How To Invest

We think investing should be straightforward

Our fund managers are focused on providing you with a simple and consistent return on your investment.

Fund Fact Sheet February 2020 [Download]

how-to-invest-ryan-mortgage-income-fund Investing with Ryan Mortgage is straight forward and simple:

“For over 30 years, Ryan Mortgage has provided its shareholders with a consistent annual income stream with a limited volatility.”

Is Ryan Mortgage right for you?

At Ryan Mortgage, we understand you have many options when it comes to investing and that’s why we’re as transparent as possible. In the past, a typical investor of Ryan Mortgage:

Understands that capital preservation is critical to long term wealth accumulation;
Is interested in simple but effective cash flow;
Is seeking direct contact with experienced fund managers;
Wants the fund manager to have a significant stake in the fund.

Key Investment Policies

All investments must be secured by mortgages.
The loan to value (LTV) on each individual mortgage may not exceed 75%.
All mortgages require an independent property appraisal prior to investing.
No more than 10% of the portfolio can be invested in commercial properties.
No individual mortgage can account for more than 10% of the portfolio.

Why Invest with us?

Stable and reliable income.

Since 1984, Ryan Mortgage has provided its shareholders with a steady and reasonable return. In fact, since inception Ryan Mortgage has never had a negative return and, over the past 5 years has exhibited an annualized return of 9.40%.

You choose your payment plan.

With Ryan Mortgage you get the choice of collecting your monthly distributions in cash, or reinvesting and watching your investments grow.

Different ways to save.

When joining Ryan Mortgage’s family of investors you have options on how to save; either by RRSPs, TFSAs, RESPs, LIRAs, RRIFs or simply cash.

Focused on Canadian Real Estate.

Providing our shareholders with a steady investment income with limited volatility is Ryan Mortgage’s highest priority, and to do this we invest primarily in residential mortgages; giving our shareholders peace of mind knowing their investment isn’t subject to the volatility of the stock market.

Options for Investing with Ryan Mortgage

When investing with Ryan Mortgage you can submit cash or funds from Canadian Registered Plans. Ryan Mortgage qualifies for all registered plans including the following:

REGISTERED
RETIREMENT
SAVINGS PLAN

RRSP

TAX FREE
SAVINGS
ACCOUNT

TFSA

REGISTERED
EDUCATIONAL
SAVINGS PLAN

RESP

LOCKED-IN
RETIREMENT
ACCOUNT

LIRA

REGISTERED
RETIREMENT
INCOME FUND

RRIF

Are you ready to start investing with Ryan Mortgage?

We’d be happy to talk with you, answer your questions or set up an appointment to discuss your investment options.