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It's through Colonial and is their Calia product. Basically its a LOC with a margin loan attached, the Margin loan limit is a bit over double the value of the LOC amount. Leveraged equities also then provided a margin loan at the same rate (negotiated) as the Calia product was over exposed to...

Bill I pay 6.8% on my margin loans. As I have already mentioned overall I pay about 4% because of the buffer I utilise. This ensures a SF for me. If the worst happens so be it, I can weather it. You say "If it is a LOE strategy in retirement, I would be looking for the safety of low debt/no...

Hi All Interesting discussion and I like your figures Bill. I must put up my hand as being in the Alan H camp. I am 50 and we are following a version of the strategy that Alan has outlined. Where we vary, and in part reflecting the risks that Bill has outlined, we have utilised margin lending...