SOFR
Amplify Samsung SOFR ETF
stock NYSE ETF

Absolutely worth looking into. I use it regularly and keep overinvested in thr market at about a 33% rate. I wouldnt go much higher than that as you could get hit with margin call which would be catastrophic to the advantage you are trying to get.
Margin rates are negotiable. Mine is 4.25% and adjusts with SOFR. The interest is tax deductible. To me its a no brainer if you're not a gambler type personality. If you are, then I would absolutely not do it as you could lose everything since your personality does not have the guardrails to see over risking.

many use cases, and it all hinges on several variables, including - what is the interest on the loan, and schedule on which it has to be repaid (if at all), stability of your job (whether your human capital is bond-like or stock-like), the value of your human capital relative to financial capital, size of margin/loan etc.
There are studies that recommend leverage (investing on margin) people with large predictable human capital relative to financial capital, as a way to diversify across time periods - the argument is that you need exposure to stock market across different decades, and the only way to achieve fairly constant level of exposure when your financial capital is low is through leverage/margin early on, and de-leverage over time. The risk is minimal since human capital is vast majority of your capital (basically you can keep earning money for decades, and have time to wait out the market fluctuations). It helps if your income is crash-proof (bond-like human capital).
The rate has to be low enough to make sense - current SOFR is about 3.6%, and some places can offer margin/line of credit for SOFR+1.?% or so (about 4.6%-5%), which makes sense if you have a long-term view that equities will keep returning 10% or so. Obviously it makes less sense at say 7% or 8% rate.
The size is usually kept to about 30% of the portfolio size.
I use the personal line of credit to smoothen out the spending year over year - this year I have higher tax bill by about $20K due to Roth conversions, and PLOC to make sure I still max out retirement accounts and 529 for my son, and I can repay it next year when I also know I am getting a raise. My job is very secure, so no threat there, and I can ride out a crash if necessary.

Absolutely worth looking into. I use it regularly and keep overinvested in thr market at about a 33% rate. I wouldnt go much higher than that as you could get hit with margin call which would be catastrophic to the advantage you are trying to get.
Margin rates are negotiable. Mine is 4.25% and adjusts with SOFR. The interest is tax deductible. To me its a no brainer if you're not a gambler type personality. If you are, then I would absolutely not do it as you could lose everything since your personality does not have the guardrails to see over risking.

many use cases, and it all hinges on several variables, including - what is the interest on the loan, and schedule on which it has to be repaid (if at all), stability of your job (whether your human capital is bond-like or stock-like), the value of your human capital relative to financial capital, size of margin/loan etc.
There are studies that recommend leverage (investing on margin) people with large predictable human capital relative to financial capital, as a way to diversify across time periods - the argument is that you need exposure to stock market across different decades, and the only way to achieve fairly constant level of exposure when your financial capital is low is through leverage/margin early on, and de-leverage over time. The risk is minimal since human capital is vast majority of your capital (basically you can keep earning money for decades, and have time to wait out the market fluctuations). It helps if your income is crash-proof (bond-like human capital).
The rate has to be low enough to make sense - current SOFR is about 3.6%, and some places can offer margin/line of credit for SOFR+1.?% or so (about 4.6%-5%), which makes sense if you have a long-term view that equities will keep returning 10% or so. Obviously it makes less sense at say 7% or 8% rate.
The size is usually kept to about 30% of the portfolio size.
I use the personal line of credit to smoothen out the spending year over year - this year I have higher tax bill by about $20K due to Roth conversions, and PLOC to make sure I still max out retirement accounts and 529 for my son, and I can repay it next year when I also know I am getting a raise. My job is very secure, so no threat there, and I can ride out a crash if necessary.