In this episode of Talk Money To Me, Candice Bourke and Felicity Thomas unpack one of the most misunderstood wealth strategies in Australia borrowing to invest through margin lending.

Many Australians are comfortable using debt to build wealth through property, but far fewer understand how leverage can be used in a diversified global portfolio. When structured correctly, margin lending can accelerate long-term wealth. However, when used poorly, it can magnify risk and volatility.

In this episode, we break down the strategy in a simple and practical way, including real client scenarios and the key considerations sophisticated investors need to understand.

We cover:

✔️ What margin lending is and how it works

✔️ Loan-to-value ratios (LVR) and how lenders assess risk

✔️ What actually happens in a margin call

✔️ Why diversification and investment selection matter more than leverage

✔️ A 10-year real-world scenario leveraging the S&P 500, including realistic Australian borrowing costs

✔️ Behavioural mistakes investors make during market volatility

✔️ Margin lending versus property gearing

✔️ Who this strategy may be suitable for – and who should avoid it

This episode is designed for high-income professionals, long-term investors and anyone looking to build wealth through disciplined, strategic investing.

📩 Contact Candice & Felicity

If you’d like to learn more or discuss your personal financial strategy, you can reach out to us directly:

📧 cftgroup@shawandpartners.com.au

🌐 www.cftgroup.com.au

Or connect with us on LinkedIn:

Candice Bourke & Felicity Thomas

⚠️ Disclaimer

This podcast is hosted by Candice Bourke and Felicity Thomas both Financial Advisers at Shaw and Partners AFSL 236048. The information discussed is general in nature and does not take into account your personal objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice and seek professional advice tailored to your circumstances.

Any views expressed are those of the hosts at the time of recording and may change. Past performance is not a reliable indicator of future performance. Investing involves risk, including the loss of capital. Borrowing to invest, including margin lending, can magnify gains and losses and may not be suitable for all investors.

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Borrowing to Invest 📈: Smart Wealth Strategy or Risky Move?

Talk Money To Me

Borrowing to Invest 📈: Smart Wealth Strategy or Risky Move?