LogFAQs > #954993238

ChaosTonyV4 posted...

Whats the point? At this point he has more money than he could ever spend, why bother with loans?

I used to think the same way and the answer is that it makes sense if you expect your investment to provide a higher rate of return than the loan interest because then you don't pay taxes on your gains.

This is exactly what I'm planning to do with ETFs, anyway. Let them appreciate and pay dividends, and use that as my emergency fund while I have income from my job or some other significant cash flow. After that ends, I'll sell some of my investments to fund my retirement. But some people would still get loans if they're wanting to will those investments to others. I don't plan to have kids or get married (I'm asexual and aromantic, likely will die alone) so I don't have anyone in mind for when I die besides perhaps charity so I might as well sell them at some point, otherwise I'd consider holding as well.

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<D