Liquidity planning is one of the most overlooked areas of financial strategy, but one of the most important when opportunities or emergencies arise.
We break down a real client situation where access to capital was needed and walk through the common liquidity options available:
Selling appreciated investments (and triggering capital gains)
HELOC (Home Equity Line of Credit)
Securities-backed line of credit
Margin loans
Credit cards or short-term borrowing
In this specific case, none of those were the right fit.
After working through multiple banks, we were able to secure an unsecured personal line of credit for $100,000 at approximately 7% without pledging investment assets.
The real lesson isn’t the specific solution.
It’s understanding the tradeoffs between liquidity options and why the best time to plan for liquidity is before you actually need it.
Whether it’s an investment opportunity, business decision, real estate purchase, or unexpected expense, having a liquidity strategy in place can make a meaningful difference in outcomes.
https://www.investolympus.com/blogs/liquidity-options-without-selling-investments
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