Plan
Demo mode: explore freely; saving needs a signed-in owner.
- Draw$on
- Buy$of
- Market fallby%
Step by step
- Drew $21,000 on Maple Family Trust second line.
- Bought $21,000 of VTI in an account pledged to Maple Family Trust second line.
- Markets fell 30%: holdings lost about $362,879.
Consequences
before → after- Net worth
- $2,414,326−$363k
- After tax due
- $2,414,326est.−$363k
- Reachable in a week
- $574,425est.−$119k
- Tax due
- $0est.—
- Tax if all sold
- $268,869est.−$54.8k
- Interest a year, net
- $53,430est.+$914
- Income a year
- $6,169est.+$279
- Largest position: VTI
- 14.8%−1.9 pts
Credit lines
- Maple Family Trust lineAbove comfortUsed73.2%Room$36.7kest.To a call26.9%est.
- Maple Family Trust second lineCall (estimated)Used104.9%Room$0est.To a call0.0%est.
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$455k
- Within a month$692k
- 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.