The adjusted rate of return is now at 11.2%. However I would caution anyone against investing more than they feel comfortable losing and strongly urge investors to spread their investments among other classes of assets such as realestate, bonds, precious metals, etc.)If you found an investment that would return 20% or more, would you take out a mortgage at 8% to invest?Do you own a home? Capital gains taxes can eat over 20% of your investment gains each year.Looking at the investments outlined above the $124,000 that becomes $580,000 after 10 years, grows to only $434,000 after yearly taxation. That $124,000 you invested 10 years ago at [...] If you do nothing, 10 years from now you could still have 10 years to pay on your mortgage and your home would be valued at almost $400,000. So if you purchased your home for $150,000 in 10 years at just 5% annual appreciation, your home will be valued at $244,000. Absolutely YES! A lower interest rate can free up some of your monthly mortgage payment for investing. Invest Your Home in the Stock Market Remember these are averages. The difference between the rate of return (11.2%) you are earning and the interest (6.4%) you are paying is called the “float” (4.8%). This means that in 10 years that $434,000 is worth about $320,000 in today’s dollars.
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