Geared ETF Calculator

Trust / Personal · NAB margin loan (margin calls apply) · maintains a target overall LVR with ongoing contributions · pre-tax unless noted · planning estimate, not financial advice

Inputs

ETF preset

Starting equity (your $) $100,000

Monthly contribution $2,000

Target LVR 40%

Interest rate (p.a.) 8.75%

Expected capital growth (p.a.) 6.5%

Distribution yield (p.a.) 3.0%

Horizon 10 yrs

Trust tax rate (main projection) 30%

Personal marginal rate (for compare) 45%

Margin-call LVR 70%

Downside stress (market drop) −30%

Model interest after-tax (deductible)

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