Geared ETF Calculator

Trust / Personal · NAB margin loan (margin calls apply) · each purchase split cash + loan at your LVR; actual LVR then drifts with the market · pre-tax unless noted · planning estimate, not advice

Inputs

ETF preset

Starting total balance (holdings + loan) $200,000

Monthly purchase (cash + loan) $3,000

Target LVR 40%

Facility limit (max loan) $100,000

Interest rate (p.a.) 8.75%

Loan interest

Expected capital growth (p.a.) 6.5%

Distribution yield (p.a.) 3.0%

Distributions used to

Extra loan paydown — cash / mo $0

Horizon 10 yrs

Tax entity

Marginal / tax rate 45%

Distribution franking 18%

Margin-call LVR (NAB Base) 80%

Downside stress (market drop) −30%

Model after-tax (negative gearing)

selections auto-saved on this device

Your equity — geared vs ungeared

Geared equity Ungeared equity Loan

Geared ETF Calculator

Inputs

Your equity — geared vs ungeared

End equity at different LVRs (everything else held constant)

Where to house the gearing — Trust vs Personal (after-tax)

Year-by-year

Geared ETF Calculator

Inputs

Your equity — geared vs ungeared

End equity at different LVRs (everything else held constant)

Where to house the gearing — Trust vs Personal (after-tax)

Year-by-year YearMonth

Year-by-year