I have a 65k portfolio, would I be stupid to take margin out for let’s say 10k(at 3.99%) and then invest it in let’s say qqqi for the monthly dividend? I have enough cash in hand as well to avoid a margin call. I’m in my early 20s so I think I have time to/risk tolerance to pull this off but obviously it sounds a little good to be true. Is there anything really flawed about my approach?