{"id":185630,"date":"2025-02-18T11:40:00","date_gmt":"2025-02-18T16:40:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/invest-reward-points\/"},"modified":"2025-02-18T17:15:52","modified_gmt":"2025-02-18T22:15:52","slug":"invest-reward-points","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/strategy\/invest-reward-points\/","title":{"rendered":"How Can I Invest With Credit Card Points?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the current state of the Canadian dollar, some people are adjusting their travel plans or reconsidering their <a href=\"https:\/\/milesopedia.com\/en\/rewards-strategies\/\">strategies with reward points<\/a>.<\/p>\n<p>Did you know that it is possible to <strong>use credit card points to invest<\/strong>? If you don&#8217;t think you&#8217;ll need your points any time soon, it may be worth investing them in mutual funds. You can do this tax-free by investing your points in a <a href=\"https:\/\/milesopedia.com\/en\/news\/finance\/tfsa-amount-2025\/\">TFSA,<\/a> <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/rrsp-fhsa-maximize-tax-refund\/\">RRSP or FHSA<\/a>, for example.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"166044,195620\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Investing With Our Credit Cards Points&#8221; font_container=&#8221;tag:h1|text_align:left&#8221; el_id=&#8221;investing_with_our_credit_cards_points&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;links&#8221;]<\/p>\n<p>Many institutions offer the possibility of using your <a href=\"https:\/\/milesopedia.com\/en\/rewards-strategies\/\"><strong>reward points<\/strong><\/a> directly to <strong>invest<\/strong>, whether for <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-to-save-money-every-day\/\">savings<\/a> or <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/movement-fire-different-types\/\">financial independence<\/a>.<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/nbc-a-la-carte-rewards\/\">NBC \u00c0 la carte Rewards Plan<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/rbc-avion-rewards\/\">RBC Rewards<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/programme-fidelite\/cibc-aventura\/\">CIBC Aventura<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/bmo-rewards\/\">BMO Rewards<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/desjardins-bonusdollars\/\">BONUSDOLLARS Desjardins<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Saving and Investing With Points&#8221; css=&#8221;&#8221; el_id=&#8221;saving_and_investing_with_points&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><strong>Investing<\/strong> is a great way to take advantage of <strong>reward points<\/strong> when there&#8217;s <strong>no travel goal<\/strong> in sight.<\/p>\n<p>Although the exchange rate remains higher when they are used against travel expenses, it is important to remember that this is <a target=\"_blank\" href=\"https:\/\/www.facebook.com\/groups\/l.argent.ne.dort.jamais\"><strong>sleeping money<\/strong><\/a> in the form of points.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210593,210639\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;Reward Points for Financial Products&#8221; el_id=&#8221;reward_points_for_financial_products&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Let&#8217;s take the example of the <a href=\"https:\/\/milesopedia.com\/en\/?p=127111\"><strong>National Bank of Canada rate<\/strong><\/a>.<\/p>\n<p>With 60,000 points, they can be exchanged for a $500 contribution to a <strong>TFSA <\/strong>account for investment purposes<strong>.<\/strong><\/p>\n<p>When compared to the &#8220;best rate&#8221; of <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-use-nbc-rewards-points-travel\/\">55,000 points against a $500 travel discount<\/a>, at first glance, the points are not optimized. In fact, you &#8220;lose&#8221; 5,000 points, or a value of ~$45.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>On the other hand, if there&#8217;s no trip on the horizon, it may be preferable to put that $500 <strong>to work<\/strong>, <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/rrsp-fhsa-maximize-tax-refund\/\">optimize our tax return<\/a> or pay off debts (mortgage, line of credit, etc.) rather than leave it in the form of points.<\/p>\n<p>According to Goldman Sachs Bank, the <a target=\"_blank\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/average-stock-market-return\">average annual return of the S&amp;P 500<\/a> has been around <strong>10.5%<\/strong> for the last 140 years.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Points Redemption Rates for Investing&#8221; el_id=&#8221;points_redemption_rates_for_investing&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>To access financial products, you need to <strong>open an account<\/strong> and <strong>become a customer<\/strong> of the bank.<\/p>\n<p>Here is the number of points required by each financial institution to <strong>invest<\/strong> or reduce your debt.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Where Can You Invest Your Points to Turn Them Into Cash?&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;where_can_you_invest_your_points_to_turn_them_into_cash_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"width: 100%;\" width=\"100%\">\n<thead>\n<tr>\n<td style=\"width: 19.997087282361846%;\" width=\"111\"><strong>Program<\/strong><\/td>\n<td style=\"width: 24.340799091597276%;\" width=\"111\"><strong>Financial products offered<\/strong><\/td>\n<td style=\"width: 20.04928682816049%;\" width=\"111\"><strong>Redemption rates for financial products<\/strong><\/td>\n<td style=\"width: 20.86152623012869%;\" width=\"111\"><strong>Exchange rates for travel discounts<\/strong> (Comparison)<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 19.997087282361846%;\" width=\"111\"><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/nbc-a-la-carte-rewards\/\">NBC \u00c0 la carte Rewards Plan<\/a><\/span><\/td>\n<td style=\"width: 24.340799091597276%;\" width=\"111\">\n<ul>\n<li><span style=\"font-size: 10pt;\">invest in an RRSP<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">invest in a TFSA<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">mortgage repayment<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">bank fees<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">direct contribution to invest in your RRSP\/TFSA portfolio on the National Bank direct brokerage platform<\/span><\/li>\n<\/ul>\n<\/td>\n<td style=\"width: 20.04928682816049%;\" width=\"111\"><span style=\"font-size: 10pt;\">12,000 points = $100<\/span><\/td>\n<td style=\"width: 20.86152623012869%;\" width=\"111\">\n<p><span style=\"font-size: 10pt;\">12,000 points = $100<\/span><\/p>\n<p><span style=\"font-size: 10pt;\">or<\/span><\/p>\n<p><span style=\"font-size: 10pt;\">11,000 points = $100 when redeeming over 55,000 points<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.997087282361846%;\" width=\"111\"><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/rbc-avion-rewards\/\">RBC Rewards<\/a><\/span><\/td>\n<td style=\"width: 24.340799091597276%;\" width=\"111\">\n<ul>\n<li><span style=\"font-size: 10pt;\">invest in an RRSP<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">invest in a TFSA<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">mortgage repayment<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">line of credit reimbursement<\/span><\/li>\n<\/ul>\n<\/td>\n<td style=\"width: 20.04928682816049%;\" width=\"111\"><span style=\"font-size: 10pt;\">12,000 points = $100<\/span><\/td>\n<td style=\"width: 20.86152623012869%;\" width=\"111\">\n<p><span style=\"font-size: 10pt;\">15,000 points = $150<\/span><\/p>\n<p><span style=\"font-size: 10pt;\">or<\/span><\/p>\n<p><span style=\"font-size: 10pt;\">15,000 points = up to $350 for an airline ticket<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.997087282361846%;\" width=\"111\"><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/programme-fidelite\/cibc-aventura\/\">CIBC Aventura<\/a><\/span><\/td>\n<td style=\"width: 24.340799091597276%;\" width=\"111\">\n<ul>\n<li><span style=\"font-size: 10pt;\">invest in an RRSP<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">invest in a TFSA<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">invest in the CIBC Investor&#8217;s Edge Portfolio<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">mortgage repayment<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">line of credit reimbursement<\/span><\/li>\n<\/ul>\n<\/td>\n<td style=\"width: 20.04928682816049%;\" width=\"111\"><span style=\"font-size: 10pt;\">12,000 points = $100<\/span><\/td>\n<td style=\"width: 20.86152623012869%;\" width=\"111\">\n<p><span style=\"font-size: 10pt;\">10,000 points = $100<\/span><\/p>\n<p><span style=\"font-size: 10pt;\">or<\/span><\/p>\n<p><span style=\"font-size: 10pt;\">10,000 points = up to $400 for an airline ticket<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.997087282361846%;\" width=\"111\"><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/bmo-rewards\/\">BMO Rewards<\/a><\/span><\/td>\n<td style=\"width: 24.340799091597276%;\" width=\"111\">\n<ul>\n<li><span style=\"font-size: 10pt;\">BMO Premium Rate Savings Account<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">BMO Bonus Savings Account<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">direct contribution to invest in your portfolio on the BMO InvestorLine platform<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<\/td>\n<td style=\"width: 20.04928682816049%;\" width=\"111\"><span style=\"font-size: 10pt;\">15,000 points = $100<\/span><\/td>\n<td style=\"width: 20.86152623012869%;\" width=\"111\"><span style=\"font-size: 10pt;\">15,000 points = $100<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 19.997087282361846%;\" width=\"111\"><span style=\"font-size: 10pt;\"><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/desjardins-bonusdollars\/\">BONUSDOLLARS Desjardins<\/a><\/span><\/td>\n<td style=\"width: 24.340799091597276%;\" width=\"111\">\n<ul>\n<li><span style=\"font-size: 10pt;\">invest in an RRSP<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">invest in an RESP<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">invest in a TFSA<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">invest in a non-registered account<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">Service Fees<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">Insurance products<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">personal loan repayment<\/span><\/li>\n<li><span style=\"font-size: 10pt;\">mortgage repayment<\/span><\/li>\n<li><span style=\"font-family: inherit; font-size: 10pt;\">Savings products<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<\/td>\n<td style=\"width: 20.04928682816049%;\" width=\"111\"><span style=\"font-size: 10pt;\">1 BONUSDOLLARS = $1<\/span><\/td>\n<td style=\"width: 20.86152623012869%;\" width=\"111\"><span style=\"font-size: 10pt;\">1 BONUSDOLLARS = $1<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>As you can see, some exchange rates come close to being used against a Statement credit on travel expenses.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Investing in the Stock Market With Points&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;investing_in_the_stock_market_with_points&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>At the start of the pandemic, I had liquidated the majority of my <a href=\"https:\/\/milesopedia.com\/en\/guide\/pay-points-or-cash\/\" target=\"_blank\" rel=\"noopener\">reward<\/a> points in order to <strong>increase my savings contributions and invest.<\/strong><\/p>\n<p>Over an 18-month period, my investments grew by more than 20%.<\/p>\n<p>Since we didn&#8217;t know when we&#8217;d be able to leave again, I found another way to <strong>monetize these points<\/strong> despite a slightly disadvantageous exchange rate in the first place.<\/p>\n<p>If you&#8217;re facing a significant increase in mortgage payments with skyrocketing rates, you can turn to your points to ease the burden.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"129889\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_row_inner disable_element=&#8221;yes&#8221;][vc_column_inner][vc_message css=&#8221;&#8221;]<\/p>\n<p>Until February 7, 2025, RBC is promoting a 25% reduction in the number of points required to contribute to an investment.<\/p>\n<p>So instead of 12,000 RBC Avion points for a $100 investment, it will only cost 10,000 RBC Avion points! A promotion like this happens about 1-2 times a year.<\/p>\n<p>This puts the new welcome offer from:<\/p>\n<ul>\n<li><a title=\"RBC Avion Visa Infinite Card\" href=\"https:\/\/milesopedia.com\/en\/go\/rbc-avion-visa-infinite\/\" rel=\"noindex\">RBC Avion Visa Infinite Card <\/a>55,000 Avion points ($550 investment)<\/li>\n<li><a title=\"RBC Avion Visa Infinite Privilege Card\" href=\"https:\/\/milesopedia.com\/en\/go\/rbc-avion-visa-infinite-privilege\/\" rel=\"noindex\">RBC Avion Visa Infinite Privilege Card<\/a> 70,000 Avion points ($700 investment)<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>[\/vc_message]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22739,22745\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Indirect Methods for Investing With Points&#8221; font_container=&#8221;tag:h1|text_align:left&#8221; el_id=&#8221;indirect_methods_for_investing_with_points&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>However, when there&#8217;s a trip on the horizon, it&#8217;s really best to redeem reward points for <strong>travel discounts<\/strong>. Then, invest the amount saved.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Make Your Money Grow Fast With Points&#8221; css=&#8221;&#8221; el_id=&#8221;make_your_money_grow_fast_with_points&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>It&#8217;s just a matter of <strong>perception<\/strong>, but there are two ways to look at it:<\/p>\n<ul>\n<li>our trip costs less, so we have more money available for other purchases<\/li>\n<li>our trip costs less, so we have more money available to invest or save<\/li>\n<\/ul>\n<p>The basic rule of point hunting, remember, is <strong>not to create needs<\/strong>.<\/p>\n<p>So, to optimize your points and your budget, use your points and cash back on expenses you would have made anyway.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"170505,194706,234061,248186\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;Money Is Money&#8221; el_id=&#8221;money_is_money&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>During my trip to <a href=\"https:\/\/milesopedia.com\/en\/guide\/destination\/trave-guide-cappadocia-hot-air-balloons\/\">Turkey<\/a>, I had booked a tour package with <a href=\"https:\/\/milesopedia.com\/en\/go\/g-adventures\/\">G Adventures<\/a>. With them, there are several ranges of service for the same journey.<\/p>\n<p>I carefully chose <strong>the one that suited me<\/strong> and then applied my National Bank <strong>rewards points<\/strong> to the fees.<\/p>\n<p>I reiterate, I selected the circuit that satisfied me and not a more luxurious circuit simply because I had a &#8220;big discount&#8221;.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;182483&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Secondly, would I have gone on the trip even if I didn&#8217;t have so many points? In my case, the answer is yes.<\/p>\n<p>So by using my points to reduce the cost of my tour, I saved a $500 that I was going to inject into this trip anyway. So <strong>I deposited that same amount into one of my investment accounts<\/strong>.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>This <strong>way of thinking<\/strong> applies to all reward point programs, but also to cashback. <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/tips-life-fire\/\">Credit cards allow me to save money<\/a> while pursuing my <a href=\"https:\/\/milesopedia.com\/en\/guide\/destination\/visit-7-wonders-of-the-world\/\">dream trips<\/a>.<\/p>\n<p>Unlike direct methods, this allows me to invest my savings <strong>anywhere <\/strong>: <a href=\"https:\/\/milesopedia.com\/go\/wealthsimple\/\">Wealthsimple<\/a>, <a target=\"_blank\" href=\"https:\/\/www.questrade.com\/fr\/home\">Questrade<\/a>, <a title=\"Qtrade Direct Investing\" href=\"https:\/\/milesopedia.com\/en\/go\/qtrade-direct-investing\/\" rel=\"noindex\">Qtrade Direct Investing<\/a>, <a title=\"CIBC Investor's Edge\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-investors-edge\/\" rel=\"noindex\">CIBC Investor&#8217;s Edge<\/a> etc.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"138018,336193,341803\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Best Credit Card Offers for Investing in Canada&#8221; font_container=&#8221;tag:h1|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;best_credit_card_offers_for_investing_in_canada&#8221;]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='10'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--8 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432,153316,22672,22642,105658,22492,22654,22689,22690\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; font_container=&#8221;tag:h1|text_align:left&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><span data-semji-fact-check=\"28d7b59048dc\" data-semji-fact-check-criticality=\"verified\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"true\">More cash flow from savings thanks to credit card points?<\/span> <span data-semji-fact-check=\"834e96d9b7ca\" data-semji-fact-check-criticality=\"verified\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">As savvy investors, we have more money to invest in our long-term financial goals, such as retirement savings or <\/span><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/tips-life-fire\/\"><span data-semji-fact-check=\"834e96d9b7ca\" data-semji-fact-check-criticality=\"verified\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">financial independence,<\/span><\/a><span data-semji-fact-check=\"834e96d9b7ca\" data-semji-fact-check-criticality=\"verified\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">while enjoying life to the fullest.<\/span><\/p>\n<p>To find out more about investing and personal finance, read our articles and guides:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/investissements\/asset-allocation-etf-where-start\/\">The best asset allocation ETFs in 2025<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance-management-canada\/\">Managing personal finances in Canada<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/compound-interest-in-canada\/\">Investing&nbsp;: All you need to know about compound interest in Canada<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/movement-fire-different-types\/\">What are the different variations of the FIRE movement?<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"183240\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;FAQ&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;faq&#8221;][vc_toggle title=&#8221;What&#8217;s the best way to invest with points?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">The best way to invest with points is to use those you won&#8217;t be using for travel, and invest them tax-sheltered in RRSPs or FHSA. At present, many financial institutions allow you to use your points directly to invest. An interesting strategy is to <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/rrsp-fhsa-maximize-tax-refund\/\">use your points to maximize your tax refund<\/a>. You can then reinvest this tax refund in your TFSA to grow your money tax-free. This approach optimizes the use of your points while maximizing the tax benefits of the various registered accounts.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What does investing mean?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Investing means making your money grow by strategically placing it to generate long-term returns. For beginners and experienced <strong>investors<\/strong> alike, it&#8217;s essential to define your <strong>financial objectives<\/strong> and risk tolerance before taking the plunge. Whether you&#8217;re looking to save for retirement or achieve financial independence, you have a number of options open to you: stocks, bonds, mutual funds or real estate. The important thing is to diversify your investments and maintain a <strong>long-term<\/strong> vision, while remaining faithful to your investment strategy despite market fluctuations.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How to invest in the stock market&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\"><span data-semji-fact-check=\"e48a9b59260a\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"true\">To invest in the stock market, start by determining your <\/span><strong><span data-semji-fact-check=\"e48a9b59260a\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"true\">risk tolerance<\/span><\/strong><span data-semji-fact-check=\"e48a9b59260a\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"true\"> and your <\/span><strong><span data-semji-fact-check=\"e48a9b59260a\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"true\">financial objectives<\/span><\/strong><span data-semji-fact-check=\"e48a9b59260a\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"true\">.<\/span> Then, you&#8217;re ready to invest, <span data-semji-fact-check=\"e910b98a776d\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">diversify your portfolio between different <\/span><strong><span data-semji-fact-check=\"e910b98a776d\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">asset classes<\/span><\/strong><span data-semji-fact-check=\"e910b98a776d\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\"> such as <\/span><strong><span data-semji-fact-check=\"e910b98a776d\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">stocks<\/span><\/strong><span data-semji-fact-check=\"e910b98a776d\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\"> and <\/span><strong><span data-semji-fact-check=\"e910b98a776d\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">fixed-income securities<\/span><\/strong><span data-semji-fact-check=\"e910b98a776d\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">.<\/span> <strong>Markets<\/strong> offer different opportunities depending on your investor profile. <span data-semji-fact-check=\"69f420482583\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">To achieve a good <\/span><strong><span data-semji-fact-check=\"69f420482583\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">rate of return<\/span><\/strong><span data-semji-fact-check=\"69f420482583\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">focus on a <\/span><strong><span data-semji-fact-check=\"69f420482583\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">long-term investment strategy<\/span><\/strong><span data-semji-fact-check=\"69f420482583\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\"> and avoid reacting to daily fluctuations.<\/span> <span data-semji-fact-check=\"97cd33378ceb\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">The <\/span><strong><span data-semji-fact-check=\"97cd33378ceb\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\">online trading platforms<\/span><\/strong><span data-semji-fact-check=\"97cd33378ceb\" data-semji-fact-check-criticality=\"medium\" data-semji-fact-check-hovered=\"false\" data-semji-fact-check-validated=\"false\" data-semji-fact-check-selected=\"false\"> make investing easy and inexpensive.<\/span><\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How do you invest your money and points?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">The most effective investment strategy is to combine your points and your money strategically. By using your points for day-to-day expenses, you free up cash for long-term investments. Your risk tolerance will guide the allocation between <strong>asset classes<\/strong>.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Credit card rewards points have a fixed monetary value. If you can&#8217;t travel, use them to invest!<\/p>","protected":false},"author":1237,"featured_media":182478,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48137],"tags":[],"mc_loyalty_program":[],"class_list":["post-185630","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategy","mc_market-all-of-canada","tutorial-cards"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Can I Invest With Credit Card Points? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Credit card rewards points have a fixed monetary value. 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