Your example of loans is tax deferral, not avoidance. As for your examples in general, those are really good. Collateralized loans on stock we usually call "ma

Your example of loans is tax deferral, not avoidance. As for your examples in general, those are really good. Collateralized loans on stock we usually call "margin loans" and are easy to get. Also, anyone in real estate will recognize the term "HELOC", where you can get a loan against the value of your home, presumably after its value has appreciated. I think both of those are fairly accessible, at least in the US.