First, let’s discuss this issue in terms of funding. Suppose we have 400,000 yuan now; if we immigrate by investing 400,000 yuan at zero interest rate for 5 years, we will get back 400,000 yuan after 5 years. And if we immigrate by paying a one-time interest payment of 120,000, the funds we have will be reduced to 280,000 (400,000 minus 120,000). Based on a compound profit of 10% per year, we will generate a potential profit of over 170,000 in 5 years. Including the principal, it will reach 450,000 (280,000 plus 170,000) in 5 years. In other words, choosing to pay a one-time interest of 120,000 yuan will result in a loss of 50,000 Canadian dollars less potential profit than investing 400,000 yuan at zero interest rate for five years. Of course, this is measured on the basis that the funds can generate profits. If the funds we have do not have the ability to generate profits, investing 400,000 at zero interest rate for five years will be much more cost-effective than paying interest. Second, let's discuss risk. As we all know, the 400,000 Canadian dollars invested by investment immigrants are not delivered directly to the Canadian government; rather, they are delivered to a fund company certified by the government. These fund companies are not government enterprises, and they are also at risk of bankruptcy. Five years later, whether these fund companies can still survive will directly affect whether the immigrant friends who invested in the funds can get back their 400,000 principal, but it will not have any impact on the immigrant friends who paid interest. In short, friends who choose investment immigration should carefully evaluate their capital portfolio and maximize profits with reasonable investment methods so that they and their families can obtain the maximum benefits at the minimum cost.