u/moneybuddies

I have 3 unsecured PLOC. First one is $45K at Prime + 0.5%, second one is $35K at Prime + 1.5%, third one is $50K at relatively high interest rate.

What are your thoughts on investing the $45K at Prime + 0.5% (making up 4.95% interest per year).

Would you invest all? Some? A combination of the 45K and 35K? What investment strategy would you use? (eg. Dividends or growth ETFs? etc.)

Aside the unsecured LOCs, would you also consider getting a portfolio line of credit? (Current portfolio is about $330K in liquid financial assets invested. Zero debt.).

I’m thinking through using loans/margin to front load investments and take advantage of the long term compounding effect.