Pedir préstamos usando activos como garantía permite obtener liquidez libre de impuestos sin venderlos

You do not have to sell your assets to use their value. If you structure it properly, you can turn what you own into tax-free cash while the asset itself keeps growing in the background. So borrowing is when you use your assets like your stock portfolio or your real estate as collateral to secure a loan rather than selling those assets for cash. When you borrow against your assets instead of selling them, you get access to cash completely tax-free. And your original investments stay intact so they can continue to compound and grow over time.

Buy, Borrow, Die: The Top 0.01% Strategy to Avoid Taxes · 2026 · comprobar

Now, why would you want to borrow money when you already earn it? Number one, taxes. And number two, compounding. The IRS clearly states that borrowed money is not income. So, if the bank hands you a $500,000 line of credit, you pay zero tax on that cash. Zero federal income tax and zero capital gains tax. Now, compare that to selling your assets. If you sold $500,000 of appreciated stock, the IRS is waiting for their cut. And depending on your situation, that could be tens of thousands of dollars in taxes. The other reason is compounding. So, when you're spending the loan proceeds, your…

Buy, Borrow, Die: The Top 0.01% Strategy to Avoid Taxes · 2026 · comprobar

There are some workarounds, but you need to set up a regular brokerage account called a taxable brokerage account with companies like Schwab, Fidelity, or Vanguard. Number one is the HELOC or home equity line of credit. This is when you borrow against the equity you have built up in your home. This is often called a second mortgage or lovingly a second where the bank gives you a line of credit similar to a credit card and then you can draw from it whenever you need it using the property as your collateral. The second one is called a securities-backed line of credit. This is when you pledge…

Buy, Borrow, Die: The Top 0.01% Strategy to Avoid Taxes · 2026 · comprobar

Let's say you buy a stock for $35,000 and over the years it grows to $100,000. When you buy an asset, the price you paid is called your cost basis. And if you sold it while you were alive, you would owe tax on that $65,000 profit. But if you don't sell it and you kept it until you pass away, the tax code does something crazy. It steps up your cost basis to the current market value on the day of your death. So that stock that you bought for $35,000 is now worth $100,000, right? Well, if you pass this on to your children, the IRS acts as if they bought it that day for $100,000. The $65,000 of…

Buy, Borrow, Die: The Top 0.01% Strategy to Avoid Taxes · 2026 · comprobar

it's taxfree because it's it's a loan public equities absolutely the loans that you take against them are tax-free because they're loans and you pay interest on them and then you have to pay loans back and that's the big thing and there's a big you know I would say a little bit of a misconception on this it's like oh these rich people uh they other hand with the public equities peace you still have covenants that you have to be responsible for to whoever gives you the money and so it's not like you get the money and you can do whatever you want with it you have to pay it back that's how loans…

The Ultra Rich Playbook [Legal & Tax-Free] · 2024 · comprobar