Maximize Your RRSP: A Real Client’s 90% Return with AiF

Insights and Advice

Maximize Your RRSP: A Real Client’s 90% Return with AiF

Jan 31, 2025

Disclaimer: The true examples provided are based on specific historical scenarios and are for illustrative and educational purposes only. Investing with borrowed funds involves high risk and is not suitable for all investors. Market values fluctuate, and you may lose more than your initial investment. Consult with a financial professional before making any investment decisions. Results are not typical and cannot be guaranteed.

As RRSP season begins, many people rush to contribute for immediate tax savings or refunds. However, too often, they overlook RRSP’s true potential—strategic investing and tax deferral, which can build long-term wealth over decades.

One of AiF’s clients, born in the 1970s, transferred $38,000 in Spousal RRSP from a bank to AiF in August 2020. In just 4 years and 5 months, the account has grown to $72,000—earning $34,000 with a total return of 90%. At this rate, it’s set to double in under five years.

Over the past five years, we’ve witnessed market turbulence—four circuit breakers in 2020, the worst market pullback in 50 years in 2022, soaring inflation, aggressive interest rate hikes, and geopolitical conflicts.

Yet, this client stayed committed to AiF’s investment strategy, without hesitation or unnecessary adjustments. As a result, their portfolio is now on the brink of doubling. This showcases AiF’s expertise in navigating complex market conditions.

Beyond their three retirement accounts, this client also entrusts AiF with their TFSA, RESP, and investment loans. Their segregated fund portfolio alone exceeds $1 million with a single insurance company. Many AiF clients have reached similar milestones, securing long-term financial stability.

Our goal is to help individuals and families—whether through personal savings or investment loans—accumulate at least $1 million in investment assets. With time and compound growth, this provides a solid foundation for a secure retirement.

In a world where making money is increasingly challenging and economic uncertainties persist, your financial decisions today will shape your future. Choose wisely.