How much does a C63 AMG owner make?
Senior Member
Joined: Jul 2014
Posts: 426
Likes: 66
From: So Cal
86 Targa, 91 560SEL, 06 E55 Estate, 13 C2S, 21 MACAN GTS, 05 R6 Track, 15 R3 RACE BIKE
Well, like I said, we all have different views on this subject. The way I look at it, basically you are taking a loan against a depreciating asset to go invest in the stock market or whatever investments. 
While your math is correct, it doesn't account for risk. In this scenario you have double the risk. 1. Loan on a very expensive depreciating car & 2. The investment has its own risks depending on the type of investment.
So, yes you have come out ahead, but exposed your self to a ton of risk.
This may be an acceptable amount of risk for you, but certainly not for me.
While your math is correct, it doesn't account for risk. In this scenario you have double the risk. 1. Loan on a very expensive depreciating car & 2. The investment has its own risks depending on the type of investment.
So, yes you have come out ahead, but exposed your self to a ton of risk.
This may be an acceptable amount of risk for you, but certainly not for me.
Agree with this 100%, but it requires a person invest the 110k rather than spend it (using your example). IMHO, the argument to pay this item in cash is a personal justification of the cost of the vehicle rather than a detailed analysis of the costs involved.
For example, "If I can scrape together the $75k for this car, I can have it,," rather than, "Is the cost of this vehicle commensurate with my income and other debts?"
For example, "If I can scrape together the $75k for this car, I can have it,," rather than, "Is the cost of this vehicle commensurate with my income and other debts?"
Member
Joined: Apr 2015
Posts: 232
Likes: 7
a UFO
what i want to know is what investment gives you a solid 9% return. I have 40k that I am debating on if I should put it as down, or invest instead. Meanwhile it is sitting in my account doing nothing. I am waiting for the sedan version to be readily available to pull the trigger.
MBWorld Fanatic!
Joined: Jan 2008
Posts: 6,621
Likes: 55
From: Naperville, IL/Chicago
2008 CLK63 Black Series 2012 C63 Black Series 2014 SLS Black Series
Well, like I said, we all have different views on this subject. The way I look at it, basically you are taking a loan against a depreciating asset to go invest in the stock market or whatever investments.
While your math is correct, it doesn't account for risk. In this scenario you have double the risk. 1. Loan on a very expensive depreciating car & 2. The investment has its own risks depending on the type of investment.
So, yes you have come out ahead, but exposed your self to a ton of risk.
This may be an acceptable amount of risk for you, but certainly not for me.
While your math is correct, it doesn't account for risk. In this scenario you have double the risk. 1. Loan on a very expensive depreciating car & 2. The investment has its own risks depending on the type of investment.
So, yes you have come out ahead, but exposed your self to a ton of risk.
This may be an acceptable amount of risk for you, but certainly not for me.
MBWorld Fanatic!
Joined: Jan 2008
Posts: 6,621
Likes: 55
From: Naperville, IL/Chicago
2008 CLK63 Black Series 2012 C63 Black Series 2014 SLS Black Series
what i want to know is what investment gives you a solid 9% return. I have 40k that I am debating on if I should put it as down, or invest instead. Meanwhile it is sitting in my account doing nothing. I am waiting for the sedan version to be readily available to pull the trigger.
Senior Member
Joined: May 2014
Posts: 276
Likes: 0
From: BayArea, CA
2010 c63 (p31) w/LSD
There is no single one investment that can guarantee a 9% return or any return for that matter other than things like t bonds savings bonds with petty 1.5% roi's. My portfolio includes investments that have made 200% and ones that have lost 50%. Over the past couple years my portfolio is actually averaging way over 9-10% positive gains. Investing is a risk, no question about it, right now I am riding a good wave but waves always crash eventually. Everyone has there own way of doing it, the guy posting saying if you don't pay cash you can't afford it has his theories and I have mine but all I know is the cars in his sig line are not as cool as the ones in mine so I guess my tinvestment theory is working better than his at this stage of the game lol
I very much agree with you. Financing a car doesn't mean "you can't afford it" And yes for the record mine is financed with my credit union because they gave me a 2.5% interest rate for 7 years! I am not going to pay it off early or ever make larger payments then required because I can easily make more than the interest rate by putting money elsewhere so why would I pay it off? Call me dumb if you want but if someone wants to give me free money or money to use elsewhere at less % than I can make on it I will take it all day. That is the way I look at it and always have, free or free after investment money is like a rebate of sorts.
It's basic math, if x > y you take x not y!
