M******9
发帖数: 223 | 1 才买的房，看了一下每月的还贷，多付$1000就省好多利息啊，如果用这$1000买股票，
看准了也能赚。有没有人算过，哪个合适？ | K****D
发帖数: 30533 | 2 Why do you need to compute?
If your stock yield is bigger than your mortgage rate, then
stock is better; otherwise, pay down is better.
【在 M******9 的大作中提到】
: 才买的房，看了一下每月的还贷，多付$1000就省好多利息啊，如果用这$1000买股票，
: 看准了也能赚。有没有人算过，哪个合适？
| h*******y
发帖数: 864 | 3 A little bit more complicated than that. Mortgage interest rate is tax
deductible and stock could be taxed on long-term, short-term or on dividend
income.
To answer the question from academic point of view, that really depends on
asset allocation. Buying stock is to invest in risky investment with better
long-term return expectation. Paying down mortgage will provide with you
fixed (although relatively low) return of your money. From return point of
view, either one is better than cash or money
【在 K****D 的大作中提到】
: Why do you need to compute?
: If your stock yield is bigger than your mortgage rate, then
: stock is better; otherwise, pay down is better.
| K****D
发帖数: 30533 | 4 Previous numerous discussions show that mathematically,
paying down mortgage exactly equal to buying stocks, if:
1) The APY are the same, and
2) Mortgage interest is tax deductible, and
3) Stock yield is short-term.
dividend
better
re
【在 h*******y 的大作中提到】
: A little bit more complicated than that. Mortgage interest rate is tax
: deductible and stock could be taxed on long-term, short-term or on dividend
: income.
: To answer the question from academic point of view, that really depends on
: asset allocation. Buying stock is to invest in risky investment with better
: long-term return expectation. Paying down mortgage will provide with you
: fixed (although relatively low) return of your money. From return point of
: view, either one is better than cash or money
| h*******y
发帖数: 864 | 5 赌1600伪币?
【在 K****D 的大作中提到】
: Previous numerous discussions show that mathematically,
: paying down mortgage exactly equal to buying stocks, if:
: 1) The APY are the same, and
: 2) Mortgage interest is tax deductible, and
: 3) Stock yield is short-term.
:
: dividend
: better
: re
| K****D
发帖数: 30533 | 6 If you bet on "all situations that's not stated by KennyD", i.e.,
"KennyD is wrong", then no.
If you also write down some specific formula, then maybe, hehe.
【在 h*******y 的大作中提到】
: 赌1600伪币?
| a**e
发帖数: 5794 | 7 不要跟有经济学位的人赌这个，即使你是对的。
【在 K****D 的大作中提到】
: If you bet on "all situations that's not stated by KennyD", i.e.,
: "KennyD is wrong", then no.
: If you also write down some specific formula, then maybe, hehe.
| K****D
发帖数: 30533 | 8 or 不要 all in, 即使你是对的，hehe.
【在 a**e 的大作中提到】
: 不要跟有经济学位的人赌这个，即使你是对的。
| m******t
发帖数: 2416 | 9
1) and 3) aren't true most of the time,
2) changes from true to false over 30 years. 8-)
【在 K****D 的大作中提到】
: Previous numerous discussions show that mathematically,
: paying down mortgage exactly equal to buying stocks, if:
: 1) The APY are the same, and
: 2) Mortgage interest is tax deductible, and
: 3) Stock yield is short-term.
:
: dividend
: better
: re
| y****e
发帖数: 23939 | 10
这个不一定划算，除非你的mortage interest比较多，超过standard deduction的部分
才划算。
【在 K****D 的大作中提到】
: Previous numerous discussions show that mathematically,
: paying down mortgage exactly equal to buying stocks, if:
: 1) The APY are the same, and
: 2) Mortgage interest is tax deductible, and
: 3) Stock yield is short-term.
:
: dividend
: better
: re
| K****D
发帖数: 30533 | 11 By saying
"2) Mortgage interest is tax deductible, and"
I already implied that your mortgage interest should be 100%
qualified for tax deduction, i.e., you have other ways to guarantee
that your deduction is above the standard deduction, and the
mortgage deduction part is just an added benefit.
【在 y****e 的大作中提到】
:
: 这个不一定划算，除非你的mortage interest比较多，超过standard deduction的部分
: 才划算。
| i******l
发帖数: 828 | 12 1： there is no point answering this question..
2: there is no point in your statement below..
xixi--- 我老钟言逆耳哦
【在 K****D 的大作中提到】
: Previous numerous discussions show that mathematically,
: paying down mortgage exactly equal to buying stocks, if:
: 1) The APY are the same, and
: 2) Mortgage interest is tax deductible, and
: 3) Stock yield is short-term.
:
: dividend
: better
: re
|
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