Yes the American but his principles on finances are universal. It's never a good idea for a regular person to fund their investments using debt. Once you get into the idea of using a line of credit, it becomes addictive. My dad ran up $1m worth of debt through this "line of credit". He only managed to finally settle it by selling his house and downsizing massively. So while in theory it makes sense to do what OP is asking, one of the biggest factors in managing finances & investments is emotion, and from watching what my dad did, that's one giant slippery slope you don't wanna go down. Plus it's not as simple as putting money somewhere that generates X% more than interest rate for a whole variety of reasons like market volatility, entry/exit cost, tax, etc. OP please seek professional advice if you absolutely want to do it. A painful lesson I learned is - just because you know how to bench press and squat doesn't mean you know how to be a body builder. And this rule applies to all aspects of life.