I’ve been investing in the stock market for 5 years only using my own cash only. My portfolio is currently at around $150k right now. I’ve been getting emails about them changing the margin rates to 5% or lower just depends how much margin you use. It sounds like a good deal just use margin to invest in the S&P 500 and Nasdaq and low risk ETFs and you’ll outperform it in the long run. And a bunch of people are saying margin is risky and you shouldn’t use it. I plan on using like 20-25% of the available margin to invest in ETFs because I’ll have cash on the side just in case there’s a bear market and I know there’s a chance to get margin call. Am I missing something that I should be aware of why this is a bad deal?