To substantially reduce the cost of helping certain disadvantaged children to finish investing for retirement during their formative years, we plan to make a growing number of $33,874 at-Birth investments - which can optionally be claimed (in whole or in part) by certain low-income new-parents and/or their kids.

 

To illustrate, consider the example of a teen whose parents haven't invested ANY money for them.

 

With the help of our Fast Start Agency, this teen should still be able to finish investing by their 23rd birthday, by earning enough so they can invest a total $178,344 during their high school and college years.

 

By comparison, if this teen had a $33,874 at-Birth Investment earmarked for them, they could claim the investment's entire present value (which, by their 23rd birthday, should be $245,851) by, with the help of our Fast Start Agency, paying our BIG Shift Fund a total of just $72,488 (which is $9,061 per year, for 8 years).

 

This is $105,856 less than what the teen would have to invest themselves during their high school & college years (and $968,356 less than they'd have to invest if they begin at age 24).

 

Why is there such a huge difference? The answer is, because we won't be trying to earn a profit on these claimable at-Birth Investments. Instead, we will merely try to keep-pace with inflation.

 

So, while the balance in their claimable at-Birth account should be compounding at 9% (in our ZERO-Fee S&P 500 Index Fund), their claim-amount will compound at just 4% (so that our capital merely keeps pace with inflation).

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EVERY Baby

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As a point of interest, if a $33,874 Claimable at-Birth Investment had been made for each of the 368,792 babies born in Canada (in 2022), it would have cost a little less than $12.5 billion. This is $64.5 billion LESS than what the Government current spends each year supporting retirees.

 

And, if we then helped the parents of these babies earn enough extra income - during the first 3 years of their babies' lives - to fully Claim these at-Birth Investment Accounts for their kids (which would cost the parents an average of $12,207 per year), the original $12.5 billion would be fully repaid (including a 4% return on the $12.5 billion, to keep pace with inflation).