RobsonMKK
2017-06-22 08:37:44
- #1
I hope the job title is meant as a joke...
What loan amount and how much equity capital should be reported to the bank?
- Erstellt am 2017-05-20 11:25:07
Hausbauer1
2017-06-22 10:09:27
- #2
You fail to recognize that the interest savings through repayment are guaranteed, whereas the value increase in stocks is not and can even reverse.
Risk class 1 vs. 3.
A really, really stupid idea, to put it bluntly.
By the way, the repayment is tax-free, the capital gain is not.
I think 4% p.a. after taxes are possible mid-term with a not-too-risky portfolio. So the idea is not stupid, but requires a certain financial intelligence. If someone finds it too risky, they don’t have to do it.
Doing something like that is absolute stupidity and should not be publicly promoted. It is exactly the same madness as buying stocks on credit – the house construction doesn’t even need to be included in the calculation.
No, it isn’t. With a well-diversified portfolio it is even relatively low risk. We invest here mid- to long-term – not just for 1 or 2 years.
Of course this is not the same as buying stocks on credit. First, I’m talking about a well-diversified portfolio, not pure stock investment. And the interest rate for a mortgage loan is significantly lower than for a loan with which you could speculate on stocks. Result: One is a far too high risk, the other is a good idea with the necessary discipline.
Nonsense. 99.9% of Germans (including me and I am a banker) are too stupid and too naive to invest money wisely. We have been a building savings contract people and still are.
If you have a loan/credit and are in a low interest rate phase, the best investment is still to repay it. Risk-free.
Then in 15 years you can continue with the freed-up cash and invest in daily interest accounts^^
Keyword: opportunity costs. Repaying is more sensible at higher interest rates than at lower ones. The yield on repayment is basically the interest saved. At 1.5% that is the yield, but at 4% it would be 4%.
I hope the job title is meant as a joke...
No.
infors
2017-06-22 10:41:34
- #3
My thread has really drifted off in a different direction. I like the idea of mixing a portfolio. Commodities, stocks, certificates, real estate, additional hedges, and a long investment horizon make a lot of sense. If I could find an expert like you at the current state of the indices who could get me just 2% return with a bank guarantee over an investment horizon of 10-15 years, then I would start to consider it. Since that will never be the case, the question is moot. Those who invested in 2000 and 2009 and therefore know what can happen are currently better off leaving it alone depending on their risk tolerance and future plans (house construction). In 2000, stocks were mainly bought on credit in the private sector. Talk to people who were still invested in 2003. Buying risky investments on credit is really not a good idea, especially if you want to build a house.
HilfeHilfe
2017-06-22 11:03:55
- #4
I think 4% p.a. after taxes are possible medium-term with a not too risky portfolio. So the idea is not dumb but requires a certain financial intelligence. If that is too risky for someone, they don’t have to do it.
No, it isn’t. With a well-diversified portfolio, it is even relatively low risk. We invest here medium- to long-term – not just for 1 or 2 years.
Of course, that is not the same as buying stocks on credit. First, I am talking about a well-diversified portfolio, not a pure stock investment. And the interest rate for a mortgage loan is significantly lower than for a loan you could use to speculate on stocks. Result: One is a clearly too high risk, the other is a good idea with the necessary discipline.
Keyword: opportunity costs. Repaying debt is more sensible at higher interest rates than at lower ones. The return of repayment is the saved interest. At 1.5%, that is the return; at 4%, it would be 4%.
No.
you are writing a huge mess. Any return over 2% in a low-interest phase carries risk. Securities can fall in price etc. etc. An average person will not check their portfolio every day and possibly take action.
Even savings bonds that were once concluded are subject to risk. Or why are banks / savings banks now massively canceling them?
Sorry, to me you are a typical lecturer who only babbles about theory and not practice
77.willo
2017-06-22 12:09:51
- #5
No, it is not. With a well-diversified portfolio, it is even relatively low risk. We are investing here medium to long term - not just for 1 or 2 years.
Of course, that is not the same as buying stocks on credit. First of all, I am talking about a well-diversified portfolio, not pure stock investment. And the interest rate for a mortgage loan is significantly lower than for a loan with which you could speculate on stocks.
.
That is exactly the same. The interest rate for the loan is also the same. If I take out a mortgage loan on my house, the interest does not depend on the purpose of use.
So again, would you recommend every citizen and every company to take out a mortgage loan and then speculate with the amount? If not, why exclusively homebuilders?
Alex85
2017-06-22 14:32:20
- #6
I think 4% p.a. after taxes is possible in the medium term with a not too risky portfolio. So the idea is not stupid, but requires a certain financial intelligence.
Ok, once again. It is "financially extremely unintelligent" to hedge an investment with a low risk class by investing in a significantly higher risk class. By the way, your investment horizon doesn’t help you here either, because you already know today that you will need amount X on the key date in 10 years. You can only ride out price dips if you have the time for it.
And of course, this is an investment with leverage and nothing else.