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When Should You Use LAMF and When Is Selling Investments a Better Option?
Compare interest rates, flexibility, and total borrowing costs to see why LAMF can be cheaper than unsecured personal loans.
Use LAMF for short-term needs (under 24 months) when your portfolio is growing faster than the loan interest rate. If your expected returns are 12–15% and the loan costs around 10%, borrowing makes sense. It also helps you avoid 12.5% LTCG tax and prevents locking in losses during market dips. However, if your debt-to-income ratio is above 40% or the goal is long-term. Apply Now