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RISK CONTROl
Canada's top-level asset management corporation working closely with the risk management team
Safety control
Four major security mechanisms
Adheres to Canadian Securities Law standards
Return control
Mature capital markets
Consistent investment return
Access control
Minimum investment amount $10,000
Only takes 15 mins to start the investing with us
Global Financial Business
HRU Financials is a top financial institution undertaking an international global financial business strategy, selecting the most secure financial solutions, and quality private placements for investors with a desire to diversify globally through mature capital markets.
HRU Financials' professional management team have worked at Fortune 500 Financial Institutions, and have decades of experience in investment and asset management, as well as with industry-leading financial technology (Fintech). Through their mobile devices, investors can quickly and easily get real time updates on the most up to date financial products and services we offer.
Current Investments
Real Estate Secured Series
Real Estate Secured Series is the headline investment product launched by HRU in 2016. Debentures are secured by residential properties located in prime locations of the Greater Toronto Area, Canada to create a well-diversified portfolio.
We allocate our investments in secured properties with high yield and liquidity, to create a stable financial product that is unique base on our custom credit-risk assessment model.
-Total transactions-
-Accumulated turnover-
*The above data is obtained from HRU Financials operating report, used for reference only (Jan 2020).
Investment Model
What is a MIC?
A mortgage investment corporation or MIC is an Investment and Lending Fund designed specifically for Residential Mortgages in Canada.
Investing in a MIC enables you to invest in a managed and diversified pool of mortgages. Shares of a MIC are Qualified Investments under the Income Tax Act (Canada) for Registered Tax Accounts, including RRSP, RRIF, TFSA, and RESPs. Profits generated by MICs are distributed to its Investors according to their proportional interest. The mortgages are secured on real properties, often in conjunction with other forms of security such as: personal guarantees, blanket security agreements, and assignments of material contracts (i.e. insurance policies prepared by lawyers for the MIC).
TD Canada Trust and Olympia Trust have been selected to provide and act as an unbiased Trust Administer for HRU (#70987654641) clients' Non-Registered and Registered accounts. They do not sell or promote any investment offerings. They are here to assist investors by holding investor funds and securities in trust, processing investment transactions as instructed, assuring investment compliance, issuing tax documentation, and record keeping.
A Trust Company is a corporation, especially a commercial bank, organized to perform the fiduciary of trusts and agencies. Trust Company administer several types of investment plans, including RRSP, TFSA, RRIF, RESP, LIRA, and LIF, as well Non-Registered Individual, Joint, and Corporate accounts.
Investments allowed to be held in our plans include:
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MICs
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Exempt Market Securities
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Private Mutual Fund Trust Units
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Private Corporate Debt Securities
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Private Company Shares (CCPC)
Trust Companies
GIC
Guaranteed Investment Certificate
Principle
Annual Dividend Rate
Term
Compound Period
Tax Rate
Taxation:
Net Value
*EQ Bank 4 Years Term GIC Rate Used
$ 100,000
3.5%
4 Years
Semi-Annually
35%
$ 5,053
$ 109,384
HRU MIC
Mortgage Investment Corp
Principle
Annual Dividend Rate
Term
Compound Period
Tax Rate
Taxation:
Net Value
*HRU MIC Consistent Interest Used
$ 100,000
8.5%
4 Years
Monthly
35%
$ 14,114
$ 126,212
bond
canada federal bond
Principle
Bond Yield
Term
Compound Period
Tax Rate
Taxation:
Net Value
*Canada 4 Years Bond Yield Nov.2018 Used
Mutual fund
Segregated fund
$ 100,000
5.5%
4 Years
Annually
35%
$ 8,358
$ 115,523
$ 100,000
2.0%
4 Years
Annually
35%
$ 2,885
$ 105,358
Principle
Annualized Return
Term
Compound Period
Tax Rate
Taxation:
Net Value
*Sunlife Granite Balanced Portfolio Used