If you are looking to establish yourself in a new country, it is only natural to seek out a solid partner, especially when it comes to administering your banking affairs. That is where PWM Capital comes in as it has all the necessary expertise to facilitate your integration into your new financial environment.

When you opt to do business with PWM Capital, you can count on the expertise and support of a single intermediary who can give you advice and information and accompany you every step of the way as you integrate into Canadian society.

Capital protection: a top priority

The CDN $800,000 you commit for a period of five years is invested in a five-year term note issued by IQ Immigrants Investisseurs Inc., the subsidiary of a Quebec government agency, for the full five years.

Because the term note is guaranteed by IQ Immigrants Investisseurs Inc., you can be secure in the knowledge that your capital investment is backed by the Quebec government.

To meet the government criteria for the Immigrant Investor Program, you must, among other things:

• Have a minimum net worth of CDN $1,600,000, acquired through lawful economic activities, excluding the amounts received by donation less than six months before the date on which the application was filed;
• Have management experience (duties related to the planning, management and control of financial resources and of human or material resources under your authority), for at least two years in the five years preceding the application for a selection certificate, in a legal business (farming, commercial, industrial or professional), or for an international agency, a government or one of its departments or agencies;
• Agree to invest CDN $800,000 over a five-year period through an Authorized Financial Intermediary duly recognized by the Immigration Authorities in Quebec (MICC) and Investissement Quebec (IQ). This investment is fully guaranteed by the Government of Quebec.;
• Declare the intent to settle in the province of Québec.

PWM Capital can help you finance your investment through a major financial institution. For more information, refer to the Advantages section.

As Canada’s largest province accounting for nearly 25% of the national population, Quebec is a dynamic and prosperous society. In addition to the advantages of living in Canada, Quebec offers:

• Fast and efficient process, allowing investors and their families to settle anywhere in Canada;
• A vibrant and rich multi-cultural and religious society creating a unique place to raise families;
• Excellent education system with preferential fees for permanent residents at world-renowned universities;
• Excellent public and private healthcare system;
• Canadian passport is one of the most valued passports for international travel;
• Unspoiled environment with strict environmental controls;
• Comprehensive range of government programs to support business and technological development;
• Close integration with US economic markets and NAFTA.

There are different ways to make the required investment in order to qualify for the Canadian Immigrant Investor Program. Investors can either deposit the full amount (Full Investment), or Finance the required amount (Financed Investment) from a chartered Canadian bank.

Full Investment

The investor deposits the full amount of CDN $800,000. No further payment is required.

After five years, CDN $800,000 is returned to the investor with no accrued interest. (The funds are invested in government bonds during the five-year term.)

Financed Investment

The investor pays a reduced amount*, which is used to finance a CDN $800,000 closed five-year term loan from a chartered bank. No further payment is required. However, the paid amount is not returned to the investor at the end of the five-year period.

This option is particularly attractive for applicants seeking to retain maximum capital for investment in ongoing business operations.

Open the door to a new world… Canada

A model of diversity, Canada celebrates the advancement of ethnic, religious and cultural freedom, and with it, the freedom to pursue – and realize – one’s dreams. Canada is also one of the G7 countries that invest the most in education. A guarantee of success, the Canadian university diploma is recognized world-wide, and opens the door to a successful career.

Canada is among the world’s leading economies, consistently ranking in the top tier in terms of trade and expansion outlooks. The range of industries it excels in is an apt reflection of the country’s diverse character, as Canada continues to set the standard and attract top talent in aerospace, agrifood, information and communication technologies, life sciences and chemical products, to name a few.