Investment Returns in Canada

Key Concepts

• Simple interest: Interest paid on the original principal only.
• Compound interest: Interest paid on principal plus previously earned interest.
• Monthly rate vs annual return: A monthly rate (e.g., 1%/month) can be described as a simple annual amount (12%) or as a compounded annual equivalent if interest is reinvested.
• Bank products vs private programs: Banks offer insured savings/GIC products at variable rates; private programs pay based on a contract and are not bank-insured.

Our Passive Income Option (1% Monthly, Simple Interest)

For clients who prefer a fixed return without operating a business, we offer a capital program that pays 1% per month (simple interest). Payouts are scheduled monthly. Terms and conditions are provided in a written agreement before any funds are accepted.

Formula (simple interest): Earnings = Principal × 0.01 × Number of Months

• Example (6 months): If the principal is CAD 50,000 → 50,000 × 0.01 × 6 = CAD 3,000 in total interest paid over six months.
• Example (12 months): 50,000 × 0.01 × 12 = CAD 6,000 in total interest for the year.

How It Works

1. Assessment & onboarding: We verify identity, source of funds, and suitability (KYC/AML requirements).
2. Agreement: Written terms specify amount, schedule, payouts, and early-withdrawal rules (if any).
3. Funding: Capital is deposited via approved Canadian channels.
4. Payouts & reports: Interest is paid monthly with clear statements.
5. Close or extend: At term end, you may withdraw or renew.

Comparing Common Options

• High-Interest Savings / Business Savings: Bank-held, liquid, variable rates. Check your bank’s current posted rate.
• GICs (Guaranteed Investment Certificates): Fixed rate for a fixed term; usually locked in. Check posted rates by term.
• Private Capital Programs (like ours): Contract-based returns; not bank-insured. Terms disclosed in writing; due diligence required.

Note: Actual bank rates change frequently; confirm current rates directly with your bank or advisor.

Compliance, Risk & Transparency

• Regulatory compliance: We complete KYC/AML checks and accept funds via compliant channels only.
• Not bank-insured: Private returns are contractual and are not covered by CDIC.
• Documentation: You receive a written agreement, payout schedule, and periodic statements.
• Taxes: Interest income may be taxable. Please consult a tax professional for your situation.

FAQs

• Is 1% monthly guaranteed? Returns, schedules, and obligations are detailed in a written agreement prior to funding.
• Can non-residents participate? Yes, subject to onboarding, documentation, and applicable rules.
• How do I withdraw? The agreement outlines term length and early-withdrawal conditions (if available).
• Is my capital insured? This is a private program and not bank-insured. We provide transparency and documentation at every step.

Contact us today for a private consultation about passive income and capital placement options in Canada.