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.

Financing – The most attractive offer

To help you realize your dream of becoming a Canadian citizen and investing in your adopted country, PWM Capital can help you finance your investment through a major financial institution at highly competitive rates. You can then make your investment without tying up all your cash resources, by advancing only CDN $190 000, depending on prevailing interest rates of the Bank of Canada.

To find out more about the terms and conditions of such financing, we invite you to contact the Immigration Investor Program team at PWM Capital.

Of course, if you prefer to finance the entire investment yourself, you are completely free to do so.

A program with tax advantages

For many immigrants, the tax rules in effect as of fall 2003 Quebec and in Canada as a whole offer definite advantages that allow them to further build up their assets.

For instance:

• Immigrant investors have the opportunity to establish an offshore trust before arriving in Canada, which can allow them to defer paying income taxes for five years.
• Canada does not levy inheritance taxes or wealth taxes.

Any change to these rules may have an effect on the advantages stated above.