MMI have used a m/l for over 10 yrs, have done very well.using...

MM

I have used a m/l for over 10 yrs, have done very well.

using your car analagy, its like driving an old bomb that hasnt been serviced in years accross a large desert without water.

Either take water(extra funds) or get a better car, a (larger cap stock)wich is less likely to break down(get the LVR pulled or reduced)

Individualising the loan makes absolutly no difference, you have not explained how it does. i would appreciate a response on how it does minimise the risk?

With relation to doing homework i suggest you look at any M/L over the last six months or more and see what has happened to LVRs for stocks that have had liquidity or market cap reduce.

To sum up is is a niave comment to say that it is indifferent between using m/l and fully funded purchases. I consider it dangerous to make that statement to people on HC that do not understand that it is riskier. I never stated not to do it just make sure you know the difference