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re: Pay $1,000 extra to house or invest?
Posted on 6/16/16 at 8:51 am to redfishfan
Posted on 6/16/16 at 8:51 am to redfishfan
What kind of returns are you guys getting these days, where passing on the 3.5% is a no brainer
This post was edited on 6/16/16 at 8:52 am
2
Posted on 6/16/16 at 9:42 am to D Tide
quote:
What kind of returns are you guys getting these days, where passing on the 3.5% is a no brainer
I don't think it's that people are getting easy returns over 3.5% at this moment or in the past year .
I think people are saying that they'd pass on the 3.5% to achieve greater returns based on the average returns of retirement portfolios over a long period of time. Which, if your considering long term returns for retirement, is what you should actually be doing, using an averages mentality, not a "what returns are people getting this year so far" mentality.
This post was edited on 6/16/16 at 9:59 am
Posted on 6/16/16 at 6:53 pm to D Tide
quote:
What kind of returns are you guys getting these days, where passing on the 3.5% is a no brainer
First of all, I itemize deductions so my after-tax interest rate is 75% of that.
The returns on my portfolio of course go up and down year after year, but if I can't beat 2.6% annually over the long run I might as well just off myself.
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