{"id":3166,"date":"2025-07-25T12:52:10","date_gmt":"2025-07-25T16:52:10","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/borrow-to-invest-the-ups-and-downs-of-leverage-in-your-portfolio\/"},"modified":"2025-07-25T12:53:56","modified_gmt":"2025-07-25T16:53:56","slug":"borrow-to-invest-the-ups-and-downs-of-leverage-in-your-portfolio","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/borrow-to-invest-the-ups-and-downs-of-leverage-in-your-portfolio","title":{"rendered":"Borrow to invest: The ups and downs of leverage in your portfolio"},"content":{"rendered":"\n

Borrowing money today to invest in the future<\/a> is a strategy many successful investors have used at the advice of their advisor to reach their personal and financial goals\u2014whether it\u2019s buying a house, paying for an education or starting a business.<\/p>\n\n\n\n

A less common, but equally forward-looking strategy for some, is borrowing<\/a> to build an investment portfolio that includes stocks, bonds and investment funds.<\/p>\n\n\n\n

Taking on debt to secure investments may seem counterintuitive to some but the potential returns may be lucrative if done strategically, says Tony Maiorino<\/a>, vice president and head of the Family Office Services team at RBC Wealth Management Canada.\u201cBorrowing is something people do every day\u2014for a car, a home or a vacation property,\u201d says Maiorino. \u201cThe question is, should you borrow to invest money in the markets? The answer to that question is much more complex.\u201d<\/p>\n\n\n\n

Borrowing to invest means you can deploy large amounts of capital either all at once or over a period of time. The interest, for those investing in publicly traded securities, may also be tax deductible. One risk is an investment made from borrowed money may drop in value, which could be less of a concern if it’s a long-term move. Additionally, the cost of the loan over time may become higher than the profit made from it.<\/p>\n\n\n\n

Maiorino says investors looking to leverage their investment portfolio need to ensure this strategy meets their overall financial goals, and tolerance for risk. This is best done with the support of an advisor who can provide the advice and guidance necessary to make impactful investment decisions.<\/p>\n\n\n\n

\u201cDone in a diversified and careful way, borrowing to invest can be as valuable as investing in a home over the long term,\u201d he says. \u201cTo me, it\u2019s about the individual and ensuring the strategy is right thing for them.\u201d<\/p>\n\n\n\n

Starting early to build wealth<\/h2>\n\n\n\n

Borrowing to invest can begin even before someone has built up a sizeable investment portfolio, Maiorino says. For instance, an investor in their 20s or 30s might consider borrowing to contribute to a registered retirement savings plan (RRSP) each year. Deductible RRSP contributions can be used to reduce personal income tax.<\/p>\n\n\n\n

Investors can then use their tax refund to repay a portion of the loan and then, ideally, work to repay the remainder later in the year, Maiorino says. The process can then be repeated to help build wealth over time.<\/p>\n\n\n\n

\u201cIf you can afford it, and can make the payments, it can be an effective approach,\u201d says Maiorino.<\/p>\n\n\n\n

\u201cThe one thing you can\u2019t get back is time,\u201d Maiorino says. \u201cIf you start retirement savings at age 25, by the time you\u2019re 35, you\u2019ll have 10 years of investments,\u201d plus any accumulated growth. \u201cThat\u2019s something a person who starts investing at age 35 is never going to have.\u201d<\/p>\n\n\n\n

Borrowing to grow your wealth<\/h2>\n\n\n\n

While affluent Canadians typically don\u2019t have to use credit, they often choose to use it to their advantage. \u201cHigh-net-worth clients tend to use it on a discretionary basis to create more wealth,\u201d says Kim Mason<\/a>, executive vice president and head at RBC Private Banking.<\/p>\n\n\n\n

For example, clients with significant home equity might leverage it to buy an investment property or help their children purchase their first home in high-cost markets like Toronto or Vancouver, she adds. <\/p>\n\n\n\n

Another advantage to borrowing against a portfolio is there\u2019s no formal credit application and the loan can be provided relatively quickly.<\/p>\n\n\n\n

\n

Turning credit into wealth<\/h4>\n\n\n\n

Discover how RBC Private Banking can help you leverage credit to achieve your wealth goals.<\/p>\n\n\n\n

\nLEARN MORE<\/a>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

Developing a long-term investment strategy<\/h2>\n\n\n\n

Whether borrowing to invest is the right strategy depends on the investor\u2019s longer-term objectives, Maiorino says.<\/p>\n\n\n\n

For instance, leveraging an investment account might make sense for a millennial investor saving for retirement decades down the road, or a baby boomer setting up an investment account for their child to access when they\u2019re an adult. \u201cYou have to have a long-term approach,\u201d Maiorino says.<\/p>\n\n\n\n

Investors should also understand how the markets work, including the potential for extreme volatility. Someone who panics when they see the markets drop may not be well-suited for the strategy, Maiorino cautions.<\/p>\n\n\n\n

Asking for professional advice<\/h2>\n\n\n\n

Maiorino recommends people seek advice from qualified professionals when borrowing to invest, given the complexity and risks involved. An advisor can help determine whether the approach is recommended based on the investor and their unique objectives and goals. They can also ensure the investor is properly diversified in case some of their assets decrease in value over time. He also recommends seeking out tax advice should you be looking to deduct the interest on the investment loan. <\/p>\n\n\n\n

\u201cAn investment may seem affordable today, only to discover that it becomes a lot more affordable in a year,\u201d Maiorino says. \u201cIt\u2019s important to work with people who\u2019ll help you build a diversified portfolio that will, ideally, insulate you from losses over the long term the best way they can.\u201d<\/p>\n\n\n\n

In the end, the decision of whether to borrow to invest comes down to an individual\u2019s financial circumstances, needs and goals, as well as their risk profile.<\/p>\n\n\n\n

This article was updated in July 2025.<\/em><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Investors looking to leverage their investment portfolio need to ensure this strategy meets their overall financial goals, and tolerance for risk.<\/p>\n","protected":false},"author":26,"featured_media":29028,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[235,255],"tags":[269,852],"rbcwm_content_owner":[],"rbcwm_need":[68,84],"rbcwm_segment":[75,66],"rbcwm_solution":[67,129],"rbcwm_topic":[113,94],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-3166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-global-wealth","category-investing","tag-investing","tag-investment-porfolio","rbcwm_need-grow","rbcwm_need-protect","rbcwm_segment-business-owners-and-entrepreneurs","rbcwm_segment-individuals-and-families","rbcwm_solution-banking","rbcwm_solution-investments","rbcwm_topic-your-business","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"Investors looking to leverage their investment portfolio need to ensure this strategy meets their overall financial goals, and tolerance for risk.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":[],"disclaimer_footnote":"Leverage risk disclosure statement: Using borrowed money to finance the purchase of securities involves greater risk than using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines.\r\n\r\nIn Quebec, financial planning services are provided by RBC Wealth Management Financial Services Inc. which is licensed as a financial services firm in that province. In the rest of Canada, financial planning services are available through RBC Dominion Securities Inc."},"rbcwm_insight_cta_id":[11937],"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nBorrow to invest: The ups and downs of leverage in your portfolio<\/title>\n<meta name=\"description\" content=\"Investors looking to leverage their investment portfolio need to ensure this strategy meets their overall financial goals, and tolerance for risk.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/borrow-to-invest-the-ups-and-downs-of-leverage-in-your-portfolio\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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