AHMED GROUP
QUICK FAQ’s
TFSA - Tax-Free Savings Account
Flexible, tax-free growth and withdrawals
A TFSA lets Canadian residents earn investment income tax-free inside the account. Contributions are not tax-deductible, but all growth and withdrawals are generally not taxable, regardless of your income level or age.
Despite the name, a TFSA can hold a wide range of qualifying investments – including exempt market securities via a self-directed TFSA at Olympia.
Key benefits
- All income and gains in the TFSA are tax-free, even when withdrawn
- Withdrawals do not count as income, so they don’t affect government benefits
- Withdrawn amounts are added back to your TFSA room in future years (under CRA rules)
- No requirement to convert or draw minimum income at any age
Why use a TFSA for AG investments?
- Ideal for long-term, tax-free compounding in private real estate
- Any eligible distributions and growth on AG Property Trust or AG Tawakkul held inside a TFSA stay completely tax-free, enhancing after-tax returns
- Helpful if you’ve already maximized RRSP contributions or expect to be in a higher tax bracket in retirement, making tax-free withdrawals especially attractive
Liquidity note: TFSA rules allow withdrawals at any time, but the underlying investments may not be daily-liquid. For example, AG Property Trust currently offers quarterly redemptions with 30 days’ notice.
Best for:
Investors who want maximum tax-free flexibility for long-term wealth building, without future tax on withdrawals.
RESP - Registered Education Savings Plan
Grow education savings with government grants
An RESP is designed to help families save for a child’s post-secondary education. While contributions are not tax-deductible, the government adds extra money through the Canada Education Savings Grant (CESG) – generally 20% on the first $2,500 contributed each year per child (up to $500/year, $7,200 lifetime) – and all growth is tax-deferred.
Withdrawals used for eligible education are taxed in the student’s hands, who is often in a much lower tax bracket, reducing or eliminating tax on the income.
Key benefits
Government matching grants can significantly boost your contributions
- Tax-deferred growth on all earnings
- Education withdrawals generally taxed to the student, often at a low rate
- Long time horizon (often 10–18+ years), which can suit long-term investments
Why use an RESP for AG investments?
- The long runway before post-secondary education can suit patient, long-term real-estate investing
- Pairing government grants with potential private real estate returns can materially increase the education fund over time
- For families who value ethical, asset-backed investing, RESP savings can be aligned with the same values-driven philosophy as the rest of your portfolio
Important: Illiquid or higher-risk investments may not fit every family’s education plan. Your dealing representative will help determine whether a private real estate investment inside an RESP is suitable for your situation.
Best for:
Families with a long time horizon who want to combine government education grants with real-asset exposure.
RRIF - Retirement Income Fund
Turn your registered savings into structured retirement income
A RRIF (Registered Retirement Income Fund) is usually created by transferring your RRSP (or certain other registered plans) when you reach retirement. The funds stay tax-deferred, but you must withdraw at least a government-prescribed minimum each year, which is then taxed as income.
Olympia offers RRIF, Spousal RRIF and Prescribed RRIF accounts that can continue to hold the same types of qualified investments as your RRSP.
Key benefits
- Keeps money invested and tax-deferred while you draw required income
- Flexible withdrawals above the minimum, if desired
- Compatible with many types of investments held previously in an RRSP
Why use a RRIF for AG investments?
- For retirees who value steady, long-term real-asset exposure, continuing to hold AG Property Trust or AG Tawakkul units inside a RRIF can keep a portion of their retirement portfolio in hard-asset, income-producing real estate
- The minimum RRIF withdrawals can be funded by a combination of fund distributions and partial redemptions, according to the investment’s terms and your plan
Best for:
Retired investors who want to maintain exposure to private real estate within their mandatory retirement income structure.
Other Investment Opportunities
- AG Property Trust — Halal Canadian REIT with 12% target IRR.
- AG Tawakkul Fund LP — Core Shariah-compliant strategy of the AG Property Trust.
- AG Ethical Income Fund LP — Asset-backed Shariah-compliant income strategy.
- AG Halal MIC — Canada's first Shariah-compliant Mortgage Investment Corporation.
- AG Halal Mortgages — Riba-free home and project financing using the Ijarah model.
- AG Limited Partnerships — Rental community development investments.
- Small Ticket Program — Invest in real estate from $10,000.
- Share Swap Program — Convert property ownership into Trust units.
- Invest Through Registered Accounts — RRSP, TFSA, FHSA, RESP, LIRA, RRIF eligibility.
Contact Ahmed Group for investment enquiries.