Beyond GICs:

How Mutual Fund Trusts Secure Higher Returns and Protect Against Inflation

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Are GIC's Really Protecting Your Wealth?

"Discover how mutual fund trusts can help you outpace inflation and secure consistent returns with local real estate-backed investments."

Michael Goodman, President Tri City Group

Mutual Fund Trust vs. Mortgage Investment Corporation (MIC)

Many investors are familiar with Mortgage Investment Corporations (MICs) as a way to invest in real estate-backed securities. While MICs have their benefits, mutual fund trusts offer greater flexibility, stability, and long-term growth potential, making them an attractive option for investors seeking to maximize returns while minimizing risk.

Key Differences Between Mutual Fund Trusts and MICs

Income Distribution: MICs are required to distribute all income annually, which limits the ability to reinvest profits. In contrast, mutual fund trusts can retain earnings or distribute them based on market conditions, allowing for compounding growth over time. This reinvestment capability is crucial for investors seeking long-term wealth accumulation.

Diverse Asset Selection: Mutual fund trusts often have broader investment mandates compared to MICs. This means mutual fund trusts can diversify into various property types and geographic regions, reducing exposure to risk while enhancing growth potential. MICs, on the other hand, may focus primarily on one type of real estate asset or lending strategy.

Tax Efficiency: Mutual fund trusts offer tax-efficient structures that allow earnings to flow directly to investors. This can lead to deferred or reduced tax liabilities, depending on how distributions are handled. MICs, by comparison, may not provide the same level of tax efficiency, particularly for higher-income investors.

Monthly Payouts and Cash FlowOne of the standout features of Tri City Group’s mutual fund trust is the monthly distribution of interest income to investors. This ensures consistent cash flow, making it an ideal solution for retirees, income-focused investors, and those looking to supplement their existing portfolios. Unlike MICs, which typically distribute income on an annual basis, our mutual fund trust prioritizes regular payouts, enhancing financial stability for our clients.

Flexibility and Growth with Tri City GroupTri City Group leverages the unique benefits of mutual fund trusts to craft portfolios that not only protect investor capital but actively grow it over time. Our diversified approach – spanning residential and commercial real estate – allows us to navigate shifting markets while delivering predictable returns.

For over 45 years, Tri City Group has been at the forefront of real estate-backed investments, consistently providing inflation-beating returns. Our mutual fund trust stands as a testament to our expertise, offering investors a smarter, more resilient path to financial growth.

By choosing Tri City Group’s mutual fund trust, you’re not just investing in real estate – you’re investing in a proven system designed to maximize returns, minimize risk, and deliver reliable monthly income.

This adaptability and consistent track record are what make Tri City Group a trusted partner in wealth preservation and growth.

How Mortgage Funds Work

Stability Through Real EstateMortgage funds operate by pooling investor capital to provide loans secured by real estate. The key to their stability lies in the underlying asset – residential property. Unlike more volatile assets, residential real estate offers a fundamental layer of security because housing is a core necessity.

At Tri City Group, the mortgages within our fund are carefully selected with a focus on low loan-to-value (LTV) ratios. This means the amount we lend is significantly lower than the actual value of the property, creating a cushion that protects investor capital. Even in market downturns, the value of the underlying asset typically remains strong enough to ensure repayment or recovery.

Our unwavering focus on conservative lending practices is why Tri-City Group has never experienced a down year, providing clients with unmatched confidence in their financial future.

Comparing Mutual Fund Trusts to GICs

The Illusion of Inflation ProtectionGICs are often marketed as inflation-pegged investments – a way to preserve capital while earning steady returns. This messaging appeals to investors looking for certainty, especially during economic uncertainty. However, recent trends have revealed a critical flaw in this narrative.

While GICs offer guaranteed returns, those returns often lag behind inflation. For instance, if inflation rises at four percent but your GIC is locked in at three percent, you’re effectively losing one percent of your purchasing power each year.

Now, consider a mutual fund trust returning eight percent annually. By the end of the year, a $100,000 investment grows to $108,000 – not only outpacing inflation but generating real growth.

Five-Year Comparison Example:

GIC at 3% (with 4% inflation): Grows to $115,927, inflation-adjusted to $109,116.

Mutual Fund Trust at 8% (with 4% inflation): Grows to $146,933 – preserving purchasing power.

Tri-City Group’s mutual fund trusts consistently outperform traditional investments, ensuring your capital is not just protected but growing meaningfully over time.

The Difference Between Local Investments and Local Advisors

Many investors feel a sense of comfort when working with a local financial advisor. But there’s often a disconnect between where the advisor is located and where your money actually goes.

At Tri-City Group, we believe in the power of truly local investing. Your capital is directed into assets you can see and understand – primarily residential real estate and mortgage-backed opportunities within British Columbia.

Benefits of Local Investing:

Know Your Investment: See the properties and projects your money is tied to.

Understand the Market: Local markets are easier to track than global ones.

Build Community Wealth: Your investment supports growth in your area.

Diversified Local Investments

Growing Your Wealth in British Columbia

Tri-City Group focuses on urban growth areas, emerging communities, and various property types, ensuring your portfolio remains resilient and diversified. Our approach allows clients to benefit from market growth without unnecessary exposure to volatility.

What to Do Next

The Tri-City Group team would be happy to review your current investment strategy to explore how our mutual fund trust can help you achieve stable, inflation-beating returns. With 45 years of consistent growth and no down years, we are committed to your success.

Reach out to us today to schedule a consultation and discover how local, secure investments can strengthen your portfolio for the future.