Using margin loan at Interactive Brokers

[Dr.PI]

Portfolio after retirement [2022]

Follow-up from another thread. Found an older thread which was last edited from 2019 which kind of discusses the topic but not all of it. As hinted in another thread I will execute a modified buy-borrow-die strategy as this is tax efficient even if there are no capital gains taxes because you can deduct the debt and interest. I target fatFIRE with 100% equities and after RE to live on margin loans from IBKR or a pledged asset line from my local bank, depends on what is cheaper and more flexibl…

I was considering this. The problem that I see is that unlike for example for a mortgage, there is no guarantee that the margin loan will be available in the future and conditions can change any time.