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LAMF vs. FD Loans: Why Stocks Win
While FD loans are safer, they are capped by your deposit rate; LAMF allows you to leverage market-beating returns.
A loan against an FD usually costs 1-2% more than the FD rate itself (e.g., pay 9% to borrow against a 7% FD). LAMF allows you to borrow at 10% while your underlying equity funds could be growing at 14-18%. This "positive carry" means your portfolio growth could actually outpace the interest you pay on the loan. Apply Now