NEW - Borrowing Against Your Investments: Good Idea or Trap?

Shane Hewitt and The Nightshift · Jul 3, 2026 · 19m

Wealth Simple is expanding fast and Vincent Gregoire, Canada Research Chair in Finance and Technology at HEC Montreal, is paying close attention. Lower fees and less friction are good for investors. The new ability to borrow against your portfolio, including potentially your registered retirement savings, is where the conversation gets harder.

The mechanics are straightforward: hold a thousand dollars in stocks, access a thirty percent line of credit against them without selling and without triggering a tax bill. Use that money to reinvest, cover expenses, or do what you want. It levels the…