Frequently Asked Questions

Aluna Capital Trust is a Mutual Fund Trust (MFT) created to support the real estate and operational expansion of early learning centres. It allows families, friends, staff, and community members to invest directly in high-quality early childhood education while earning financial returns in tax deferred accounts (like an RRSP etc.). 

Yes. If you already have investments held in another RRSP, TFSA, RESP, RRIF, or LIRA at a bank or financial institution, you can transfer part of those funds into your Olympia Trust self-directed account.

This is done through a CRA-approved T2033 transfer form through your existing bank or investment vehicle. The process is tax-deferred — you don’t lose your registered status.

Yes. If you have unused contribution room in your RRSP or TFSA, you can make a new contribution into your Olympia Trust account and direct those funds into Aluna Capital Trust. Contributions are subject to CRA annual contribution limits.

Where to find your limits:

• RRSP contribution room can be found on your latest CRA Notice of Assessment (NOA) or by logging into your CRA My Account.
• TFSA contribution room is also shown on your CRA My Account under “RRSP and TFSA details.”

The minimum investment is $500 CAD. This makes it possible for families and individuals to participate meaningfully, whether as a financial opportunity or as a long-term gift.

You can invest more than once, provided each contribution meets the minimum of $500 CAD. The investment opportunity will remain open during the current subscription window, and will close once we either:

• Reach our fundraising target, or
• Hit a specified closing date 

After the window closes, no new investments can be accepted until a future offering is opened.

Through a Mutual Fund Trust (MFT), investors can hold units in registered accounts such as RRSPs, TFSAs, and RESPs, unlocking the potential for tax-deferred or tax-free growth while supporting the expansion of high-quality early education.

• Purpose-driven investment: Your money supports the growth of early learning centers. 

• Stable returns: Anticipated and targeted annual returns of 8–9%, backed by long-term leases.
  
• Registered account eligible: Invest through RRSPs, TFSAs, RESPs, RRIFs, LIRAs, or non-registered accounts via Olympia Trust.
  
• Accessible entry: Minimum investment is $500 CAD.
  
• Legacy giving: Subscriptions can also be made in a child’s or grandchild’s name.
  

Persons that qualify under Section 2.3 (Accredited Investor), Section 2.4 (Family, Friends, and Business Associates), section 2.24 of NI 45-106 (Employee, Executive Officer, Director and Consultant) or Section 2.10 (Minimum Amount) of National Instrument 45-106 – Prospectus Exemptions (“NI 45-106”) as more particularly set out in NI 45-106 (the “Applicable Prospectus Exemptions”).

1. Open an account with Olympia Trust (RRSP, TFSA, RESP, or other eligible account).
   
2. Complete the required forms (ID, SIN, and application form).
   
3. Fund your account (via transfer, cheque, or direct deposit).
   
4. Subscribe to Aluna Capital Trust (minimum $500).
   Our team at Aluna Capital will guide you through each step.
   

Every investment carries some risk.

However, Aluna Capital Trust is backed by long-term lease agreements providing a stable base for anticipated returns. We also work with Olympia Trust, a registered Canadian trustee, for secure account handling.

Investors can expect targeted and anticipated annual returns in the range of 8–9%. Your distribution schedule will depend on the structure of your chosen account.

Simply email finance@alunacapital.ca with your:

• Full name
• Mailing address
• Whether the investment is for a minor
• Intended investment amount (minimum $500)
  

Our team will take care of the rest and provide you with the official subscription forms.

Early childhood is the most critical stage of human development. In the first six years of life, up to 90% of brain growth occurs, shaping a child’s ability to think, learn, and build healthy relationships. During this period, children develop the foundations for language, problem-solving, emotional regulation, and social connection — skills that influence their success throughout life.

Expanding access to early learning addresses two urgent needs: reducing the number of families left in “childcare deserts” without quality options, and ensuring children benefit from environments that nurture their cognitive and emotional growth.

At the same time, investment in early learning strengthens communities by creating stable, meaningful careers for educators and supporting parents to pursue work or education with confidence. In short: when we invest in early learning, we invest in healthier children, stronger families, and a more resilient society.

You need to have an Olympia Trust account.

This will require an account to be created with Olympia Trust. We have a guide from Olympia Trust on How to create an account with Olympia Trust (PDF) and a second for How to link your Olympia Trust account with Aluna Capital Trust (PDF).

Olympia Trust has shared a seven step guide to navigate their website, at www.olympiatrust.com, to create a self-directed account.

You can review the guide here (PDF).

Now that you’ve created your Olympia Trust account, the next step is to link it with Aluna Capital Trust. We have created a guide, located here (PDF), with the four steps needed to create your new account.

To get started, email finance@alunacapital.ca with:

• Full Name
• Mailing Address
• Whether the investment is for a minor
• Intended subscription amount

Our team will prepare your forms and guide you through the process.

Once your Olympia Trust account is opened and funded, and your Subscription Agreement is processed, you will receive a confirmation of units issued in Aluna Capital Trust.