What is investment loan?

A finance leverage with low interest rate only available for Canadian. Through wisely investing strategy, you can achieve financial freedom quicker than you think.

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How does investment loan work?

How does loan work

Benefits of Investment Loan

With investment loan, you can……

1. Fast forward your savings

own money vs. investment loan

With a traditional savings plan, only the investment you make in the first year will have the full 20 years to grow. Each subsequent year, the amount you contribute will have less time to grow.

If you invest $10,900 annually for 20 years, with 17% return rate, you can get around $200,000 after 10 years; at the 15th year, your invest would reach $715,572。

However, if you made an interest-only annual payment of $10,900 toward a $200,000 investment loan, the entire loan amount could benefit for the full 15 years, and save 10 more years than invest with your own money.

After 15 years, your investment will worth $2,107,744 (include the $200,000 loan), which is $1,392,172 more than the traditional savings plan.

2. Investment lending

Investment lending

A financial strategy that can for the right investor, help achieve your financial planning goals sooner by making a larger initial investment.

A way for investors to potentially grow their investment portfolio faster than traditional saving alone.

Investment loans can be a suitable tool to help with longer-term savings goals or to supplement RSP and government pensions in retirement.

3. Maximize your wealth

Generally speaking, interest paid to borrow money to earn investment income is tax-deductible. For example, if you borrowed $200,000 at 5.45% to invest, your annual interest expense would be approximately $10,900. All else being equal, taking the $10,900 deduction would yield a potential tax savings of $4,731.

From the above data, it can be seen that the interest paid each month is much lower than the nominal interest rate after tax deduction.
For high-income groups, the actual interest payment can even be halved.

How much do you need to invest today to match your financial goal?

Speak with an advisor today!

INVESTMENT LOAN STORIES

Read how other Canadians have used an investment loan to achieve their goals.

Any Questions?

P+0.75%, 5.45% until Jul 20 2022.

You pay interest only. For example, if you borrow $100,000, you only need to pay $454 per month.

It depends on personal financial situation, such as your assets, income and liabilities.

Yes, you can view your investment account (the account where your loan proceeds are invested) online under our admin's instruction. Only with your authorization, we can manage the account for you. The account security is guaranteed by funds company.

All the loan come from formal banks like National Bank、B2B Bank、Manulife Bank etc. All the money will directly transfer into clients' own account that opened with those banks.

AI Financial doesn't provide private loan services.

You can withdraw the investment profit at any time you want. There is no lock period of withdrawing.

You can withdraw 10% of currently market value without any charge back.

Invest NOW

The best time to plant a tree was 20 years ago. The second-best time isnow.