客户故事
越早开始投资越好：预算不够如何投资理财
客户Jessica，五大行职员的经验
Client Story
Investing should be done early : How to invest and manage your finances when your budget is tight.
Jessica，Top 5 banker
基本信息
Jessica 7年前赴加拿大求学，从Western University Ivey商学院毕业后，搬到多伦多并进入五大行之一工作。目前，Jessica和宠物狗momo住在dt的一间studio。
财务状况
税后收入$3600+/month
房租$1300，无车，无额外收入
学生贷款$10,000（已还清）
消费习惯
房租一半由家庭资助
习惯超前消费，经常刷爆信用卡
正在考虑通过副业增加收入来源
需求
科学的理财结构
为将来存钱
希望尽快财务独立，不依靠父母
概要
2020年上半年，Jessica偶然参加了一次AI Financial每周四的讲座直播，之后断断续续通过2个月的了解和检索，6月和AI Financial的顾问取得联络。
Jessica的要求非常明确：
“我想开始存钱，但我不想存在GIC，真不知道买什么好。”
“我相信你们的产品，可是我没有钱，又不想真的等30年才能赚到钱。”
截至2023年1月，我们为Jesscia建立了一个长期储蓄账户，并通过贷款实现快速盈利。
困难
Jessica希望做投资贷款资格的评估，想看看自己的贷款能力。但是在评估后我们立刻发现，Jessica的信用分数不足最低要求的680分。梳理后得知，她有两笔大额信用卡欠款，并且只持有所供职银行的信用卡，名下没有车贷，房贷或其他贷款，综合导致信用分数过低。
同时，我们建议Jessica开设一个PAD(定投)TFSA账户，每月供款$500，刚好满足TFSA的每年额度，并且不要轻易挪用这部分资金。
解决
处理掉信用卡欠款后，在8个月时间里，Jessica还清了学贷，并根据AI Financial顾问的建议有意识地培养信用分数。
如何培养信用分数：https://www.aifinancial.ca/zh/creditscore/
21年上半年，Jessica成功获批$140,000投资贷款，正式开启杠杆投资之路。
投资方向
在定投部分，AI Financial为Jessica选择了指数型保本基金，例：包含高科技板块的U.S. DAQ Index。
贷款部分，Jessica承受风险能力较高，并且短期内没有取钱的计划，除了高科技，还为她配置了部分Health Care方向基金，以及部分Fidelity Global Innovators。
22年初，Jessica贷款账户盈利近23%，她取出部分盈利，用于本年的部分利息支出。
22年大盘下跌，Jessica账户浮亏在12%左右，她决定暂时不取钱，并保持定投金额不变。
2023年
为了长期储蓄，Jessica23年开始为RRSP供款，但不用于退税，她准备将这些额度留到将来工资达到更高税阶时使用。同时，贷款投资产生的利息也可用于抵税，Jessica近几年无需担心税务问题。
为什么选择AI Financial？
· 我认可给我选的基金和整个策划，而且是可以看到的确有收益的。我不是很担心浮亏，就像你们说的，市场一定是会永远在上升中的
· 几个顾问都有问必答，非常坦诚
· 我的顾问和我一样比较年轻，很多事情可以感同身受，讲的东西也比较接地气
Basic Information
Seven years ago, Jessica came to Canada to pursue her studies. After graduating from the Western University Ivey Business School, she moved to Toronto and started working at one of the big five banks. Currently, Jessica and her pet dog Momo live in a studio apartment in downtown Toronto.
Financial Situation
After-tax income of $3600+/month
Rent $1300, no car, no additional income
Student loan $10,000 (already paid off)
Spending Habit
Half of the rent is subsidized by family.
Has a tendency to overspend and frequently maxes out credit cards.
Currently considering a side hustle to increase income.
需求
Scientific financial structure
Save money for the future
Hope to achieve financial independence as soon as possible, without relying on parents.
Summary
In the first half of 2020, Jessica accidentally attended an AI Financial webinar on Thursdays, and after two months of research and inquiries, she contacted an AI Financial advisor in June. Jessica’s request was very clear: “I want to start saving money, but I don’t want to put it in GICs, and I really don’t know what to buy.” “I trust your products, but I don’t have money, and I don’t want to wait 30 years to earn it.”
As of January 2023, we have set up a long-term savings account for Jessica and achieved quick profits through loans.
Challenges
Jessica requested an assessment of her eligibility for investment loans, hoping to see her own loan capacity. However, after the assessment, we immediately found that Jessica’s credit score did not meet the minimum requirement of 680. After sorting out the details, we learned that she had two large credit card debts and only held a credit card from the bank where she worked. She had no car loans, mortgages, or other loans, which led to a low credit score.
At the same time, we suggested that Jessica open a PAD (Pre-Authorized Deposit) TFSA account and make monthly contributions of $500, which exactly meets the annual limit of TFSA, and not to use this part of the funds easily.
Solution
After paying off her credit card debt, Jessica cleared her student loan within 8 months and conscientiously worked to improve her credit score based on the advice of the AI Financial advisor.
How to build credit score：https://www.aifinancial.ca/zh/creditscore/
In the first half of 2021, Jessica was approved for a $140,000 investment loan, officially starting her leveraged investment journey.
Investment Direction
In terms of dollar-cost averaging, AI Financial selected index-based guaranteed funds for Jessica, such as the U.S. DAQ Index which includes the high-tech sector.
For the loan portion, Jessica has a relatively high risk tolerance and has no plan to withdraw money in the short term. In addition to high-tech investments, she was allocated to some healthcare sector funds and Fidelity Global Innovators.
At the beginning of 2022, Jessica’s loan account earned nearly 23% profit, and she withdrew some of the profits to cover some of the interest expenses for the year.
In 2022, the market fell sharply and Jessica’s account was down by about 12%. She decided not to withdraw money temporarily and keep the amount of her regular investments unchanged.
2023
Starting in 2023, Jessica began contributing to her RRSP for long-term savings, but not for the purpose of claiming a tax deduction. She plans to leave the contribution room for when she reaches a higher tax bracket in the future. In addition, the interest generated from her investment loans can also be used for tax deduction, which means Jessica doesn’t have to worry about tax issues in recent years.
Why do you choose AI Financial？
· I endorse the funds and overall plan that were selected for me, and it’s evident that there are returns. I am not very worried about the unrealized losses, as you all said, the market will always be on the rise.
· All the advisors are very responsive and honest.
· My advisor and I are both relatively young, so we can empathize with each other, and the things they talk about are more down-to-earth.
Investment NOW
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