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To me there is no difference paying $20k on a margin call and losing $20k on the stock. And you're also paying interest on the $20k in the offset account. To me, not a good wealth strategy. But as you say we're all different. Good luck mate.

What i meant is that if you have $100k in the market and receiving for eg 30% return. Then be happy with $30k pa. But if you want more and take a margin loan to give you $200k in the market and $60k pa be prepared for the inevitable risk and eventual margin calls. The more money you have...

The reason people margin loan is to increase their return. It goes without saying that this increases risk. To a point where its unnecessary. If you're happy with less return, don't margin loan. Then again, most people don't have a lot of cash to put in the stockmarket for a decent return so...

There's certainly enough risk in buying shares without margin loans. I would just buy less shares without margin loans. The cash you have to use for the margin calls are compromising your overall performance from your share portfolio. Worse case, they could seriously damage your wealth...

I'd say efficient risk management is not having the margin loan in the first place. Not being bale to cover it with cash. As for the GFC, what is that? Seriously, i havn't been affected whatsoever due to efficient risk management and not over extending myself. I've actually had a great...