<prompt> Human: Ive got an offer from my CC for a 0 APR balance transfer for 12 months, with a 2 upfront fee.With another 1 in inflation, that makes for a 3 cost for 12 months. In that same time, an index mutual fund is likely to make double that... right?  <response>: Unless it doesntLike in 2000, 2001, 2002, 2008, and 2015.arbitrage is buying apples for X and simultaneously selling apples for XWhat you are doing is apples and oranges. 