Thanks- It would be good to have this feature

This would also be helpful if it could be modeled as a portfolio LOC, or asset refinance. If modeled as a PAL/PLOC it would be great to show credit available, and model the interest rate as SOFR+ or something similar.

If asset backed, something like LTV ratios would be helpful.

I would love to have a margin loan as a source of cash flow ProjectionLab could get money from, rather than selling assets. Parameters could include: - Max % of assets borrowed - Interest rate - Expiration date (though a margin loan has no expiration date, I like to use box spreads, which do expire).

+1 to this feature for modeling pledged asset loans.

If unfamiliar, a brokerage will give you a loan with your investment as collateral. You can spend without realizing a gain by selling, but you pay an interest rate based on SOFR+ as Trent said above.

Where PL currently fails is modeling this as a debt hits your net worth, which seems to influence your gains. This isn’t accurate, since the whole point of a PAL is to allow your investments to continue to grow, with the bet being that your gains will outstrip the interest over time.

I like to use PL as a model for deciding when I might want to pay off a PAL, or seeing the impact at least. I need to know how it grows, and what a payoff will do.

As it stands, I have the PAL modeled as an asset with 0 value, no down payment, and interest accruing. To sell I check my debt line in the chart and hover over a year then add a one time expense. It would be much nicer to set a milestone and just move it around. This would allow me to model repaying the PAL with cash, funding it with whatever account I specify, and not taking a hit to my gains.

Another thought: If a loan had a tick box to “Exclude debt from liquid net worth calculations” (like financed asset does) then I think it would fix the “bug” I’m seeing? Or maybe I don’t quite understand what that tick box does. :)