Is it worthwhile to invest in Canadian immigrants or do you have to pay interest?

First of all, let's discuss this problem from the aspect of funds. Suppose we have 400 thousand funds now; We invest 400,000 yuan to immigrate for five years with zero interest rate, and get back 400,000 yuan after five years. And if we pay the interest of 6.5438+0.2 million in one lump sum, our funds will be reduced to 280,000 (400,000 minus 6.5438+0.2 million). Calculated by the compound interest of 10% per year, the potential profit will exceed170,000 after five years. Plus the principal, it will reach 450,000 in five years (280,000 plus 6.5438+7,000). That is to say, the method of paying 6,543,800+0.2 million interest at one time loses 50,000 Canadian dollars less potential profit than the method of investing 400,000 at zero interest rate for five years. Of course, this is based on the fact that funds can generate profits. If the funds we have don't have the ability to generate income, it will be much more cost-effective to invest 400 thousand at zero interest rate for five years than to pay interest. Secondly, let's discuss risks. As we all know, the 400,000 Canadian dollars invested by immigrants is not directly delivered to the Canadian government; But to a fund company certified by the government. These fund companies are not government enterprises, and they are also at risk of bankruptcy. After five years, whether these fund companies can survive will directly affect whether the immigrant friends who invested in the fund can get back the 400,000 principal, but it will not have any influence on the immigrant friends who pay interest. In a word, friends who choose to invest in immigration should carefully evaluate their capital portfolio and maximize their income in a reasonable way, so that they and their families can get the maximum income at the lowest cost.