AGS Investing

HOW IT WORKS

Empowering Canadians Through Smarter Investments

At AGS, we connect Canadians with unique investment opportunities that generate recurring income while supporting the financial goals of others.

Diversify Your Portfolio

Explore a new fixed-income asset class with low correlation to traditional stocks and bonds. Start investing with as little as $10,000 per loan and diversify across numerous borrowers

Multiple Interest Payment Options

Borrowers make fixed monthly repayments with interest, which are deposited directly into your account either monthly, quarterly, semi-annually or annually. You have the option to use Auto-Invest to reinvest earnings and maximize returns.

Help Fellow Canadians

As a 100% Canadian organization, your investment supports real people across the country, fostering financial wellness and empowerment.

Explore the Marketplace

Browse our platform to find loans that align with your investment objectives and personal preferences.

Perform Due Diligence

Access detailed borrower information, including income, credit score range, and debt-to-income ratio, to make informed investment decisions.

Portfolio & Activity Tracking

Monitor your investments with our advanced tracking tools. Export and analyze your portfolio data for deeper insights.

Investing on Auto-Pilot

With Auto Invest, AGS simplifies investing by allocating funds based on your preferred risk grades, ensuring effortless investment management.

Why Choose AGS Investing?

How Does AGS Make Money?

Borrowers are assessed a monthly servicing fee, added as a lump sum and broken down monthly. No management, brokerage, or transaction fees are charged.

There are no charges for depositing, transferring, or withdrawing funds.

Benefits of Investing

Earn consistent monthly income, reinvest your earnings automatically, and enjoy the security of a platform regulated under Canadian laws.

Your investments directly help fellow Canadians while ensuring your funds are safe and secure.

How We Mitigate Risk

We use rigorous credit assessments and advanced technology to evaluate borrowers, ensuring only creditworthy individuals are approved.

Our dedicated collections team diligently works to recover funds in case of repayment difficulties.

Open Your Free Account

1. Answer a few questions about your investment objectives.

2. We’ll recommend suitable note grades for you.

3. Transfer funds and start investing to meet your goals.

OUR MISSION

At AGS, we’re a proud, 100% Canadian organization based in Toronto, dedicated to empowering everyday Canadians with improved financial opportunities. Our mission is to revolutionize the borrowing experience, recognizing that unexpected expenses can pop up when you least expect them. Traditional banks often lack the speed and flexibility to meet those urgent needs, which is why we’re committed to supporting our members’ financial health through fast, affordable loans.

In Canada, the lending landscape has traditionally favored large banks and financial institutions, leaving individual borrowers at a disadvantage. We’re here to change that. Our goal is to modernize this outdated system and make investment opportunities accessible to all Canadians, not just the financial elite.

The loans we offer at AGS provide attractive yields, low correlation to other asset classes, and, most importantly, they are designed for everyone. When you choose AGS, you’re not just securing a loan; you’re joining a movement to shift the balance of power from large institutions to everyday Canadians. Together, we can create a more equitable and inclusive financial future.

Frequently Asked Questions

We provide a wide range of investment services, including but not limited to:

Portfolio management (active and passive strategies)
Retirement planning
Wealth management
Bookkeeping
Accounting
Tax rebate/savings

To get started, you can:

Consult with an advisor: Book an initial consultation to assess your financial goals, risk tolerance, and investment preferences.
Open an account: Once you’ve chosen an investment plan, you can open an account through our website or with the assistance of one of our financial advisors.
Make your first deposit: After opening your account, you can fund it using various payment methods such as bank transfers, cheques, or wire transfers.
Pay the initial monthly service fee: $500 USD.

Yes. In Canada, investments in regulated financial institutions are protected by the Canadian Investor Protection Fund (CIPF), which covers certain types of investment accounts in the event of a firm’s insolvency. Additionally, investments in government-backed products (e.g., Canada Savings Bonds, GICs) are secure.

The minimum investment amount is $10,000 once your account has been opened and approved by management.

You can manage your investments through our online portal, which allows you to:

View your portfolio’s performance
Make additional contributions
Set up automatic contributions
Monitor your asset allocation

Additionally, we provide personalized support through financial advisors who can help you adjust your portfolio based on changes to your financial goals or market conditions.

Our fee structure varies depending on the type of investment product you choose. Typical fees may include:

Management fees (portfolio management)
Account maintenance fees (depending on the account type)

We take your privacy and security seriously. Our company adheres to all regulations set forth by the Office of the Privacy Commissioner of Canada and employs industry-standard encryption methods and firewalls to protect your data. Additionally, our systems are regularly audited to ensure compliance with privacy and security laws.

You can request a withdrawal at any time. The process typically takes 1-2 business days, depending on the account and method of withdrawal. Please be aware that some investments may have restrictions on withdrawals.

We offer a range of products to accommodate various risk tolerances:

Low risk: Guaranteed Investment Certificates (GICs), bonds, money market funds.
Moderate risk: Balanced mutual funds, dividend-paying stocks.
High risk: Growth stocks, venture capital funds, emerging market investments.

Our advisors can help you select an investment strategy that matches your risk tolerance, time horizon, and financial goals.

Yes, you can transfer your existing investments from another financial institution to your new account with us. We will assist with the transfer process, including completing the necessary paperwork and ensuring the assets are properly moved without triggering tax consequences (depending on the type of account).

Our investment philosophy is rooted in diversification, long-term growth, and risk management. We believe in building portfolios that are aligned with each client’s unique goals and risk profile. Our approach blends traditional asset classes (stocks, bonds) with alternative investments, allowing clients to optimize returns while managing volatility.

Yes, we offer advisory services. You will work with one of our financial advisors who can help you plan and manage your investments.

You can reach our customer service team through:

Phone: 416-882-0384
Email: info@agsinvesting.com
Online chat: Available on our website during business hours