温馨提示：本站仅提供公开网络链接索引服务，不存储、不篡改任何第三方内容，所有内容版权归原作者所有
AI智能索引来源：http://www.ms.com/articles/beyond-basic-borrowing
点击访问原文链接

Borrowing Money: Leverage Your Investments | Morgan Stanley

进入原网站 导航首页
Borrowing Money: Leverage Your Investments | Morgan Stanley Investor Relations Media Relations Client Login Client Login Morgan Stanley Online Morgan Stanley at Work Research Portal Matrix

Morgan Stanley Online

Morgan Stanley at Work

Research Portal

Matrix

Our Insights Our Insights Personal Finance Market Trends Technology & Disruption Sustainability Diversity & Inclusion STAY UP TO DATE Sign Up For Our Newsletter Listen To Our Podcasts

At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.

Personal Finance

Learn from our industry leaders about how to manage your wealth and help meet your personal financial goals.

At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.

Market Trends

From volatility and geopolitics to economic trends and investment outlooks, stay informed on the key developments shaping today's markets.

At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.

Technology & Disruption

Whether it’s hardware, software or age-old businesses, everything today is ripe for disruption. Stay abreast of the latest trends and developments.

At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.

Sustainability

Our insightful research, advisory and investing capabilities give us unique and broad perspective on sustainability topics.

At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.

Diversity & Inclusion

Multicultural and women entrepreneurs are the cutting-edge leaders of businesses that power markets. Hear their stories and learn about how they are redefining the terms of success.

Featured 2026 Outlooks Insights Hard Lessons Insights Thoughts on the Market Insights What We Do What We Do Wealth Management Investment Banking & Capital Markets Sales & Trading Research Investment Management Morgan Stanley at Work Sustainable Investing Inclusive & Sustainable Ventures

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Wealth Management

We help people, businesses and institutions build, preserve and manage wealth so they can pursue their financial goals.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Investment Banking & Capital Markets

We have global expertise in market analysis and in advisory and capital-raising services for corporations, institutions and governments.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Sales & Trading

Global institutions, leading hedge funds and industry innovators turn to Morgan Stanley for sales, trading and market-making services.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Research

We offer timely, integrated analysis of companies, sectors, markets and economies, helping clients with their most critical decisions.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Investment Management

We deliver active investment strategies across public and private markets and custom solutions to institutional and individual investors.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Morgan Stanley at Work

We provide comprehensive workplace financial solutions for organizations and their employees, combining personalized advice with modern technology.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Sustainable Investing

We offer scalable investment products, foster innovative solutions and provide actionable insights across sustainability issues.

Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.

Inclusive & Sustainable Ventures

From our startup lab to our cutting-edge research, we broaden access to capital for entrepreneurs and spotlight their success.

Featured Get Matched with a Financial Advisor Wealth Management Explore What We Offer E*TRADE from Morgan Stanley Watch Our Client Success Stories The Morgan Stanley Blueprint About Us About Us Core Values Leadership History Locations Diversity Sustainability Giving Back Technology Sponsorships

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Core Values

Everything we do at Morgan Stanley is guided by our five core values: Do the right thing, put clients first, lead with exceptional ideas, commit to diversity and inclusion, and give back.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Leadership

Morgan Stanley leadership is dedicated to conducting first-class business in a first-class way. Our board of directors and senior executives hold the belief that capital can and should benefit all of society.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

History

From our origins as a small Wall Street partnership to becoming a global firm of more than 80,000 employees today, Morgan Stanley has been committed to clients and communities for 90 years.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Locations

The global presence that Morgan Stanley maintains is key to our clients' success, giving us keen insight across regions and markets, and allowing us to make a difference around the world.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Diversity

Morgan Stanley is differentiated by the caliber of our diverse team. Our culture of access and inclusion has built our legacy and shapes our future, helping to strengthen our business and bring value to clients.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Sustainability

Our firm's commitment to sustainability informs our operations, governance, risk management, diversity efforts, philanthropy and research.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Giving Back

At Morgan Stanley, giving back is a core value—a central part of our culture globally. We live that commitment through long-lasting partnerships, community-based delivery and engaging our best asset—Morgan Stanley employees.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Technology

As a global financial services firm, Morgan Stanley is committed to technological innovation. We rely on our technologists around the world to create leading-edge, secure platforms for all our businesses.

Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.

Sponsorships

At Morgan Stanley, we believe creating a more equitable society begins with investing in access, knowledge and resources to foster potential for all. We are committed to supporting the next generation of leaders and ensuring that they reflect the diversity of the world they inherit.

Careers Careers Students & Graduates Opportunities Experienced Professionals Opportunities Technology Professionals Experienced Financial Advisors

We believe our greatest asset is our people. We value our commitment to diverse perspectives and a culture of inclusion across the firm. Discover who we are and the right opportunity for you.

Students & Graduates

A career at Morgan Stanley means belonging to an ideas-driven culture that embraces new perspectives to solve complex problems. See how you can make meaningful contributions as a student or recent graduate at Morgan Stanley.

We believe our greatest asset is our people. We value our commitment to diverse perspectives and a culture of inclusion across the firm. Discover who we are and the right opportunity for you.

Experienced Professionals

At Morgan Stanley, you’ll find trusted colleagues, committed mentors and a culture that values diverse perspectives, individual intellect and cross-collaboration. See how you can continue your career journey at Morgan Stanley.

We believe our greatest asset is our people. We value our commitment to diverse perspectives and a culture of inclusion across the firm. Discover who we are and the right opportunity for you.

Experienced Financial Advisors

At Morgan Stanley, our premier brand, robust resources and market leadership can offer you a new opportunity to grow your practice and continue to fulfill on your commitment to deliver tailored wealth management advice that helps your clients reach their financial goals.

Featured Explore Our Culture Careers Yes, You Can Be a Tech Innovator at Morgan Stanley Technology CLEAR Wealth Management Beyond Basic Borrowing

Most people borrow during the course of their lives. But it’s important to be as strategic about borrowing as you are with the other areas of your financial life.

Key Takeaways Periodically reviewing your debts can present opportunities to reduce interest costs and enable faster repayment. Securities based loans can be a smart, flexible strategy for debt consolidation. Borrowing against your investments is not right for everyone, so it’s important to understand potential risks. Let’s be honest: Many people borrow as part of their financial plan. For example, they borrow to buy a home, pay taxes, finance personal interests, cover business costs, college educations or other expenses.

 

Some of these expenses are planned, while others are not. And it doesn’t always make sense to borrow a lump sum. As a result, over time people may end up with a cumbersome mix of mortgages, home equity loans, student loans, credit cards and personal loans.

 

This piecemeal approach to borrowing can result in suboptimal loan structures and pricing, which may create challenges with matching cash flows to debt payments. Furthermore, taking an uncoordinated approach to borrowing can impede your ability to stay the course of a well-thought-out investment strategy.

 

To avoid this, consider periodically reviewing your debt structure. Taking a holistic look at your various sources of debt could potentially help you identify opportunities to:

 

Reduce interest costs Enable faster debt repayment Access additional sources of liquidity for unexpected cash needs Better manage cash flows Leveraging the Power of Your Investments
When it comes to taking a more strategic approach to debt management, one of the most powerful resources at your disposal is your investment portfolio. Using your investments as collateral for a securities based loan may provide you with convenient and competitively priced access to funds you can use to consolidate multiple loans into a single line of credit. This strategy offers:

 

Flexible repayment options: Unlike other forms of debt that have fixed repayment schedules and charge late payment fees, securities based loans can give you flexible repayment options.  For example, you can pay principal or interest, or as long as you maintain sufficient collateral, you can allow interest to be added to the principal.  In addition, the application process is often easier and faster than applying for other types of loans.   Line of credit: Also, because a securities based loan is a line of credit, you can use available funds whenever future purchases or unforeseen events occur, without going through the application process all over again. Lower rates: Securities based lending may also offer a potentially lower rate than other forms of debt, including unsecured loans and credit cards. A lower interest rate may enable you to pay down debt more quickly and better manage cash flows so you can use available funds for other purposes. Additional benefits: Borrowing against securities may provide additional benefits, including the potential to maintain your long-term investment plan, as well as helping avoid the tax consequences associated with selling appreciated investments.  

Borrowing against securities may not be appropriate for everyone. Only certain types of securities are eligible for this type of loan, and there are some risks, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.

 

Looking at Your Entire Financial Picture Since debt is an important part of your financial picture, managing it requires a strategic approach. For more ideas on how to do so, Morgan Stanley clients should contact their Financial Advisor.

Find a Financial Advisor, Branch and Private Wealth Advisor near you. Check the background of Our Firm and Investment Professionals on FINRA's Broker/Check.

Enter zipcode Enter Zip Code Go Wealth Management Online Financial Tools Discover our online tools and view your finances all in one place. Track your spending habits, categorize expenses and create budgets. Wealth Management Simplify Your Financial Life with Debt Consolidation Debt consolidation may be able to help lower your interest payments, your financial stress load and help you gain a more streamlined view of your finances. Wealth Management Want to Keep More of Your Investment Returns? Consider These Tax Moves Establishing a tax management strategy for your investments may help you keep more of your returns. Wealth Management Online Financial Tools Wealth Management Simplify Your Financial Life with Debt Consolidation Wealth Management Want to Keep More of Your Investment Returns? Consider These Tax Moves Discover more:  Insights to help you go further.

Future Financial Planning: Your Guide Morgan Stanley Wealth Management Loan applications are typically subject to underwriting standards and independent approval. Rates and terms are subject to change without notice.

Educational materials are not considered a commitment to lend.

Educational materials should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.

The proceeds from a mortgage/home equity line of credit or non-purpose securities based loan may not be used to purchase, trade or carry margin stock or securities or repay margin debt, and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.

Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.

Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Private Bankers are employees of Morgan Stanley Private Bank, National Association.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

© 2025 Morgan Stanley Smith Barney LLC. Member SIPC. All rights reserved.

CRC# 4775673 09/2025

View Disclosures Close Disclosures Disclosures Investor Relations Corporate Governance Newsroom Careers Contact Us Global Offices Equal Employment Opportunity Cybersecurity Terms of Use Privacy & Cookies Your Privacy Choices

© 2026 Morgan Stanley. All rights reserved.

智能索引记录