Planulife Investments

Using our A.I. technology, we have done something that has never been done before: We reduced investment expenses to zero

0%

Expences And Management Fees

100%

Investment Secured With Real Estate

$15M+

Direct Investment With No Middle Man

2,000+

Minutes To Onboard And Start Earning

$2M

Flagship Investment Products

Our funds

Our two flagship products allow you to diversify within private real estate to achieve financial freedom

  • Risk
  • Expected Return
  • Registered Account Eligible
  • Locked In
  • Tax
  • Investor type
img

Planulife Mortgage Income Fund

  • Low
  • 9% compounded annually
  • Yes
  • No, fully open
  • Income
  • All investors
  • View Details
img

Planulife Equity Fund

  • High
  • 6% - 15%+
  • No
  • Yes, project duration - 3 to 7 years
  • Capital gains
  • Accredited investors or existing investors only
  • View Details

Planulife Investments

img

A Mortgage Income Fund is an investment vehicle that uses a pool of capital to issue private mortgages and distributes income to the investors.

These mortgages are secured by something tangible and understandable: residential and commercial real estate.
Our Mortgage Income Fund investment is secured with a pool of housing communities.
Our four investment objectives:
  • Capital preservation
  • Consistent monthly income
  • Avoid volatility of equity markets
  • Invest in creating much needed housing supply
Watch our 90 second explainer video to learn more!
View Factsheet Book Consultation

Our Companies

img
Fund Promoter
We connect you with a direct investment

Our technology was developed to cut out the fat. For the first time ever, you will have zero management expense fees on your investment! Traditionally, private real estate expenses range from 5% up to 42%. With our $0 fee structure, 100% of your investment is asset secured and the full income is paid to you.

img
Investment Administrator
We process and administrate the investment

Lifelong Capital License #12977 licensed with the Financial Services Regulatory Authority of Ontario, underwrites to ensure the Builder has at least 25% stake in the communities for loss protection. As a Mortgage Investment Corporation, under the Income Tax Act Section 130.1, the investment is non-taxable at the corporate level. This ensures optimal returns for our investors.

img
Home Builder
Provides exclusive access to housing investments

Karmina retains all project risks, such as timelines and construction costs.In our income fund, Karmina risks its investment of over $10M as loss protection to shield investors from losses. As a general contractor, they manage over 30 trades to build quality communities.

Benefits of investing

img

Consistent Returns

Earn the contract return with zero investment fees
img

Asset Backed

Every dollar is secured against tangible real estate
img

Create Housing Supply

Provide housing in your community
img

Exclusive Access

Priority unit purchase and equity investments

Earnings example

8.25% return on monthly payments. $100,000 investment will yield $687.50 monthly totaling $8,250 in the year. Or, reinvest earnings at 9%, compounding to earn optimal returns.

Karmina Developments Builder Sister Company

img

Your funds are secured against these 5 housing communities located in the Durham Region, one of the fastest growing regions in Canada. Over the next 10 years, we will build custom homes, townhomes, condominiums, rental apartments, senior livings and commercial units on these properties.

img

Goodyear Village

Built in 1910, the Goodyear Tire Plant was the first outside USA. Soon afterwards, the downtown Village in Bowmanville was developed around the plant to house its workers. The historic site also helped in the war effort, producing heels and soles for soldiers during World War II. Closed in 2016, we purchased the plant to form our first master planned community. Minutes walk from Downtown Bowmanville, the site is also step to the new GO station, and a short drive from the 401.
  • LOCATION: Raynes Avenue, Bowmanville
  • TYPE: Mixed Use
  • SIZE: 39 acres
  • COMPLETION: TBD
THESE ARE THE ARTIST'S RENDERING OF OUR COMMUNITIES. THEY ARE FOR ILLUSTRATIVE PURPOSES ONLY AND MAY NOT BE AN ACCURATE DEPICTION OF THE FINAL OUTCOME.
img

Treehouse Studios

Located steps to the Ontario Tech University and Durham College campus in North Oshawa, Treehouse Studio is designed to meet today’s student lifestyle, using the latest Nordic inspired space-saving design features including military style foldaway beds, our units will officially be one of the most affordable living spaces in entire GTA
  • LOCATION: 1664 Simcoe Street North, Oshawa
  • TYPE: Condominium
  • SIZE: 142 units
  • COMPLETION: 2025
img

Courtice Crossings

The former site of dilapidated houses, we’re redeveloping this landmark intersection to create a small community of townhomes in the blossoming neighbourhood of Central Courtice. Complete with a private parkette, Courtice Crossings is ideal for both young families and independent seniors alike.
  • LOCATION: 1640-1648 Nash Road, Courtice
  • TYPE: Townhouse
  • SIZE: 21 units
  • COMPLETION: 2024
img

Fieldstone Manors

This unique wraparound concept with a multi storey building wrapped around a Fieldstone home built in 1837 that we recently converted into a day nursery. Whilst protecting and preserving this historically significant building, we will showcase this previously hidden gem by providing it with a complimentary companion. We’re taking a property that benefited one family at a time for the past 185 years to one that benefits over a hundred families while remaining a cultural asset for the city.
  • LOCATION: 1830 Rossland Road E, Whitby
  • TYPE: Mixed Use
  • SIZE: 0.8 acres
  • COMPLETION: TBD
img

Custom Homes

Custom homes built with best in class building processes and materials
  • LOCATION: Various
  • TYPE: Residential
  • SIZE: 4,000 square foot +
  • COMPLETION: Ongoing
img

Karmina Commercial

Leveraging Karmina’s attention to detail and passion for high quality, our Commercial Division strives to better our communities by providing much needed commercial real estate. Our Commercial Division focuses on mixed-use retail, rental apartments and healthcare including both medical retail and seniors living. The Commercial Division is the brainchild of our Parent, Lifelong Group, which contributes resources towards each Commercial project. This partnership ensures that all commercial endeavors are executed at the highest and best use for generations to come.
  • Mixed Use Retail
  • Healthcare and Seniors Living
  • Rental Apartments
  • High Quality Building Materials

How to invest

For all registered accounts, we use a third party trust company for administration. Simply open your account, purchase our shares and start earning a passive income.

After you have created your new trust account, you can fund the account by transferring your existing registered account or set up a direct withdrawal from your bank account.

Watch this short video for our simple step-by-step onboarding guide.

Invest now Book Consultation
img

Accounts that fit your goals

Not sure which accounts are right for you? We'll help you choose!

RRSP

Avoid taxes and pay them after you retire.

Learn More

TFSA

Pay no tax on earnings within your account.

Learn More

RESP

Save money for your children’s education while lowering tax burden and taking advantage of government matching.

Learn More

RRIF

If you’re 71 years and older and would like to convert your RRSP account.

Learn More

LIRA

If you have a pension from a former employer but you’re not retired yet.

Learn More

Joint

Accounts with multiple owners, such as married couples and business partners.

Learn More

Corporate

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur vestibulum dapibus arcu. Aenean tempus ligula vitae justo dapibus ornare. Nulla in vulputate magna. Phasellus ultrices a nisl id lobortis. Aenean vel varius velit.

Learn More

Frequently asked questions

  • What makes Planulife Investments different from the rest?

    Planulife uses technology to cut out all investment or management expenses on its realty investments. 100% of your investment gets secured with real estate that drives returns. We earn through community building as Planulife operates as a free Fund Promoter for our sister companies.

  • How to I set up my account?

    Visit https://www.app.planulife.com/investments to create your profile. Add an investment account, either registered or non-registered. E-sign your subscription documents and transfer form, if applicable. Once your account is funded or transferred in, your balance will appear in your dashboard.

  • What investment is suitable for me?

    The Mortgage Income Fund has very low principal and return risk and offers flexibility with redemptions processed within 90 days and the option for monthly cash payments or compounded growth. The Fund is a great alternative to GICs, bonds or mutual funds. It’s very suitable for earning cash cheques through TFSA accounts, or projected long term earnings within registered plans such as RRSPs and RESPs.

    The Equity Fund also has low risk of principal loss, however lump sum returns fluctuate based on project performance. The Fund is locked in for at least 2 years and is a great alternative to purchasing investment properties or stocks directly. The Fund is suitable for tax deferred investments in non-registered accounts.

  • What companies are involved in Planulife Investments offerings?

    Fund promoter - Planulife operates as a free fund promoter.

    Investments Administrator - Lifelong Capital Corporation license #12917 with the Financial Services Regulatory Authority.

    Builder Partner - Karmina Developments

  • Are there fees for registered accounts (TFSA, RRSP, etc.) administration?

    Yes. Planulife uses a third party licensed trust administrator that charges an annual fee. As a welcome bonus, Planulife covers the initial annual fee and one-time share purchase fee.

  • What is the investment minimum?

    $25,000. This can come from new deposits from your bank account, or a transfer from existing investment accounts, or both.

  • Where can I track my investments progress?

    Investment updates, current balances, history and projected returns can be tracked in our dashboard portal. Visit https://www.app.planulife.com/investments to set up.

Integrated Services

img

Plan

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed sit amet est fringilla, tincidunt est id, pretium ex. Donec pellentesque lorem vehicula tincidunt feugiat.
Learn More
img

Realty

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed sit amet est fringilla, tincidunt est id, pretium ex. Donec pellentesque lorem vehicula tincidunt feugiat.
Learn More
img

Mortgage

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed sit amet est fringilla, tincidunt est id, pretium ex. Donec pellentesque lorem vehicula tincidunt feugiat.
Learn More

Integrated Services

img

Plan

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed sit amet est fringilla, tincidunt est id, pretium ex. Donec pellentesque lorem vehicula tincidunt feugiat.
Learn More
img

Realty

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed sit amet est fringilla, tincidunt est id, pretium ex. Donec pellentesque lorem vehicula tincidunt feugiat.
Learn More
img

Mortgage

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed sit amet est fringilla, tincidunt est id, pretium ex. Donec pellentesque lorem vehicula tincidunt feugiat.
Learn More