Taking You

To New heights

RISK CONTROl

Canada's top-level asset management corporation working closely with the risk management team

Safety control

Four major security mechanisms

Return control

Mature capital markets
 

Access control

Only takes 15 mins to start the investing with us

Financial Business

HRU Financials is a top financial corporation undertaking an international global financial business strategy, selecting the most secure financial solutions, and qualified private placements for investors with a desire to diversify globally through mature capital markets. 

Current Investments

Real Estate

HRU Mortgage Investment Corporation is the headline investment product launched by HRU in 2017. Debentures are collateralized by residential properties located in prime locations of the Greater Toronto Area, Canada to create a well-diversified portfolio.

We allocate our investments in properties with high yield and liquidity, to create a stable financial product that is unique base on our credit-risk assessment.

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).

Trust Companies

We are working with Olympia Trust as our unbiased Trust Administer for HRU (#70987654641) clients'  Registered accounts and CDIC membered Scheduled I Bank for our client's Non-Registered Account. 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 include:

  • MICs

  • Exempt Market Securities

  • Private Mutual Fund Trust Units

  • Private Corporate Debt Securities

  • Private Company Shares (CCPC)

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

$ 100,000

2.0%

4 Years

Annually

35%

$ 2,885

$ 105,358

Mutual fund

Segregated fund

$ 100,000

5.5%

4 Years

Annually

35%

$ 8,358

$ 115,523

Principle

Annualized Return

Term

Compound Period

Tax Rate

Taxation:

Net Value

 

*Sunlife Granite Balanced Portfolio Used

301 - 7300 Warden Ave, Markham, ON L3R 9Z6

Canada

E: info@hrufinancials.com

P: (647)360-8996

F: (647)360-7669

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