@arusha my two cents. Should you substitute your savings plan with a loan? Not advisable coz the loan has a cost. Should you borrow to invest in stocks? Why not, if you will make money. You have to match your return and cashflows. Its sad that people borrow to buy cars and pimp their houses, but not to buy stocks! At beginning of 2010 when it was obvious that a bull was starting i borrowed a 6 month loan, leveraged my free cash and bought cfc,tps and bbk at 40, 48 and 50. I repaid the loan and interest with proceeds from cfc and tps, put the profits in kcb and bbk is still in profits. Market is now fairly valued and it would be risky to try the stunt now.