Didn't find what you want?

Answers May Be Here

Explore the questions you may ask, and learn how AI Financial help you reach your financial goals.

Didn't find what you want?

Answers May Be Here

Explore the questions you may ask, and learn how AI Financial help you reach your financial goals.

What can AI Financial do for me?

We don't charge any fee from clients. We earn commissions from fund companies and market. AI Financial and clients are a community of shared interests. Only when clients make money from the market can our company make money.

We select fund products from major fund companies, which means essentially operating stocks indirectly. These funds come from large fund companies, such as iA, Manulife, etc.

We build our own high-quality fund library. All funds are selected in the following order to ensure sustained and stable profitability.

  1. Research and select the stock portfolios of high-value leading companies
  2. Select all funds containing these stock portfolios in fund companies and put them into the AI ​​Financial screening system
  3. Investigate and research the value conception system of fund managers, and exclude who do not have the correct world outlook, outlook on life, values and are inconsistent with AI Financial's principle.

In all investment processes, AI Financial does not directly handle client funds. Regardless of whether it is a loan or own funds, they directly go to client's own accounts and directly purchase the funds recommended by us.

Clients can log in online banking at where they have opened an account at any time to check the capital flow and balance. We can't do anything to clients' money without their permission.

At the same time, we control the risk by purchasing segregated funds, which contain capital protection function through insurance companies .

We do not charge any fee, while you need to ask your financial company if they charge any fees for the transfer.

TFSA、RRSP、RESP、NON-REGERSTED、LIRA、LIF and more.

No.
Although we choose funds in roughly the same direction, we will adjust them according to the different circumstances of each client.

What is investment loan?

Endorsed by government and dedicated to investment. Government endorse the investment loan project to be supplement the pension plan.

Canadian residents, credit score higher than 680, have income for more than 2 years, better have certain assets.

No collateral, no guarantee, only interest, no principal.

Now get $100,000 investment loan, you only need to pay back interest of $267 per month, no need to repay the principal every month.

The investment loan is endorsed by government and borrowed from big banks. The money does not enter our company account, but enter your accounts in big fund company directly. We choose segregated fund, which involved insurance company to protect your capital. 

We are only involved in management, and the money is in big fund company. Your money is very safe.

P+0.75%,  3.2% right now. Which means if you get $100,000 investment loan , you need to pay $267 per month.

You pay interest only. For example, if you borrow $100,000, you only need to pay $267 per month.

The term is 20 years, it is an open term, you can repay anytime without charge.

No,  the investment loan will not affect mortgage application. 

Yes.

 

If the profit higher than 10%, you can take 10% of the total. If the profit is less than 10%, you can withdraw all the profit.

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

Why segregated fund?

All costs are included in the fund management fee MER, and there are no additional costs.

 

What appear on website is the final return rate, and the management fee MER has been excluded.

In addition to the characteristics of the investment itself, the segregated fund also has the benefits of principal protection, debt collection avoidance, and designated beneficiaries.

Still have questions?

Contact us for more information, we are available 7 days a week.