Secrets of More Money
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پستهای کانال
The break-even math
With market deposit rates above 15%, a mortgage becomes financial suicide. Simple math: the mortgage payment today is significantly higher than the cost of renting a similar property.
It is more profitable to place the difference between the mortgage payment and rent into a savings account with compound interest. At current rates, the break-even point for a mortgage is unattainable for most people within their life cycle.
A mortgage is only profitable when inflation "eats" the principal of the debt faster than you pay interest to the bank.#mortgage #rates #deposit
| 2 |  Price stagnation risk with expensive credit
Buying an apartment with a 17%+ mortgage is only justified if housing prices grow by 20-30% per year. If the market stagnates, you are trapped: the asset value does not rise, but the interest on the loan continues to eat your income.
You will overpay the bank an amount equal to the price of another apartment over 10 years. It is mathematically impossible to compensate for this through simple price growth in a market with limited demand.
Do not believe in the "eternal growth" of concrete; believe in the time value of money.
#realestate #economics #credit | 194 |
| 3 |  The spread as a hidden fee
When selling a bond, you rarely receive a "fair" market price. The difference between buying and selling (the spread) is an invisible tax on your liquidity, which is often ignored when calculating yield.
If your money sits in a deposit earning interest, in bonds, you pay the market maker for the opportunity to exit. The lower the liquidity of a specific issue, the wider this spread, and the more expected profit you lose when trying to withdraw capital early.
The lower the liquidity of an issue, the more expensive your every move on the exchange becomes.
#investing #liquidity | 166 |
| 4 | بدون متن... | 174 |
| 5 |  The trap of the "nominal" standard of living
When prices rise by 5–10% per year, but your income only grows by 3%, you are becoming poorer even if you are nominally making more money. This is the most dangerous illusion: we feel richer because we see a salary increase, but we ignore the rising costs of basic needs.
This creates a false sense of security that "everything is fine." In reality, you are gradually downgrading your quality of life, switching to cheaper alternatives.
If your income does not outpace the real inflation of your goods basket, you are downshifting without even realizing it.
#income #realincome | 175 |
| 6 | The trap of the "nominal" standard of living
When prices rise by 5–10% per year, but your income only grows by 3%, you are becoming poorer even if you are nominally making more money. This is the most dangerous illusion: we feel richer because we see a salary increase, but we ignore the rising costs of basic needs.
This creates a false sense of security that "everything is fine." In reality, you are gradually downgrading your quality of life, switching to cheaper alternatives.
If your income does not outpace the real inflation of your goods basket, you are downshifting without even realizing it.
#income #realincome | 161 |
| 7 |  Dividends versus capitalization
Compare two scenarios. In the first, a company pays out 5% in dividends; you pay tax and reinvest the remainder. In the second, the company retains the profit, the share price increases by that same 5%, and you pay nothing until you sell.
Mathematically, the second scenario is always more efficient due to the time value of money. Tax deferred for 10 or 20 years is an interest-free loan from the government that continues to work for you, generating profit.
Tax deferral is more efficient than any dividend strategy.
#strategy #capital | 154 |
| 8 | بدون متن... | 163 |
| 9 | بدون متن... | 171 |
| 10 |  Why Your Index is Higher than the Official One
Official inflation is an "average temperature of the hospital" that combines prices for mortgages, luxury clothing, and basic groceries. Your personal basket almost always consists of high-frequency purchase items, which are the ones that increase in price the fastest.
Daily consumer goods react first to costs, while durable goods may become cheaper or stay flat due to promotions. If you spend 80% of your budget on food and utilities, your personal inflation rate will always be higher than what is reported in the news.
Do not trust averaged figures when planning long-term savings. Calculate your expenses manually.
#finance #investing | 243 |
| 11 |  Total cost of ownership and negative cash flow
Your own home is a liability with constant negative cash flow. Beyond the mortgage payment, you incur costs for taxes, insurance, major repair contributions, and utility bills for the "extra" square footage.
If you calculate the TCO (Total Cost of Ownership), it turns out that owning costs are comparable to renting a similar apartment. The difference is that when renting, you control your surplus cash, while owning forces you to spend it on maintaining walls.
Do not confuse the cost of living with the cost of owning an asset. The latter is always more expensive due to hidden transactional costs.
#budget #finance #realestate | 236 |
| 12 |  Commissions eat your coupon
Many investors look only at the yield to maturity, ignoring real costs. You must subtract broker fees for buying, selling, and exchange fees from the final profit. If your capital is small, even a 0.05% transaction fee turns into tangible losses over distance.
A yield calculator often lies, ignoring your transaction costs.
When calculating real profit, subtract everything: from exchange fees to custody fees. A bank deposit is more transparent in this regard: there are usually no fees for opening or maintaining it at all.
#bonds #finance | 242 |
| 13 |  Why buybacks are more profitable than dividends
Share buybacks are the most efficient way to return capital to shareholders in terms of tax optimization. Unlike dividends, a buyback does not create a taxable event for the investor.
When a company buys back its shares, the number of shares in circulation decreases. Your share in the business grows automatically, and the share price generally receives support.
“A buyback is an invisible dividend that compound interest accrues on your share of business ownership.”
In the long run, companies that practice regular buybacks often show higher returns than dividend lovers.
#stocks #buyback | 238 |
| 14 | بدون متن... | 207 |
| 15 |  YTM math vs. reality
The Yield to Maturity (YTM) you see in your app assumes you will reinvest all coupons at the same rate. This is a dangerous assumption.
In reality, market rates change. When it comes time to reinvest a coupon, the market may offer a yield significantly lower than the one at the time of the first bond purchase. A fixed-rate deposit for the entire term frees you from this uncertainty, guaranteeing yield without the need to constantly look for reinvestment options.
#investing #analytics | 233 |
| 16 |  Payout ratio as a risk indicator
Watch the Payout Ratio — the share of profit going to dividends. If a company gives away more than 60–70% of FCF to payouts, that's an alarm bell. It has no financial cushion in case of a crisis or the ability to invest in breakthroughs.
High dividend yield is often a sign that the market doesn't believe in the company's future.
Such companies become 'leveraged bonds': they don't grow, but they carry stock market risks. It's the worst of both worlds, where you get bond-level returns but with stock volatility.
#risks #portfolio | 260 |
| 17 | بدون متن... | 214 |
| 18 |  The risk of inaction exceeds market risk
Investors often fear that the market will drop by 20%. But they ignore the fact that over 3–4 years, inflation is just as likely to eat away that same 20% of their purchasing power if they keep their money in cash.
This is an asymmetric risk: the market can recover and generate profit, while inflation is an irreversible process. Over a ten-year horizon, the risk of "holding" capital in cash is statistically higher than the risk of owning a high-quality, diversified portfolio of stocks and bonds.
Stop measuring risk by asset price drops. Measure it by the loss of your ability to buy goods tomorrow.
#riskmanagement #savings | 246 |
| 19 |  Core and satellite strategy
Try dividing your portfolio into two parts. The "core" is bank deposits with a clear term, creating a foundation and providing confidence. The "satellites" are bonds that allow you to increase yields above the market through corporate issues or long-term government bonds.
This approach eliminates wavering between instruments. You know exactly why you need both types of assets and do not try to "outplay the market" in an attempt to guess the rate peak.
Portfolio stability is more important than trying to squeeze out an extra half-percent of yield.
#portfolio #passiveincome | 219 |
| 20 | بدون متن... | 224 |
