A margin loan exclusive to Leveraged.
Features of the Investment Funds Multiplier
- Connect with most major online platforms and selected brokers
- A diverse and frequently reviewed acceptable investment list
- Manage your loan through a repayment plan
Investment Funds Multiplier
A margin loan with a repayment plan
With the Investment Funds Multiplier (IFM) you can borrow to invest with the added benefit of managing your loan through a repayment plan. For example, in the event of a significant and sustained fall in portfolio value, your IFM facility may be subject to a repayment plan, and you could progressively reduce the loan by repaying 1% of the total amount owing each month - until the gearing level is restored to an acceptable level. This provides you with greater certainty about the amount you have to pay to reduce the loan borrowed over time, rather than receiving a single margin call.
Benefits
Increase your investment capacity
Leverage an existing portfolio or create a new investment portfolio to boost your investment capacity and diversify your assets.
Diversification
Access more funds to diversify your investments into different asset classes, industries and companies.
Liquidity
Additional liquidity without selling assets so you can take advantage of investment opportunities when they arise.
Flexibility
A number of ways to pay interest and operate your Margin Loan facility with your other investment accounts and services.
Tax effectiveness
You may be entitled to claim an income tax deduction for some or all of your borrowing costs depending on your individual circumstances.1
Repayment plan
Market and other events may occur that result in your loan becoming due for repayment in a short period. IFM has a repayment plan which aims to reduce the amount borrowed to an acceptable level over time rather than a single margin call.
Risks
Changes in portfolio values and interest rates
If the net return on your investments is less than your borrowing costs, then you may earn a lower return or incur a larger loss than not borrowing to invest or not investing at all. A fall in the value of your investments may trigger a margin call. There may also be interest rate changes. For example, an increase in the variable interest rate will increase your borrowing costs.
Events triggering early repayment and loan repayment
Events such as Margin Calls, market disruptions, credit limit exceeds, default events or termination can result in some or all of your loan being due for payment in a short period and/or immediately. You are also required to repay the total loan amount when declared due regardless of any net sale proceeds.
Reliance on others and legislative changes
You are reliant on the operations, policies and procedures of the lender, nominee and sponsor, as well as any authorised person or agent you appoint for your loan account. Legislative changes may also impact your facility.
Add on features
Product documents
You can find a list of acceptable investments, forms, the PDS and product guide for Investment Funds Multiplier.
Select what to display below
Product documents
Manage facility details forms
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Leveraged Change of Address Contact and Margin Call Notification Detailspdf, 572 KB
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Leveraged Change of Namepdf, 564 KB
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Leveraged Nominate Broker or Financial Adviserpdf, 587 KB
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Leveraged Nominate and Revoke Authorised Personpdf, 1.3 MB
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Leveraged Change Bank Account Detailspdf, 673 KB
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Leveraged Removal of Guarantorpdf, 662 KB
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Leveraged Solicitors Trust Opinionpdf, 578 KB
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Leveraged Accountants Declarationpdf, 122 KB
Investment forms
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Australian Standard Transfer Formpdf, 499 KB
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Leveraged Notification of Tax File Numberpdf, 1.2 MB
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Leveraged Direct Credit of Dividends and Distributionspdf, 577 KB
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Leveraged Managed Fund Pledgepdf, 577 KB
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Leveraged Managed Fund Redemption, Switch or Release Instructionspdf, 1.3 MB
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Leveraged Security Transfer Margin Loanpdf, 157 KB
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Leveraged Nominate or Maintain a Platformpdf, 134 KB
Helpful links
Get in touch
Phone
1300 307 807
+61 2 8282 8282 (If calling from overseas)
8:30am - 5:30pm AEST/AEDT
Monday - Friday
Online
Send us an online enquiry or email customerservice@leveraged.com.au
GPO Box 5388,
Sydney, NSW, 2001
Things you should know
1This information does not constitute financial or tax advice. We recommend that you obtain your own independent financial and tax advice on the risks and suitability of this type of investment and to determine whether your interest costs will in fact be fully deductible in the current financial year in your particular circumstance.
Gearing involves risk. It can magnify your returns; however, it may also magnify your losses.
The Leveraged Equities Investment Funds Multiplier is issued by Leveraged Equities Limited (ABN 26 051 629 282, AFSL 360118) as Lender and as a subsidiary of Bendigo and Adelaide Bank Limited (ABN 11 068 049 178 AFSL 237879). The information on this website contains general advice only and does not take into account your personal objectives, financial situation or needs. Terms, conditions, fees, charges and normal lending criteria apply.
Please consider your personal circumstances, consult a professional financial adviser and read the Product Disclosure Statement and Incorporated Statements (together, the 'PDS') and Product Guide, together with the terms and conditions applying to the product or service, before making an investment decision. To obtain a copy of the PDS and relevant information please call 1300 307 807, visit the individual product pages on this website, or contact your financial adviser. Not available for a self-managed superannuation fund
