The Strategy Stacker - Luke Talks Money

Luke on 2CC – Gearing your portfolio: How to do it and what to consider?


Listen Later

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 28 February 2025. The topic for this week is: The Gearing Strategy. You might have heard about it through residential property investment but did you know that there are 3 key ways gearing can work when investing? In this episode Luke explores these 3 ways and some of the important issues you might consider when using the gearing strategy to help you grow your investments. Of course gearing doesn’t come without risk, so as always, seek advice if you need help. 

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

  • What is gearing?
  • What are the three key ways you can go about gearing and how do they work?
  • Gear an investment against a home or investment property
  • Gear against a margin loan (also called margin lending)
  • Gear using an investment asset that is internally geared (that is, it’s managed within the investment such as an Exchange Traded Fund or a Managed Fund)
  • What is a margin call and what do you have to do when it happens?
  • What is your asset allocation and why should you consider it when gearing?
  • What time frame is appropriate for using a gearing strategy?
  • What is your income profile and why does it matter?
  • What is your true attitude towards risk?
  • What is your loan to value ratio when using the gearing strategy?
  • Luke shares his top issues to consider before you use a gearing strategy for your investment portfolio.
  • https://www.envisionfinancial.com.au/wp-content/uploads/2025/03/The-Strategy-Stacker-Luke-Talks-Money-28022025.mp3

    Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’


    Are you considering using the gearing strategy to help you grow your investment portfolio?
    There are 3 primary ways your can use gearing within your own investment portfolio. It’s important to remember though, the gearing strategy is not without risk. This means there are some important issues you should consider before using this investment strategy. Seek advice if you need help.

    Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your situation.

    Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

    We look forward to your company again. Luke’s book Smart Money Strategy is out now.  


    ...more
    View all episodesView all episodes
    Download on the App Store

    The Strategy Stacker - Luke Talks MoneyBy Luke Smith


    More shows like The Strategy Stacker - Luke Talks Money

    View all
    The Money Puzzle, with James Kirby by The Australian

    The Money Puzzle, with James Kirby

    44 Listeners

    Your Wealth by NAB

    Your Wealth

    6 Listeners

    Investopoly by Stuart Wemyss

    Investopoly

    14 Listeners

    money money money by Glen James

    money money money

    54 Listeners

    The Elephant In The Room Property Podcast | Inside Australian Real Estate by Veronica Morgan & Chris Bates

    The Elephant In The Room Property Podcast | Inside Australian Real Estate

    14 Listeners

    Australian Investors Podcast by Rask

    Australian Investors Podcast

    21 Listeners

    Super Insider by Australian Retirement Trust

    Super Insider

    2 Listeners

    Australian Finance Podcast by Rask

    Australian Finance Podcast

    27 Listeners

    Investing Compass by Morningstar Australia

    Investing Compass

    26 Listeners

    The Money Café with Alan Kohler by Intelligent Investor

    The Money Café with Alan Kohler

    33 Listeners

    Friends With Money by Money Magazine

    Friends With Money

    13 Listeners

    Retire Right by Glen James

    Retire Right

    19 Listeners

    Aussie FIRE | Financial Independence Retire Early by Hayden Smith & Dave Gow

    Aussie FIRE | Financial Independence Retire Early

    2 Listeners

    Prime Time with Bec Wilson by 9Podcasts

    Prime Time with Bec Wilson

    19 Listeners

    Australian Retirement Podcast by Rask

    Australian Retirement Podcast

    5 Listeners