07 3262 6585 Book a time

Picture Book · Debt recycling

Losses get bigger too

Story pages

A man in his late forties with a beard jogging along a beachfront path at sunrise
Meet Hamish. He's 48 and wants to grow his investments faster.
A set of bicycle gears and a chain close up
Borrowing to invest is also called gearing.
A kite flying high over a grassy headland
When markets rise, gearing can make gains bigger.
Waves pulling back down a sandy beach
When markets fall, it makes losses bigger too.
A heavy backpack resting on a bench at the start of a bush track
He still has to repay the loan and the interest, even if the investment falls in value.
A man in his late forties planting a young gum tree in a backyard
Moneysmart describes borrowing to invest as a medium to long-term strategy of at least five to ten years.

The end

Want this for your situation?

Every situation is different. One of our advisers can help you work out what applies to you.

Book an appointment with one of our advisers

Next story: Your home on the line

General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

1 / 7

Swipe, use the arrows, or press ← → on your keyboard.

Want this for your situation?

Every situation is different. One of our advisers can help you work out what applies to you.

Book an appointment with one of our advisersor call 07 3262 6585

Keep exploring: More debt recycling stories · All picture books · Age Pension what-if planner · Cost-of-living help for homeowners