Plan
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- Draw$on
- Buy$of
- Market fallby%
Step by step
- Drew $25,000 on Maple Family Trust line.
- Bought $25,000 of VTI in an account pledged to Maple Family Trust line.
- Markets fell 30%: holdings lost about $364,079.
Consequences
before → after- Net worth
- $2,414,326−$364k
- After tax due
- $2,414,326est.−$364k
- Reachable in a week
- $574,425est.−$114k
- Tax due
- $0est.—
- Tax if all sold
- $268,869est.−$57.0k
- Interest a year, net
- $53,430est.+$853
- Income a year
- $6,169est.+$332
- Largest position: VTI
- 14.8%−1.8 pts
Credit lines
- Maple Family Trust lineAbove comfortUsed85.5%Room$21.1kest.To a call14.5%est.
- Maple Family Trust second lineNo drawsUsed0.0%Room$12.7kest.To a callno callest.
Cash you could raise after tax, adding up
Each row includes the ones above it; “Within a week” is the reachable figure.
- Today$130k
- Within a week$460k
- Within a month$697k
- Eventually$1.7M
What these figures assumed (3)
- Market shocks move each holding by its type: funds and retirement accounts 1×, single stocks 1.2×, crypto 1.5×, bonds 0.1×; property, cash and private holdings are held at their values; dividends are assumed unchanged.
- Maple Family Trust line's balance isn't among your synced debts, so it stays out of net worth as on Today; what the scenario draws or repays counts.
- Line interest counts as investment interest, deductible at your ordinary rate when you itemize; loan interest isn't deducted here.
- Consequences only: nothing here says whether to do it.