In this episode of Talk Money To Me, Candice Bourke and Felicity Thomas unpack one of the most misunderstood wealth strategies in Australia borrowing to invest through margin lending.

Many Australians are comfortable using debt to build wealth through property, but far fewer understand how leverage can be used in a diversified global portfolio. When structured correctly, margin lending can accelerate long-term wealth. However, when used poorly, it can magnify risk and volatility.

In this episode, we break down the strategy in a simple and practical way, including real client scenarios and the key considerations sophisticated investors need to understand.

We cover:

✔️ What margin lending is and how it works

✔️ Loan-to-value ratios (LVR) and how lenders assess risk

✔️ What actually happens in a margin call

✔️ Why diversification and investment selection matter more than leverage

✔️ A 10-year real-world scenario leveraging the S&P 500, including realistic Australian borrowing costs

✔️ Behavioural mistakes investors make during market volatility

✔️ Margin lending versus property gearing

✔️ Who this strategy may be suitable for – and who should avoid it

This episode is designed for high-income professionals, long-term investors and anyone looking to build wealth through disciplined, strategic investing.

📩 Contact Candice & Felicity

If you’d like to learn more or discuss your personal financial strategy, you can reach out to us directly:

📧 cftgroup@shawandpartners.com.au

🌐 www.cftgroup.com.au

Or connect with us on LinkedIn:

Candice Bourke & Felicity Thomas

⚠️ Disclaimer

This podcast is hosted by Candice Bourke and Felicity Thomas both Financial Advisers at Shaw and Partners AFSL 236048. The information discussed is general in nature and does not take into account your personal objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice and seek professional advice tailored to your circumstances.

Any views expressed are those of the hosts at the time of recording and may change. Past performance is not a reliable indicator of future performance. Investing involves risk, including the loss of capital. Borrowing to invest, including margin lending, can magnify gains and losses and may not be suitable for all investors.

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Welcome to this fortnight’s TMTM Order Pad, where we break down one high-conviction investment idea and assess whether the market is mispricing the opportunity.

In this episode, Felicity dives into WiseTech Global (WTC.ASX) one of the ASX’s most widely followed technology stocks and explains why we believe the company could be entering a critical 2026 re-rating phase.

After a sharp sell-off across global software stocks, WiseTech now trades below historical valuation averages despite strong customer retention, growing free cash flow, a transition to transaction-based pricing, and integration upside from e2open.

In this deep dive, we cover:

• What WiseTech actually does and why CargoWise is mission-critical

• The pricing model shift and margin outlook

• e2open integration risks and opportunities

• AI disruption risk or competitive advantage?

• What the upcoming FY26 result needs to prove

Is this simply a recovery trade or a genuine asymmetric opportunity?

IMPORTANT: WTC.ASX at the time of recording 10th February 2026 is trading between $47 and $50

🎯 About TMTM Order Pad

Order Pad is our fortnightly high-conviction stock segment, where we analyse companies with structural advantages, strong cash generation, and identifiable catalysts ahead. Think next-multibagger energy with institutional discipline.

Positioning before consensus.

⚠️ Important Disclaimer

This podcast contains general information only and does not take into account your personal objectives, financial situation or needs. It does not constitute personal financial advice. Before making any investment decision, you should consider whether the information is appropriate for you and seek advice from a licensed financial adviser. Talk Money To Me is hosted by advisers at Shaw and Partners Felicity Thomas and Candice Bourke (AFSL 236048). Past performance is not a reliable indicator of future performance. All investments carry risk. Investments may rise and fall in value, and capital loss is possible.

📩 Get in Touch

If you would like to discuss your portfolio or explore whether WiseTech or other ASX opportunities may be appropriate for you:

📧 tcftgroup@shawandpartners.com.au

🌐 www.cftgroup.com.au

🎙 Follow Talk Money To Me on Spotify, Apple Podcasts & YouTube

📱 Follow @TalkMoneyToMePodcast on Instagram & @TalkMoneyToMe on LinkedIn

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What does 2026 really look like for investors?

In this first episode back for 2026, Talk Money To Me hosts Felicity Thomas and Candice Bourke break down what’s actually driving markets beneath the surface using institutional insights from global strategy teams across equities, credit, derivatives and China.

Markets may be broadening, but risks are shifting and in this episode we unpack what that means for portfolios.

• Why markets feel calmer but may actually be more fragile in 2026
• The rotation away from the US and why China and Europe are back in focus
• The next phase of the AI trade — and why it’s moved beyond mega-cap tech
• How to think about copper, infrastructure and electrification as AI enablers
• Why private credit and high yield could be the hidden risk this year
• Why Europe, particularly banks and credit, is quietly well positioned
• The key 2026 market catalysts to watch — from China’s NPC to US midterms
• How UBS’s “10 Surprises” framework is already playing out in markets
• What Felicity and Candice are actually doing in portfolios as a result

2025 was about chasing what worked.

2026 is about positioning for what’s coming next.

This podcast is for general information only and does not take into account your personal objectives, financial situation or needs.

While Felicity Thomas and Candice Bourke are Authorised Representatives of Shaw and Partners Limited (AFSL 236048), the information discussed in this podcast does not constitute personal financial advice or a recommendation to buy or sell any financial product.

You should consider whether the information is appropriate for you and seek independent professional advice before making any financial decisions.

Information is current as at the time of recording: 4th February 2026

If you’d like to discuss any of the themes covered in this episode or understand how they may apply to your portfolio:

• Visit: www.cftgroup.com.au
• Or get in touch with Felicity Thomas or Candice Bourke cftgroup@shawandpartners.com.au

Follow Talk Money To Me on Spotify or Apple Podcasts, and share this episode with someone who loves their markets, macros and long-term investing conversations.

Hosted on Acast. See acast.com/privacy for more information.