客户故事
未雨绸缪，计划未来：尽早开始投资
客户Mrs. Chang，会计员
Client Story
Be prepared for the future and plan ahead: Start investing early.
Mrs. Chang，Accountant
基本信息
一家四口，中年夫妻，孩子一个5岁，一个7岁。
财务状况
家庭收入15万，
房贷$4000每月，
有车，无车贷。
消费习惯
给孩子报学习班，
每月固定存储一定金额。
需求
稳定的收益，
给孩子上大学，
为退休做好准备。
概要
Mrs. Chang 希望能够实现稳定的收入，让孩子上大学，还要计划为退休生活储蓄一定金额。她的目标明确，想要透过投资够获得长期的稳定收益，实现以上的目标。
目前，Mrs. Chang 已通过投资贷款35万，从中取出数千刀盈利。
困难
Mrs. Chang 在2020年时，因为对原经纪经常不接电话感到不满意，之后决定将RRSP和RESP转给 AI Financial 管理。后来了解Investment Loan之后，发现自己负债比不符合要求，无法申请贷款。
解决
和 AI Financial 的投资顾问咨询后，Mrs. Chang 发现自己负债比不符合要求，经过一年多的经营，2022年申请并审批了35万贷款。之前自己用来炒股的TFSA，还有 RRSP 和 RESP，现也交由我们打理。
投资方向
通过KYC，发现客户风险承担能力中等，偏向于保守型投资策略，同时，Mrs. Chang非常看好美国经济发展，这与 AI Financial 的投资理念不谋而合。综合客户本人意愿，及专业投资人的建议，在大盘指数之外，为他配置了部分 ESG 的 Fidelity Climate Leadership Balanced 和 American Growth，中和风险。
2023年
Mrs. Chang在2022年低位盘整期进入市场，到2022年底，盈利近5%。而根据AIF的历史表现，孩子成年时有可能获得百万资金，支持他们在人生初期走的更顺利。如果孩子不想靠父母，这笔钱也能让夫妻俩轻松退休。
为什么选择AI Financial？
· 之前试过很多不同的投资顾问，都不靠谱，亏的比赚的要多，但 AI financial 给我的收益就好很多。
· 他们的顾问专业，可靠，随时都能解答我的问题。
· 真的能做到他们说的持续稳定盈利。
Basic Information
Middle-aged couple with two children. One child aged 5 and another aged 7.
Financial situation
Yearly household income of $150,000;
Monthly mortgage payment of $4,000;
Owns a car without loan.
Spending Habits
Enrolls the children in extracurricular classes and activities, Saves a certain amount of money each month.
Needs
Stable income, sending children to college, and preparing for retirement.
Summary
Mrs. Chang hopes to achieve a stable income to allow her children to attend college and plan for retirement savings. Her goals are clear: she wants to invest to achieve long-term stable returns to achieve these objectives.
Currently, Mrs. Chang has obtained a profit of several thousand dollars by investing 350,000 dollars through a loan.
Challenges
In 2020, Mrs. Chang became dissatisfied with her previous broker’s unresponsiveness to phone calls and decided to transfer her RRSP and RESP to AI Financial for management. Later, she learned about loans and realized that she did not meet the debt-to-income ratio requirement and was unable to apply for a loan.
Solution
After consulting with an AI Financial advisor, Mrs. Chang found that her debt-to-income ratio did not meet the requirements for applying for a loan. After more than a year of management, she applied for and was approved for a loan of $350,000 in 2022. She previously managed her own stocks using TFSA, as well as RRSP and RESP, which are now also being managed by us.
Investment direction
Through KYC, it was found that the client has a medium risk tolerance and prefers a conservative investment strategy. At the same time, Mrs. Chang has a positive outlook on the development of the US economy, which is in line with AI Financial’s investment philosophy. Taking into account the client’s wishes and professional investment advice, a portion of the Fidelity Climate leadership Balanced and American Growth ESG funds were allocated, in addition to the market index, to mitigate risk.
2023
Mrs. Chang entered the market during a period of consolidation at a low point and by the end of 2022, she had made a profit of nearly 5%. Based on AI Financial’s historical performance, her child may have the potential to receive a million-dollar fund when they reach adulthood, supporting their early life journey to be smoother. If the child does not want to rely on their parents, the money could also enable the couple to retire comfortably.
Why do you choose AI Financial？
· I’ve tried many different investment advisors before, but they were unreliable and I lost more than I gained. However, AI Financial has given me much better returns.
· Their advisors are professional, reliable, and always available to answer my questions.
· They really can achieve the sustained and stable profits they claim.
Investment NOW
You deserver a better life
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