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The absolute best investment that you can make is to pay off your higher interest loans!
If you are carrying any credit card debt, you are probably paying double digit interest rates. This is short term money so you have to put yourself on a budget and pay these debts off. Whatever your current interest rate on your credit card, that is exactly the interest rate you will effectively earn by paying off that short-term debt. In today’s economy, I don’t know of any other legal investment that will GUARANTEE your return at double digit percentage rates.
If you have a car payment that is over 6% interest rate, that is also a likely target for accelerated payments. Once again, a 6.9% loan on your car means that you are guaranteed to get 6.9% return by paying the loan off more quickly (minus inflation). Since car loans rarely go longer than 60 months, this is medium term money (as opposed to short-term for credit cards). If you don’t need the extra $100 in the next month, spend that money on your car loan.
However, you may have bought your car with a subsidized loan from the manufacturer and therefore paying a very low rate that is approaching 0%. In that case, you may want to slow down this payment and only pay the minimum amount that you can. Essentially, inflation will grow faster than your interest rate so your cash equivalent spending will go down over the course of time. In this case, you are earning whatever the inflation rate is in interest!
Your home loan is probably different. Chances are you have been able to drive your interest rate down below 8 or 9%. Your home loan may still be 10, 20 or more years left so any money that you put into it is very long-term. You may need this money before the 10 years are up and if that is the case then it will be quite expensive to get it back out. It is reasonable to pay a bit extra on your home loan but be careful that it doesn’t impact your regular cash flow – and pay off your credit cards first!
In order to do all this, you need to start budgeting your money. Check out these sites for some advice on how to successfully budget your money.
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All company analysis is based on publicly available data at the time of the writing of the posting and may or may not be applicable in the future. It is believed that this data is accurate and the conclusions are appropriate but the reader should verify all information. The author of the commentary does not make any claims as to the accuracy of the original data and the accuracy of the conclusions that are represented. This commentary is not investment advice but merely a discussion using the tools that are explained in the book titled: “The Confident Investor – Learn How to Invest With Confidence in a Turbulent Market” and, potentially, other similar works.
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My name is Sean O’Shaughnessey and I have been investing my own money for decades. I am not a money manager for an investment house or a banker. Instead, I am a mechanical engineering graduate that gravitated to sales early in my career. I was able to generate a very respectable income due to my skill in solving complicated problems. I wanted to use that income to increase my personal wealth. After voracious research, I made some disastrous investments that dropped in value considerably causing me to run to mutual funds for safety. When I was asked to manage the family farm, I learned about commodity investments and technical trading.
I was unimpressed with the poor results of my mutual funds and knew there was a better way. I analyzed the most successful companies to find a couple traits that only the best ones shared. I then combined my engineering problem-solving skills with technical trading analysis to decide when to buy into those companies. This propelled the creation of Decennary Time Weighted Average (DTWA) and Time Weighted Composite Average (TWCA) as well as the overall system of Grow on Other People’s Money (GOPM). This gave me the ability to be a Confident Investor.
I continue in my professional role helping companies solve their toughest business problems. I confidently invest in the best-run public companies using the techniques described in this book. I live in Ohio with my wife who was also my high school sweetheart. We are the parents of 3 terrific children.
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