Macquarie Instalment Gearing

Macquarie Instalment Gearing

The power of regular investing

If you haven't got the money to invest right now, Macquarie Instalment Gearing could work for you. Every contribution you make it matched by borrowed funds, giving you a regular, automated facility in which you save, borrow and invest each month. In this way, you can gradually increase your total investment.

How does Macquarie Instalment Gearing work?

Macquarie Instalment Gearing is a feature of the Macquarie Margin Loan. It incorporates a regular savings option, where the investment is restricted to managed funds. This allows investments to be made in relatively small parcels: the initial investment can be as low as $1,000 and regular investments as little as $250 per month.

You can invest in your choice of over 2,000 managed funds, and you can switch between investments, as long as you maintain the minimum level of security required.

Getting started

Minimum initial loan advance $2,000
Minimum initial contribution $1,000

Regular investments

Minimum loan advance $500 per month
Minimum client contribution $250 per month

For a real world example, see the Macquarie Instalment Gearing case study.

What are the benefits of Macquarie Instalment Gearing?

You can start with small monthly contributions

  • If you find it hard to save or haven't got the money to invest right now, you can start investing with small contributions each month - providing you with an automated savings program.

Potential to purchase more as your investments accumulate

  • As your investment portfolio grows, you can increase your monthly loan advances to build an even larger, more diversified portfolio.

Get time on your side

  • The earlier you start investing, the longer your investment has time to grow.

Dollar cost averaging

  • Because you're making regular investments, you can help smooth out any movement in unit prices.

You won't have to 'time' the market

  • No one can accurately predict the top or bottom of any cycle. Invest regularly and you can just sit back and watch your portfolio grow.

Is Macquarie Instalment Gearing the right choice for you?

Macquarie Instalment Gearing could be an excellent way to invest if you:

  • Want to build a strong portfolio of managed funds, but only have a small amount to invest.
  • Want to accelerate your wealth by regularly investing a combination of your own money and borrowed funds.
  • Have a secure disposable income.

Can I start without any existing savings?

If you don't have any existing savings to start an Instalment Gearing plan, Macquarie's Quick Start Instalment Gearing may be a great option: you can borrow between $2,250 and $5,250 as your initial investment, without contributing any of your own capital upfront.

Find out more

To learn more about Macquarie Instalment Gearing, including the Quick Start option, please:

Ready to apply?

We recommend you obtain professional financial, legal and taxation advice before making any investment decision.

The Macquarie Margin Loan and Macquarie Instalment Gearing are offered by Macquarie Bank Limited ABN 46 008 583 542, AFSL No. 237502 ("Macquarie"). Full terms and conditions are set out in the relevant loan contracts. Fees, charges and government taxes are payable.