Dec 15 2019, 09:50 AM
QUOTE(Nachiino Etamay @ May 2 2019, 02:26 PM)
i am 100% sure this is wrong
its always better to take the loan, because you cap upfront, and pay it off
and even if rates rise, you can sell off your holdings and close the loan.
if you put money every month manually (instead of using the debt route), you will quickly hit the cap, then you gonna have lower returns.
the difference in 40 years can be almost half a million
no la. 200k limit is only counted against your own deposit, not on dividend reinvestment. e.g. if you put in 10k then just let it grow by itself till it reaches 200k (lazy to calculate how many years needed for this), you still can invest 190k additionally because you only invested 10k through own deposit.its always better to take the loan, because you cap upfront, and pay it off
and even if rates rise, you can sell off your holdings and close the loan.
if you put money every month manually (instead of using the debt route), you will quickly hit the cap, then you gonna have lower returns.
the difference in 40 years can be almost half a million
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