Macquarie Investment Funds Multiplier

Features and benefits

The Macquarie Investment Funds Multiplier allows investors to gear, or borrow to invest, without the worry of margin calls during times of market uncertainty however where your gearing ratio rises to a level that is not acceptable to the Lender, your facility will become subject to a Principal Repayment Plan. The Principal Repayment Plan replaces the single margin call payment of a typical margin loan and may help you to progressively reduce your gearing ratio. 

With Macquarie Investment Funds Multiplier, you can:

• borrow funds to increase your available funds for investing
• invest in your choice of Eligible Property including in managed funds, trusts or master trusts
• use your existing portfolio as security to increase your investments
• invest as an up-front lump sum ($20,000 minimum loan) or through regular monthly instalments ($2,000 minimum loan)
• automatically deduct investment income you receive from your loan repayments
• potential to claim loan interest as a tax deduction where the loan is used for investment purpose

More information

Features at a glance.

• Ability to invest in a wide range of securities at competitive Loan to Value Ratios.
• Loan types - Lump Sum Gearing, Instalment Gearing.
• Eligible Property – invest in managed funds, trusts or master trusts.
• No margin calls however if your gearing ratio rises to a level that is not acceptable to the Lender, a Principal Repayment Plan will be initiated. This replaces the single margin call payment of a typical margin loan and may help you to progressively reduce your gearing ratio.
• Variable interest paid monthly in arrears.
• Fixed interest rates paid annually in advance or monthly in arrears.
• Interest payments are to be met from borrower’s own funds; capitalising interest to the loan is not permitted.
• $20,000 minimum loan amount – Lump Sum Gearing.
• $2,000 minimum loan amount – Instalment Plus (with minimum $250 monthly equity contributions).

The power of regular saving

Regular savings + regular loan advances = Instalment Plus.

Instalment Plus is a simple investment strategy that combines scheduled monthly savings, borrowing and investing into managed funds of your choice through your Macquarie Investment Funds Multiplier. Every investment you make will contain a portion of borrowed funds, so Instalment Plus can be a convenient way of accumulating wealth over time as you earns income. Managed funds are particularly suitable for regular investing because you can make multiple small investments without incurring prohibitive transaction costs.