I have usd 500000 and interest I receive from my savings a/cs is not much. If I open a portfolio margin a/c with IB , IB will also lend me at 1.3%. I buy good shares with good dividend yield and hold it for long term . My return at least will be better than savings a/cs . Will this work? If yes how do I select good dividend US stocks? If no what else can I do where my capital is near enough safe and I have good reasonable income. If stock buying approach can work I can in future buy european or UK stocks as well. I am a UK citizen. I have not been able to get reasonable income from my ISA and some tractor funds. I donot mind investing in good funds which will give me good dividend yield or even good prospects for growth. Many people must be facing this dillema and what do they do? Please give advise. Thanks.