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How MICs Deliver Consistent Income in a Falling Rate Environment
Mortgage Investment Corporations (MICs) have emerged as one of Canada’s fastest-growing alternative asset classes, increasingly embraced by investors seeking competitive returns and portfolio diversification amid economic uncertainty. While MIC investments have long been valued for their ability to generate steady income across market cycles, they have taken on renewed appeal in today’s falling interest rate…
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Decades of Dependability: 20 Years of CMI, 10 Years of Balanced Income
Canada’s private mortgage market has expanded dramatically over the past two decades, and CMI Financial Group has been a key driver of its growth — positioning private mortgages as a mainstream alternative asset class for investors seeking steady income uncorrelated with traditional markets. This year, CMI marks two major milestones: 20 years in business and…
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MIC Investing in 2025: How CMI’s Data-Driven Approach Safeguards Your Returns
Your savings account pays just 1%, the stock market feels overvalued and uncertain, and headlines keep warning about overheated condo markets—so where can you still earn 7%+ returns without losing sleep? For decades, alternative investments have offered Canadians the potential for above-average returns without the extreme volatility of stocks or the low yields of traditional…
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How Economic Indicators Shape MIC Strategy and Performance
With the Bank of Canada’s overnight rate down to 2.75% after seven cuts in less than a year, the private mortgage market is entering a new phase. For Mortgage Investment Corporations (MICs), this shift brings downward pressure on yields, changing borrower risk profiles, and tighter underwriting conditions. Economic indicators become essential tools for MIC managers,…
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Comparing MICs and Traditional Fixed Income Investments
For investors seeking predictable returns and portfolio diversification, understanding the range of fixed income options is essential. Among these, Mortgage Investment Corporations (MICs) offer an alternative to more traditional vehicles like government and corporate bonds and Guaranteed Investment Certificates (GICs). This article compares a MIC investment strategy with traditional fixed income options available in Canada….
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Understanding the Impact of Interest Rate Changes on MIC Yields
Mortgage Investment Corporations (MICs) are one of Canada’s fastest-growing alternative assets, offering investors the potential to earn higher yields than traditional fixed-income products like government bonds or Guaranteed Investment Certificates (GICs). While a MIC investment strategy benefits from growing demand for alternative lending solutions, its yields are still influenced by the Bank of Canada’s (BoC)…
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Maximize Education Savings: Enhance Your RESP with MICs
With education costs on the rise, planning for your child’s future has never been more critical. Registered Education Savings Plans (RESPs) offer an attractive way to build an education fund—especially when you consider the potential benefits of incorporating a Mortgage Investment Corporation (MIC) (MIC) into a self-directed RESP. A MIC is a pooled investment vehicle…
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