• Start small, think big: $1,000 is all you need to start your Regular Gearing Margin Loan, followed by monthly contributions of whatever amount you choose*
• Put time on your side: A Regular Gearing Margin Loan can help you start investing now, even if you don’t have large amounts of cash ready to invest. By investing now, rather than later, you give your investments time to grow.
• Dollar cost averaging: When you invest the same amount each month, you buy more investment fund units when prices are low and fewer when prices are high. This principle, known as "dollar cost averaging", can help you pay a lower average price per unit, increasing your potential return.
• Liquidity: Most units in investment funds can usually be bought or sold on almost any business day, with clearly defined transaction costs. So, if you need your money for any reason, your assets are much more liquid than some other investments, like residential property.
• Tax-effectiveness: Depending on your situation, you may be able to claim the interest on your Regular Gearing Margin Loan as a tax deduction, offsetting some of your interest costs. You may also be able to reduce your tax if your investments include imputation credits from Australian shares. Your tax adviser can help you understand how a margin loan will affect your individual situation.

For more information on regular gearing, please call one of our Margin Lending Account Managers on 13 17 09 or +61 2 9115 1402 if calling from overseas (Monday to Friday, 8am to 6pm, Sydney time)

*Subject to your fund manager's minimum investment requirements.
See CommSec Margin Loan Risk Disclosure, Important Information and Disclaimer. Consider the product disclosure statement available from the Commonwealth Bank of Australia, as the product issuer, at commsec.com.au before making any decision about the product and whether it is appropriate for you.