The RRSP Secret

Have you really taken a good hard look at your retirement funds? Do you know how your investments are doing? The reality is most people rely on an Advisor or even someone at their place of employment to “pick” what’s right for them. Is this not a scary thought? I made a decision a few years ago to take control of my investments after losing “lots” in the stock market. On top of that my “safe investments” in mutual funds were a little too safe and were not even keeping up to the cost of living. If the cost of living goes up by 2.5% and your investments are making 2.5% (assuming after management fees), you’re really earning zero. To me this just wasn’t acceptable, nor should it be.

That’s when I discovered a secret.

Most people don’t realize that you can invest your RRSP, TFSA, LIRA, RESP, etc. into mortgages. In other words you can use your registered plan funds to do what the banks do. Would you agree that the banks earn a big profit from mortgage portfolios? Would you agree that real estate unlike some stocks will never go to the value of zero?

Of course you can invest in second mortgages with client profiles that may be less then perfect (which can also be very lucrative and secure). But what if you could do the same thing with blue chip real estate builders and developers? You can! This is very exciting to me! Imagine instead of investing in paper, you could invest in a project that you can drive by. A project that you can see in motion, something tangible. What if I said that your individual name was registered on title to the land proportionately for your entire principal investment? What if I said that there was an interest reserve fund held in trust by an arm’s length facilitator? I challenge you to find something more secure then this. Oh, I almost forgot, the terms are typically 3 to 5 years, and the return would be 8% per year paid monthly with an opportunity for a deferred bonus of an additional 10 to 14%! Sound too good to be true? It’s not.

2013 is just underway. Why not take a few minutes to explore this opportunity I can share with you. There are no management fees, you don’t pay me a cent. If you don’t take the time to better your future who will?

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