Investment Analysis
Compare projected after-tax returns against guaranteed interest savings from debt payoff. Track allocation, risk, and account placement.
Hurdle Rate: Visa (24.99% APR)
Prioritize guaranteed debt payoff before incremental investing.
After-tax expected return: 680.00% vs guaranteed 24.99% avoided interest.
Hurdle Rate: HELOC (9.25% APR)
Prioritize guaranteed debt payoff before incremental investing.
After-tax expected return: 680.00% vs guaranteed 9.25% avoided interest.
Equity ETFs / Index Funds
Broad-market index funds (e.g. VTI, VXUS). Low-cost, tax-efficient in taxable accounts. Core long-term holding.
Risk: medium
Individual Stocks
Concentration risk. Review sector exposure, earnings quality, and position size vs portfolio.
Risk: high
Cryptocurrency
High volatility, regulatory risk. Allocate only what you can afford to lose entirely. Use hardware wallet for self-custody.
Risk: high
Cash / Money Market
HYSA, T-bills, money market funds. Guaranteed yield; compare against outstanding debt APRs.
Risk: low
Retirement Accounts (401k / IRA)
Maximize employer match first. Tax-deferred or Roth growth; optimize asset location (bonds in tax-deferred, equities in Roth).
Risk: low
Real Estate / HELOC Equity
Track home equity, rental income, depreciation deductions. HELOC rate vs investment return hurdle analysis.
Risk: medium
Educational only. Past performance does not guarantee future results. All investment decisions require review by a licensed financial advisor.