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@scooper8 What's the interest rate of the loan? Also, who is the loan provider? Family/friends or a lending institution?

@rauch I agree. This is called leveraging and businesses do it all the time. However, OP, if you borrowed the money from your friend in good faith at zero interest, then don't be an asshole. Pay that person ASAP.

@happycamper843 Have you tried emailing them?

@danaross67 Monthly add-on rate is not the same as monthly interest rate. If the monthly add-on rate is 0.45%, then the effective interest rate would be 9.8%. Borrowing at 9.8% and then investing in a time deposit with a net gain of only 5.6% would then be ridiculously stupid.

@jggray6 I have a bunch of common shares, too. Preferred shares in general are less liquid compared to common shares and REITs. However, you don't really need liquidity if you plan on holding until the redemption date/step up date. Until then, you just enjoy the dividends.

@swan617 REITs: RCR, AREIT, MREIT, CREIT Preferred shares: BRNP, MWP4, MWP5, TCB2D, SMC2O, ACENB, ACPAR, PRF3B, PRF4C And BRNPC soon.

@rouzanna Just open a stock brokerage account like BPI Trade and COL and buy REITs and preferred shares.

@maryeldermusic Just open a stock brokerage account like BPI Trade or COL. They will notify you of newly offered preferred shares/REITs. You can also just buy the existing ones using your broker.

@kephadaily Quarterly. I just divided all the dividends in the year by 12 to get the average dividend per month.

@rebel4god87 RCR, AREIT, MREIT, CREIT, MWP4, MWP5, TCB2D, SMC2O, ACENB, ACPAR, PRF3B, PRF4C, etc.

@spicychristian Yes, you just need to wait for he dividends.

@swan617 I get an average of ~45k per month of dividends from REITs and preferred shares. Does that count?

@muiris Not getting a 16% interest rate loan in the first place is my advice. If you choose to ignore that, then good luck to you.

@muiris How is that ok? That's financial stupidity.

@muiris Only high risk investments like business and bitcoin can beat that. But take note that you could lose it all.

@muiris What's the interest rate of the loan? You need to know that first so that you can filter which investments make sense.

@muiris Borrowing money to make more money is called leverage. Busineses do it all the time. However, in your family's case, if you don't even know where to put the money, then borrowing money would be a stupid idea.