CareVest

Mortgages as Investment

For any investment or RRSP/RRIF/LIRA portfolio, mortgage investments are a great alternative to traditional fixed income options such as bonds or GICs. Mortgage investments through CareVest are short-term and provide superior returns. All investments are secured by real property and pay monthly income.

For those investors looking to diversify from stocks and bonds, investments from CareVest Capital offer the above average returns associated with real estate and the knowledge that your money is backed by real property.

Benefits of CareVest investment options are:

Returns that average 9.0% and better
Liquidity under certain terms
Real estate security
Monthly income
Low volatility
Professional management
RRSP/RRIF eligible
Diversification
Compounding Available

How a mortgage investment works

A "private" mortgage is funded by an individual investor or by a group of investors instead of a bank or trust company. Interest paid by the borrower becomes income for the investors. Private mortgage lenders have the same legal security in a mortgage as banks and other institutional lenders do. As with bank mortgages, all documentation, security registration and disbursement of funds are prepared and handled by a lawyer.

Investors have 2 ways to invest with CareVest in mortgages:

Mortgage Pool
Specific Mortgage Syndication

Mortgage Pool

Investors "pool" their money by buying shares in a company called a Mortgage Investment Corporation (MIC). MICs are companies organized for investors to invest in pools of mortgages. Profits generated by MICs are distributed to its shareholders according to their proportional interest. Similar to a mutual fund, a MIC provides a convenient way to diversify a portfolio of investments; in this case mortgages instead of stocks or bonds. UNLIKE most mutual funds, your money is secured by real estate which is not generally influenced by the volatility of the stock market.

The investor in a MIC earns a blended rate of return based on the interest earned from each respective mortgage. The pool is continuously managed with new mortgages replacing mortgages that mature. A MIC is for those investors who want a rewarding yet effortless investment. Your income is deposited directly into your account and a monthly statement keeps you up to date on your investments.

CareVest MIC's have many great features:

Features		Benefits
You own an interest in several mortgages	<->	Diversification
The pool is managed by experts	<->	Convenient
The MIC distributes income monthly	<->	Regular income
No minimum-hold period	<->	Liquid
RRSP/RRIF Eligible	<->	Tax Free Growth
Real estate security	<->	Low volatility

CareVest also offers investors the opportunity to further customize their returns by offering the investment choice of our 1st mortgage, 2nd mortgage and Blended mortgage MICs.