客户故事
不被束缚的人生：制定周详的计划
客户Max，大厂程序员
Client Story
Unrestricted Life: Making Detailed Plans.
Max，Programmer
基本信息
Max一家移居加拿大20余年。Max多大毕业后成为了一名程序员，如今已是小组的leader。目前，Max与妻子住在父母的house里，并于2021年底喜添贵子。
财务状况
个人税后收入$6000+/month
车贷$700/month
消费习惯
除了日常开支以外，大部分都会存储起来，然后拿去投资。
需求
为孩子的将来存钱
换一栋大些的house，方便全家住在一起
概要
Max从2018年开始，通过 AI Financial 的线上投资课学习投资知识，并且通过实操盈利。2020年初，申请并获批40万贷款。
2021年，Max已通过投资的盈利购买了楼花。
困难
2018年时，经过初步咨询，AI Financial 了解到Max的需求是想买一栋新房，但又不想依靠父母的帮助。
解决
Max原来的计划是2年内买房，AI Financial 建议Max先投资，再买房。
经过我们的投资建议，Max在2021年取出5万多的投资盈利购买了楼花（投资房），并暂缓了自己的自住房购房计划，他认为金融投资可以带来更好的收益，房子并不是目前的必需品。
而且，Max供职的公司福利较好，他根据我们的建议，更换了RRSP的投资产品，配合投资贷款的利息，每年省税约$4500。
投资方向
AI Financial 为他先后配置了U.S. Equity，U.S. DAQ Index（高科技）及Global Opportunity。Max将储蓄的15万一起用于基金投资。到2021年底，全部盈利超过40万。
2023年
Max希望能够继续透过 AI Financial 获取专业投资指导和支持，帮助他更好地把握投资机会，实现更好的投资回报。同时，他希望能够尽快实现财务自由，过上更加舒适和幸福的生活，并且为自己和家人创造更好的未来。
为什么选择AI Financial？
· 透过他们的线上讲座学习到很多投资知识，我相信 AI Financial 的投资能力。
· 我觉得 AI Financial 的投资团队经验丰富，能够提供专业的投资建议和指导。
· 多年来的投资回报有目共睹，我非常信任 AI Financial 能继续帮我带来更好的收益。
Basic Information
Max and his family have been living in Canada for over 20 years. After graduating, Max became a programmer and is now a leader of a team. Currently, Max and his wife live in his parents’ house and welcomed a new child at the end of 2021.
Financial Situation
Personal after-tax income of $6000+ per month
Car loan of $700 per month
Spending Habits
Apart from daily expenses, most of it is saved and then invested.
Needs
Saving for children’s future
Buying a bigger house to accommodate the whole family living together.
Summary
Since 2018, Max has been learning about investment knowledge through AI Financial’s online investment courses and making profits through practical operations. In early 2020, he applied for and was approved for a loan of 400,000.
In 2021, Max has used the profits from his investments to purchase a pre-sale property.
Challenges
In 2018, Max’s requirement was to buy a new house without relying on his parents.
Solution
Max’s original plan was to buy a house within 2 years, but AI Financial advised him to invest first and then buy a house. Following our investment advice, Max withdrew more than $50,000 in investment profits in 2021 to purchase pre-sale property. He has postponed his house-buying plan for now, believing that financial investment can bring better returns and that a house is not currently a necessity.
In addition, Max’s company offers good benefits. He followed our advice and switched to a different investment product for his Registered Retirement Savings Plan (RRSP), which, combined with the interest on his investment loan, saves him about $4,500 in taxes each year.
Investment Direction
AI Financial has allocated U.S. Equity, U.S. DAQ Index (High Tech) and Global Opportunity for him. Max used the savings of 150,000 yuan for mutual fund investment. By the end of 2021, the total profit exceeded 400,000 yuan.
2023
Max hopes to continue to receive professional investment guidance and support from AI Financial, helping him better seize investment opportunities and achieve better investment returns. At the same time, he hopes to achieve financial freedom as soon as possible, leading a more comfortable and happy life, and creating a better future for himself and his family.
Why do you choose AI Financial？
· Through their online seminars, I have learned a lot about investing and I trust AI Financial’s investment capabilities.
· I believe that AI Financial’s investment team is experienced and able to provide professional investment advice and guidance.
· The investment returns over the years speak for themselves, and I have great trust in AI Financial to continue to bring me better returns.
Investment NOW
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