this post was submitted on 27 Apr 2024
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You are correct in your theory... In practice however there is no such guarantees, if there were, it would be a perpetual money making machine
Investment opportunities that guarantee a return will always guarantee less than the interest of regular loans. So unless you are a billionaire, there is no such luck.
In practice, regular investment like mutual funds average to x in the long run (10 years or so) but you'd never find a 10 year loan that does not require you to pay regularly and with accrued interest for that time, so it defeats the purpose of taking out a loan specifically for investing long term