Margin Loans

Customers with significant financial assets may be able to find better rates using margin loans against their portfolios, said Cathy Jameson, a managing director of Silvercrest Asset Management Group, a New York-based investment adviser and family office whose clients generally have $5 million or more in investable assets.

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Reliance on Cards

Margin trading is regulated by the Federal Reserve, the Financial Industry Regulatory Authority and securities exchanges, and many brokerage firms have margin requirements that are stricter than what regulators require. The loans are generally made by securities firms to investors and use financial assets such as stocks and bonds as collateral.

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