<prompt> Human: I have a bank that is currently offering a fixed rate loan for stock purchases at 4.99 for 10 years. I am considering purchasing about 100 shares of a stock that I think will perform well over the next 10 years.I understand obviously there is always risk, but I would still like to hear other thoughts on this type of investment. I ran out a spreadsheet of what a fixed loan would amortize for about a 16,500 loan with payments that I could afford every month at my current income without selling off the stock:I have it calculated so the stock price goes up each month by the annual rate12I believe I will see better than a 6 annual return, but I used that as a conservative estimate. Unless Im mistaken in my math, I would net about 9,000 over 10 years at 6.Im just wondering what advice people have regarding loans for stock purchases, as well as if I am doing the calculations correctly in looking at payment vs. return.  <response>: If you check out the wiki on investing, youll get a general sense of how this sub feels about investing in individual stocks:With that in mind, I personally do not think investing in individual stocks is a good idea. I think borrowing money at 5 to do it is an even worse idea.Youre taking an already very risky investment and eliminating a large chunk of the upside from that risk via loan interest payments. Hope it works out for you, but that would not be for me. 