<prompt> Human: I got approved for a 20,000 line of credit that carries 3.85 interest. Im planning on throwing 15,000 into TDB422 as I have been monitoring fund TDB422 for the past 2 years and feel comfortable investing in that fund for the long term 5-10 years. This leaves me with 5,000 to pay for the interest should this plan fail. Interest in the first year would total 588.73, which would be peanuts to the growth this money can see. I am comfortable with the risk level, and I know that the fund will increase way past the 3.85 interest rate. Im planning on using quest trade for this, and may be looking at taking out a small portion for my own personal interests. Are there any flaws in my plan? Please let me know.Assistant: You mean besides the fact that youre borrowing money to invest it? Best of luck to you, but taking a line of credit in hopes you can beat the odds and make more money then the banks going to charge you for the loan is going to be tough.Human: Isnt this the same thing as getting a mortgage. Its a leveraged loan on a property that you think will appreciate. Past performance doesnt indicate future results, but buying a condo two years ago, Ive seen 32.6 appreciation currently. My mortgage carries a 1.85 interest rate. Using similar logic with a slightly higher interest rate does not feel different.  <response>: The difference is that a home actually has practical value - housing is generally something you actually need. Besides, if youre underwater on it, you can still live in it. You cant say that about what youre proposing. This seems too much like gambling to me. I think youd be fortunate to break even. 