Borrowing to invest sounds smart until the market drops and the bank wants its money back immediately.

Financial planner Anita Bruinsma draws a hard line on margin investing: borrow against your portfolio to buy more investments, and a sudden market decline triggers a margin call that can force you to sell stocks that are already down. She says it is a strategy she does not even bring up with clients.

The same principle applies to account sprawl. Anita Bruinsma says too many accounts in too many places creates analysis paralysis, kills your big-picture view of your money, and quietly costs you in fees and missed returns. Her position is blunt: complexity does not add value, and simple investing is how 98% of people actually build wealth.

Topics: borrowing to invest, margin call, HELOC investing, financial planning Canada, Canadian Investor Protection Fund

GUEST: Anita Bruinsma | http://clarityonyourmoney.com

Originally aired on 2026-04-30

Borrowing to invest sounds smart until the market drops and the bank wants its money back immediately.
Financial planner Anita Bruinsma draws a hard line on margin investing: borrow against your portfolio to buy more investments, and a sudden market decline triggers a margin call that can force you to sell stocks that are already down. She says it is a strategy she does not even bring up with clients.
The same principle applies to account sprawl. Anita Bruinsma says too many accounts in too many places creates analysis paralysis, kills your big-picture view of your money, and quietly costs you in fees and missed returns. Her position is blunt: complexity does not add value, and simple investing is how 98% of people actually build wealth.
Topics: borrowing to invest, margin call, HELOC investing, financial planning Canada, Canadian Investor Protection Fund
GUEST: Anita Bruinsma |<a href="http://clarityonyourmoney.com"> http://clarityonyourmoney.com</a>
Originally aired on&nbsp;2026-04-30

Shane Hewitt & The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world—always with curiosity, compassion, and a sharp edge.

From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane’s signature style—thoughtful, fearless, and refreshingly real.

If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt &amp; The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world&mdash;always with curiosity, compassion, and a sharp edge.
From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane&rsquo;s signature style&mdash;thoughtful, fearless, and refreshingly real.
If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt and The Nightshift

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.