing the funds I set aside for my daughter’s education not only preserved but growing gave me a strong sense of security. With her future more assured, I thought — shouldn’t I also prepare for my own future?”

Step 3: Hazel’s Own Leap of Faith

Encouraged by her daughter’s account performance, Hazel made her boldest decision yet.

On Feb 26, 2024, as a non-resident of Canada, she opened her own non-registered account and invested CAD $50,000 into a Canada Life segregated fund.

  • Mar 25, 2025: Added another CAD $70,000.

Total invested: CAD $120,000
Balance as of Sept 2025: CAD $142,187

✅ Profit: CAD $22,187
✅ ROI: 18%+

Hazel recalled:
“At first I was hesitant, worried I might lose money. But when I saw steady growth even during market swings, my confidence in Ai Financial grew. I added more because I realized — this is about securing my family’s financial future.”

✨ The Results: Three Accounts, Three Growth Stories

  • Daughter’s non-registered account: 42% ROI

  • Daughter’s TFSA account: 35%+ ROI

  • Hazel’s non-registered account: 18%+ ROI

Over five years, Hazel invested CAD $200,000 across three accounts.
With Ai Financial’s segregated funds + registered and non-registered accounts + professional asset management, she achieved:
✔ Principal protection
✔ Steady growth
✔ Controlled risk

Hazel’s Reflection

“I used to worry most about losing money. Now, I’ve learned how to let my wealth work for me with the help of a professional team. While my daughter excelled academically in Canada, I also gained a sense of financial security I never had before. I’m grateful to this inclusive country for giving my family new opportunities, and to Ai Financial for showing me how to grow and protect my assets.”

As a non-resident and mother supporting her child’s education, Hazel discovered that:
✔ It’s possible to leverage North America’s advanced financial markets
✔ Multi-account planning balances short- and long-term growth
✔ Professional support helps avoid pitfalls and seize opportunities

Ai Financial is here to help more families like Hazel’s build long-term financial security through segregated funds and strategic investing.

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