The document describes the Investors Group Home Equity Diversification Plan, which allows homeowners to access equity in their home to invest for long-term growth. It works by replacing a mortgage with a line of credit that has two sub-accounts - one for the mortgage and one for investments. As the mortgage sub-account is paid down, equity becomes available to borrow from for investing. This strategy aims to maximize net worth over the long run by leveraging home equity for investments. It is best suited for homeowners who want to invest while maintaining their standard of living and have a long time horizon.

1. Home Equity Diversification Plan
Wealth-Building Strategy
grow protect save enjoy sharethe plan by investors group

2. 22

3. The Investors Group Home Equity
Diversification Plan
33 A controllable wealth-building strategy.
33 Creates the ability to increase your net worth.
33 Uses debt effectively.
33 Unlocks real estate equity for investment growth.
33 Ideal for those who want to invest while
maintaining their standard of living.
At Investors Group, we are committed to building
personalized solutions on an individual basis. For over 80
years we have been helping Canadians and their families to
achieve their financial goals. Our clients are not an account,
or a number. They are people, members of our community.
We recognize that your investments are only one component
of your life. That’s why we make financial strategy
recommendations in the context of the rest of your life –
your goals, your concerns, your dreams.
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4. 44
Maximize your net worth while maintaining control of debt
The Investors Group Home Equity Diversification Plan is a borrowing-to-invest
strategy that allows you to gradually unlock real estate equity and redirect
it for investment purposes. It offers an opportunity for an Investors Group
Consultant to help you to build wealth without you committing extra cash,
taking advantage of the potential for long-term investment growth.
It can be ideal for investors who want to invest while maintaining their
standard of living.
How it works...
Each regular mortgage principal payment builds incremental equity in the
real estate it finances. The Investors Group Home Equity Diversification Plan
lets you access this equity every time you make a principal payment. With
the Investors Group Home Equity Diversification Plan, your mortgage is
replaced with an Investors Group Solutions Banking™ All-in-One home-equity
line of credit with two sub-accounts, one for the mortgage and the other for
investment lending. As you pay down your All-in-One mortgage sub-account,
real estate equity becomes immediately available as security for borrowing
on your All-in-One investment sub-account. You then borrow from your
All-in-One investment sub-account to make regular investments into a
non-registered portfolio of mutual funds. Based on the expectation that the
investments purchased will produce some income, interest costs incurred
on the All-in-One Investment sub-account should be fully tax deductible.1
Our philosophy has always
been to craft investment
plans that contain well-
diversified portfolios based
on individual needs.
Everyone can benefit from
sound investment planning.
Whether your goal is to
retire early, provide for
your children’s education,
take that dream vacation
or realign your investment
strategy with your current
lifestyle, you need the
support of a truly effective
investment plan.

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Here’s how an Investors Group Consultant can make it work for you…
The Investors Group Home Equity Diversification Plan allows you to maintain
the same amount of debt while your mortgage is gradually replaced with
a tax-deductible investment loan used to build your investment portfolio.
Flexible mortgage products can make the process simple and automatic.
The benefits of this strategy come from its long-term potential. The compounding
effects of regular contributions can make a substantial difference.
The Investors
Group Home Equity
Diversification Plan
A borrowing-to-invest
strategy that allows you to
gradually unlock real estate
equity and redirect it for
investment purposes.

6. 6
Here’s when it’s ideal for you…
The Investors Group Home Equity Diversification Plan is ideal
when you want to maximize your long-term financial goals. Like all
leveraging strategies, gains and losses are amplified. You will need
to discuss the risks of borrowing to invest with your Investors Group
Consultant and whether it is an appropriate strategy for you.
Generally, the Investors Group Home Equity Diversification Plan
fits those who:
33 Are in their economic growing years (late 30s to early 50s).
33 Have higher incomes and who do not want to increase their
monthly obligations.
33 Have a minimum of 35 per cent equity in their real estate.
33 Have high risk tolerance.
33 Have a long-term investment time horizon (6 years or more).
33 Are comfortable with variable rate debt and can tolerate
short-term market fluctuations.
33 Are disciplined with their money.
Here’s how it matches your risk profile...
The Investors Group Home Equity Diversification Plan lets you
decide how much risk you wish to take and is less aggressive
than other leveraging strategies. The strategy doesn’t require a
large, initial cash commitment. Gradual and regular contributions
let you take advantage of dollar-cost averaging and you can start
younger because you don’t need a mortgage-free home. The longer
investment time frame also provides more time to recover from
market fluctuations and take advantage of long-term compounding
returns. In addition, you can stop the regular investments, if you
decide the strategy is no longer appropriate.
Here’s why it’s the flexible choice…
Because the choice is yours. You can contribute less than the
maximum amount – for example, if your situation would allow regular
investments of $1,500, consider trying half that amount. Choose to
use the tax savings to pay down the mortgage sub-account or the
investment sub-account. Or consider using the strategy for a time
period shorter than your mortgage amortization.

7. The Investors Group Home Equity
Diversification Plan puts you in control
One key advantage of this strategy is the ability
to integrate investments into your overall plan.
Using Symphony™, your Investors Group
Consultant can ensure your investment portfolio
fits your comfort level with market fluctuations.
7
On a 25 year, $150,000 mortgage Home Equity Diversification
could increase a client’s after-tax net worth by more than $75,000†
This graph illustrates the possible growth in after-tax net worth of a client who has invested regularly over a
period of 25 years using this strategy versus an investor who only focused on paying down their mortgage.
† Assumptions– AssumesasimpleannualinterestrateofsixpercentontheAll-in-Onesub-accountsandthealternativemortgageforthelengthofthestrategy(notethattheinterestrateonanInvestors
Group Solutions Banking™ All-in-One Account is variable). The investment sub-account is used to purchase investments at the beginning of each month, starting in the second month. The
annual tax deduction is applied to reduce the balance of the mortgage sub-account, which in turn increases the credit limit on the investment sub-account. The full amount of credit room
is used for each contribution. Tax savings are calculated based on a marginal tax rate of 43.41 per cent. Investment account balances are used after the 25th year to pay out the All-in-One
sub-accounts and deferred tax liabilities. Returns are projected assuming 0.5 per cent from dividends, 0.5 per cent from annual capital gains and 6.5 per cent in deferred capital growth,
for a total compounded return of 7.5 per cent. The value of the home at inception of the projections is $200,000 with a growth rate of 2 per cent per year. The outstanding mortgage balance
is $150,000. The rates of return used in the example are used only to illustrate the effects of the compound growth rate and is not intended to reflect future values or returns on investment.
net worth without the planAdditional net worth using the
home equity diversification plan
1 5 9 13 17 21 25
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
networth
years

8. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Great-West Life Assurance Company. Written and published by Investors Group as a general
source of information only. Not intended as a solicitation to buy or sell specific investments, or to provide tax, legal or investment advice. Seek advice on your specific circumstances from an Investors Group
Consultant. These strategies may involve loans for investing purposes and are based on the assumption that the interest costs are tax deductible for Federal income tax purposes. Borrowing to invest is a long-
term investment strategy and may be more suitable for higher income individuals, may not be appropriate in all circumstances, and is not for everyone. Gains from positive fluctuations in the investment value will
be magnified, but losses from negative fluctuations will also be magnified. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds
are not guaranteed, values change frequently and past performance may not be repeated. The Home Equity Diversification Plan may require converting a fixed rate mortgage into an All-in-One home-equity line
of credit with a variable interest rate, payments will change with movements in interest rates. If interest rates increase, this could result in higher interest costs than otherwise would be payable under an existing
fixed rate mortgage for a given amortization period. Also, pre-authorized contributions made from the investment line of credit should be reviewed regularly in order to ensure that the total debt outstanding does
not increase, and it is recommended that the investments made from the line of credit established for an amount less than the monthly principal payment on the mortgage sub-account to allow some cushion in
the event of interest rate fluctuations.Banking products and services are distributed through Solutions Banking™. Solutions Banking products and services are provided by National Bank of Canada.
™Solutions Banking is a trademark of Power Financial Corporation. National Bank of Canada is a licensed user of these trademarks.
1 Québec residents should note that in calculating Québec provincial income tax, the deduction of investment expenses, including interest, is limited to the amount of taxable investment income reported in the
taxation year from all sources.
Trademarks, including Investors Group, are owned by IGM Financial Inc. and licensed to its subsidiary corporations. © Investors Group Inc. 2013 MP1243 (01/2013)
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Dave Fleischer
Consultant
Investors Group Financial Services Inc.
Tel: (519) 886-2360
Dave.Fleischer@investorsgroup.com
201, 80 KING ST. SOUTH
WATERLOO ON N2J 1P5
Dave Fleischer