Quote:
Originally Posted by Run Silent
1) Risk can be quantified through beta and specific financial equations, such as CaV and CAPM modeling. The risk premium is (Rm – Rrf). The CAPM formula is Ra = Rrf + βa * (Rm - Rrf).
2) Any S&P index fund should be performing better than 8%.
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good read. i just don't like the idea of someone else managing my money; when i can do it myself.
to each their own i guess. Ill likely come out ahead by taking the loan; and can incur the risks. whether the 50k is in car or cash; it cant be in my mattress. but paying the 3.49% makes it obvs more riskier.
i really wish I took the 0.9 60 month loan on the car; no brainier would have been ahead. alas; here we are lol.
i know this is off-topic. im right at the cusp of being smart or stupid; and not much reward to be seen; but every penny counts.
as far as people who get loans at 4+% for greater than 36months for a depreciating LUXURY asset; living the american dream.