<prompt> Human: As the title says, Im able to borrow money for a pittance and Im wondering whats stopping me doing so and investing it. My fag packet maths tells me over 5 years on 3.5 return I would make 2848.97 for moving bits of paper around.Tell me Reddit, why is this a stupid idea? I get that its not a lot of return in the grand scheme of things. But equally its not a high risk strategy.  <response>: Your loan contract may come with restrictions on what you can do with their money.Also there is no risk-free investment with 6.5-8.5 annual return. 