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Personal Finance Topics / Retirement Investing
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Author: rayvt   😊 😞
Number: of 1171 
Subject: Re: Second order effects - asset depletion loans
Date: 12/13/25 10:29 AM
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basing my ability to get a mortgage on my investment accounts or a percentage of them would seem to be risky in the case of a falling market. I would assume that if the accounts fell below a certain level that the mortgage would be called

I looked into one of these with Merrill Lynch a long time ago.

The documents explicitly said that if the investment account dropped below $XX they would call the loan.

Insanely risky. The interest was the going rate, but liquidation would be like a margin loan.
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