Investment loan
With the investment loan, you can invest from day one. The leverage effect of the loan can multiply your return and achieve superior performance compared with a conventional savings strategy.
The benefits
of investment loan
- Deductible interest on non-registered investments
- No margin call loan
- No collateral required
- Tax benefits on disbursement
- Optimum strategy for real estate investors
- Preserve your savings for other types of investment
- No-down-payment financing
Invest now with solid financial institutions
- In terms of investment portfolios, we offer MAWER, Dynamic, Fidelity and Blackrock funds.
- We work in partnership with IA Financial Group, National Bank, Manulife Bank and B2B Bank for financing.
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Comparative study
TRADITIONAL SAVINGS
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INVESTMENT LOAN
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For the investment loan example, we have projected an annual interest payment of $4700, corresponding to a prime rate of 3.95%+0.75%. Bear in mind that in this example, if interest rates rise, this will have an impact on the profitability of the investment loan.
Note: It’s important to remove the $100,000 initially borrowed, so the result for the loan is $762,000.
When disbursed, the investment loan will be taxed as a capital gain, so you pay half as much tax as an RRSP, which is added directly to your 100% taxable income.
Advice according to
Your needs
A 30-minute appointment to answer all your questions!
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Is this strategy right for you ?
- You are comfortable with risk
- You have no fear of taking out a loan to buy securities whose value may go up or down
- You invest for the long term
You shouldn't borrow to invest if:
- Your risk tolerance is low;
- You invest for the short term
- You intend to use the income from your investments to pay your living expenses or repay your loan
- If this income stops or decreases, you may not be able to repay your loan.
You could loose some money :
- If you have borrowed to invest and your investments lose value, your losses will be greater. than if you had invested your own funds.
- Whether or not your investments are profitable, you will still have to repay your loan and the interest.
- Even if the value of your investments increases, you may still not realize sufficient gains. to pay off your loan.
- Should the investment decrease by more than 20%, an additional principal repayment of $417 per month will be added to the monthly payment for each $100,000 loan.
The implementation of an investment loan strategy is carried out by our licensed financial security advisors. Investment will be made in a segregated fund account
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Get advice from our advisors
A free, no-obligation meeting!
- 9:00 - 16:00
- Closed