{"id":61247,"date":"2026-10-22T10:12:58","date_gmt":"2026-10-22T14:12:58","guid":{"rendered":"https:\/\/www.fprofessionnels.com\/?p=61247"},"modified":"2026-10-22T10:12:58","modified_gmt":"2026-10-22T14:12:58","slug":"is-it-right-for-me-using-a-leveraged-loan-to-invest","status":"publish","type":"post","link":"https:\/\/www.fprofessionnels.com\/en\/is-it-right-for-me-using-a-leveraged-loan-to-invest\/","title":{"rendered":"Is it right for me? Using a leveraged loan to invest"},"content":{"rendered":"<h3>1 &#8211; What is a leveraged loan?<\/h3>\n<p>It\u2019s an <strong>investment strategy<\/strong> that involves <strong>borrowing to invest<\/strong>, usually in <strong>non-registered investments<\/strong> (at your personal level or within your corporation). The loan makes it possible for you to <strong>invest more<\/strong> than if you were only using your own savings.<\/p>\n<ul>\n<li>This strategy adds value when the <strong>after-tax return<\/strong> is <strong>greater<\/strong> than the <strong>cost of borrowing<\/strong> (loan interest rate).<\/li>\n<li>It\u2019s <strong>riskier<\/strong> than a traditional investment so your <strong>risk tolerance<\/strong> must be very high and you must understand what these risks are.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<div class=\"fonds-encadre\">\n<p style=\"text-align: left;\"><strong>Did you know that&#8230; <\/strong>if the strategy <strong>works<\/strong>, the rate of return is <strong>amplified<\/strong>.<\/p>\n<p style=\"text-align: left;\">If it <strong>doesn\u2019t<\/strong>, is also <strong>magnified<\/strong>, as is the<strong> risk <\/strong>involved in the strategy.<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<h3>2 \u2013 How does it work?<\/h3>\n<table width=\"633\">\n<tbody>\n<tr>\n<td colspan=\"5\" width=\"633\">\n<p><strong>Leveraged loan vs conventional savings<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\" width=\"633\">\n<p><strong>When the outcome is positive<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"226\">\n<p><strong>Amount invested in securities<\/strong><\/p>\n<\/td>\n<td width=\"85\">\n<p><strong>Annual rate of interest on loan<\/strong><\/p>\n<\/td>\n<td width=\"104\">\n<p><strong>Annual interest payments on loan<\/strong><\/p>\n<\/td>\n<td width=\"113\">\n<p><strong>After-tax g <\/strong><\/p>\n<\/td>\n<td width=\"104\">\n<p><strong>After-tax gain or loss from leveraged loan<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"226\">\n<p>$100,000 (leveraged loan)<\/p>\n<\/td>\n<td width=\"85\">\n<p>5%<\/p>\n<\/td>\n<td width=\"104\">\n<p>$5,000<\/p>\n<\/td>\n<td width=\"113\">\n<p>$7,000<\/p>\n<\/td>\n<td width=\"104\">\n<p><strong>+$2,000<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"226\">\n<p>$5,000 (conventional savings)<\/p>\n<\/td>\n<td width=\"85\">\n<p>N\/A<\/p>\n<\/td>\n<td width=\"104\">\n<p>N\/A<\/p>\n<\/td>\n<td width=\"113\">\n<p>$350<\/p>\n<\/td>\n<td width=\"104\">\n<p>N\/A<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"226\">\n<p>&nbsp;<\/p>\n<\/td>\n<td width=\"85\">\n<p>&nbsp;<\/p>\n<\/td>\n<td width=\"104\">\n<p>&nbsp;<\/p>\n<\/td>\n<td width=\"113\">\n<p>&nbsp;<\/p>\n<\/td>\n<td width=\"104\">\n<p>&nbsp;<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\" width=\"633\">\n<p><strong>When the outcome is negative<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"226\">\n<p><strong>Amount invested in securities<\/strong><\/p>\n<\/td>\n<td width=\"85\">\n<p><strong>Annual rate of interest on loan<\/strong><\/p>\n<\/td>\n<td width=\"104\">\n<p><strong>Annual interest payments on loan<\/strong><\/p>\n<\/td>\n<td width=\"113\">\n<p><strong>After-tax growth (0%) generated by non-registered investments<\/strong><\/p>\n<\/td>\n<td width=\"104\">\n<p><strong>After-tax gain or loss from leveraged loan <\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"226\">\n<p>$100,000 (leveraged loan)<\/p>\n<\/td>\n<td width=\"85\">\n<p>5%<\/p>\n<\/td>\n<td width=\"104\">\n<p>$5,000<\/p>\n<\/td>\n<td width=\"113\">\n<p>$0<\/p>\n<\/td>\n<td width=\"104\">\n<p><strong>-$5,000<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"226\">\n<p>$5,000 (conventional savings)<\/p>\n<\/td>\n<td width=\"85\">\n<p>N\/A<\/p>\n<\/td>\n<td width=\"104\">\n<p>N\/A<\/p>\n<\/td>\n<td width=\"113\">\n<p>$0<\/p>\n<\/td>\n<td width=\"104\">\n<p>N\/A<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"226\">\n<p>&nbsp;<\/p>\n<\/td>\n<td width=\"85\">\n<p>&nbsp;<\/p>\n<\/td>\n<td width=\"104\">\n<p>&nbsp;<\/p>\n<\/td>\n<td width=\"113\">\n<p>&nbsp;<\/p>\n<\/td>\n<td width=\"104\">\n<p>&nbsp;<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"226\">\n<p>&nbsp;<\/p>\n<\/td>\n<td width=\"85\">\n<p>&nbsp;<\/p>\n<\/td>\n<td width=\"104\">\n<p>&nbsp;<\/p>\n<\/td>\n<td width=\"113\">\n<p>&nbsp;<\/p>\n<\/td>\n<td width=\"104\">\n<p>&nbsp;<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u00a0<\/strong><\/p>\n<h3>3 &#8211; What are the best features of this strategy?<\/h3>\n<h4>\u00a0<\/h4>\n<h4>Deductible interest<\/h4>\n<ul>\n<li><strong>At the<\/strong> <strong>federal level<\/strong> \u2013 If you invest the borrowed funds in <strong>non-registered investments<\/strong>, the interest is <strong>tax deductible<\/strong> <strong>against income<\/strong> for the applicable year. Although the interest is <strong>not deductible<\/strong> when the borrowed funds are invested in a <strong>registered savings<\/strong> <strong>account<\/strong>, t<\/li>\n<li><strong>In Qu\u00e9bec<\/strong> \u2013 The <strong>amount<\/strong> of <strong>deductible investment expenses<\/strong> is limited to the <strong>amount<\/strong> of <strong>investment income<\/strong><a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a> earned during the tax year. If you don\u2019t deduct your investment expenses in a given year, they may be <strong>carried back up to three years<\/strong> or <strong>forward indefinitely<\/strong>. This provincial rule applies only to <strong>individuals<\/strong>, not corporations<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a>.<\/li>\n<\/ul>\n<h4>\u00a0<\/h4>\n<h4>Taxation of different types of investment income<\/h4>\n<ul>\n<li>To determine whether this strategy is profitable for you, you have to consider the <strong>tax payable<\/strong> on the various types of <strong>income and gains<\/strong> generated by your investments.<\/li>\n<\/ul>\n<div class=\"fonds-encadre\">\n<p><strong>Did you know that\u2026<\/strong> when using a leveraged loan, it\u2019s generally recommended to hold equity securities that generate <strong>significant dividends<\/strong> as this increases the likelihood of <strong>deducting interest<\/strong> on your provincial tax return and optimizes the overall <strong>tax efficiency<\/strong> of the strategy.<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<h3>4 \u2013 Which pitfalls should you avoid?<\/h3>\n<ul>\n<li><strong>Psychological pressure<\/strong> \u2013 Don\u2019t <strong>sell<\/strong> you investments when they <strong>decrease in value<\/strong>: sell securities when they achieve a good return and use the <strong>realized gains<\/strong> to purchase more<strong> stable securities<\/strong> to reduce your exposure to losses.<\/li>\n<li><strong>Loss from fixed income securities<\/strong> \u2013 Their <strong>rate of return<\/strong> is generally <strong>lower<\/strong> than the borrowing rate, so they should be avoided.<\/li>\n<li><strong>Riskier products<\/strong> \u2013 They are potentially <strong>more profitable<\/strong>, but <strong>highly volatile<\/strong> and they may <strong>lose value<\/strong> over long periods.<\/li>\n<li><strong>Tax changes<\/strong> \u2013 Over time, the <strong>deductibility <\/strong>of the<strong> interest<\/strong> paid could be changed or cancelled.<\/li>\n<li><strong>Loan conditions<\/strong> \u2013 If your investment <strong>loses value<\/strong>, you may have to <strong>repay <\/strong>all or a portion of your loan, which could cause you a <strong>liquidity problem<\/strong>.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3>5 &#8211; Can you deal with the risk involved?<\/h3>\n<h4>\u00a0<\/h4>\n<h4>Answer these questions honestly:<\/h4>\n<ul>\n<li>How much <strong>risk<\/strong> can I handle and still feel comfortable? Will the <strong>stress<\/strong> keep me awake at night?<\/li>\n<li>Will I feel compelled to <strong>check<\/strong> my investments daily, or can I trust that <strong>time<\/strong> is on my side?<\/li>\n<\/ul>\n<p><strong>\u00a0<\/strong><\/p>\n<h4>You could go forward if the following statements apply to your situation:<\/h4>\n<ul>\n<li>According to my investor profile, I have a <strong>high-risk tolerance<\/strong>.<\/li>\n<li>I understand there are <strong>no fixed income securities<\/strong> in my portfolio and therefore my investments could be <strong>more volatile<\/strong>.<\/li>\n<li>I will have no problem <strong>repaying my leveraged loan<\/strong> (<strong>capital<\/strong> and <strong>interest<\/strong>), whatever happens.<\/li>\n<li>My <strong>financial stability<\/strong> would be unaffected by a <strong>sudden drop<\/strong> in the <strong>value <\/strong>of my investments.<\/li>\n<\/ul>\n<h4>Remember time is key. The money you invest should <u>stay invested<\/u> for a long period (at least 5 to 10 years).<\/h4>\n<p>&nbsp;<\/p>\n<div class=\"fonds-encadre\">\n<h3>So, should I get a leveraged loan or not?<\/h3>\n<p>Implementing a leverage strategy is a decision that you should not take lightly. Before considering it, first maximize your tax shelters[LL1.1] (FHSA, RRSP, TFSA, RESP). Talk to your Wealth Management Advisor and your tax professional to understand the risks and determine if this is right for you[M<\/p>\n<\/div>\n<p>.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.fprofessionnels.com\/en\/contact-us\/\">CONTACT A MEMBER OF OUR TEAM<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"note\"><sup><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <\/sup>Includes grossed up dividends from taxable Canadian corporations, interest income, the taxable portion of capital gains not otherwise exempt and other less common types of investment income.<\/span><\/p>\n<p><span class=\"note\"><sup><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a><\/sup> Corporations may deduct interest expenses regardless of investment income.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You may have heard or read that a leveraged loan can be useful to create your investment portfolio. Early on in your career, getting such a loan could be easier than waiting to have enough of your own money saved up to build your equity. Is it a good strategy for you? Let\u2019s take a closer look.<\/p>\n","protected":false},"author":1047,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[1],"tags":[],"categorie-profession":[],"class_list":["post-61247","post","type-post","status-publish","format-standard","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.6 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Is it right for me? 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