Mr. and Mrs. Feng have been borrowing to invest for 4 years with the assistance of AI Financial to an amount over C$1,300,000. They had their first baby at the end of 2017, and at the same time, the family invested C$20,000 for this baby as a birth gift. 

Since the couple has received a well-performed return from their investments, they did not face any financial issues in the past three years even though both of them resigned.

Based on the lowest annual return rate, 12.72%, performed under AI Financial clients’ accounts, the investment plan Mr. and Mrs. Feng did for their child can generate a return up to C$66,228 when the child is 10 years old. After 20 years, the return can reach C$219,306. When their child gets into middle age, 30, the return will be C$720,000 which can meet the down payment requirement for a house. 

C$20,000 is not a lot of money, but it is a good start. With the compounded interest and leverage working on this amount of money, the long-term investment which may last for over 20 years can benefit people a lot, especially newborns.