Reader says... I have some money in bank and my Relationship Manager is pushing me to buy unit trusts with leveraged. Recommend me to take 100% loan so the yield will be higher from 5% to 8%. I could also take a 200% loan to get 10.5% yield. Good or bad? AK says... Gear up 200%!? Sack your Relationship Manager. Of course, the bank he works for won't sack him. You sack him! I don't borrow money to invest with. When you buy a unit trust, the only people guaranteed to make money are your Relationship Manager, the bank he works for and the fund managers. You are the one bearing all the risk. Do you want to increase that level of risk? (It is a fact that if you leverage up, they will be guaranteed to make even more money from you while you are only guaranteed more risk.) ......