Passive income isn’t just a buzzword, it’s a retirement strategy. And if you’ve ever dreamed of making your money work without you, you’re not alone.
But can passive income actually fund your retirement?
Short answer: Yes, if it’s structured right.
At Fluent Capital, we work with investors who want monthly income not just now, but in retirement. That means replacing their active income with predictable, passive returns they can rely on.
Here’s how that works:
Instead of waiting decades to sell a stock or hoping your portfolio survives a market dip, Fluent investors earn monthly payouts from secured mortgage loans. These loans are backed by real property and pay fixed interest, often between 8–12% annually.
It’s not about chasing massive gains. It’s about a consistent, stable income that shows up while you focus on living.
This is especially powerful when paired with:
- TFSAs for tax-free growth
- RRSPs for long-term, tax-deferred compounding
- Non-registered accounts for flexible access
Imagine this:
You invest $100,000 and earn 10% annually. That’s $10,000 per year, or roughly $833/month. Reinvest those earnings, and the number grows. Do that across multiple accounts or with higher capital, and you’re building a cash-flowing retirement base.
You don’t need a million dollars overnight. You need a plan that starts now, grows steadily, and works even when you stop.
As the year winds down, it’s the perfect time to ask:
Is your retirement plan based on hope, or cash flow?
Let’s help you build income that doesn’t stop when your job does.