Getting a Debt Without Liquidating Investments at Low Interest
Explanation: Users can get a debt at low-interest rates without liquidating their current investments. This allows them to access the needed cash without touching their financial saving
Benefit: Since the investment is not liquidated, it continues to grow in value, enabling users to continue investing while also using debt to meet their financial needs. Example: A person wih a 10,000 $ investment can use it as collateral to obtain a debt at a low interest rate without selling or withdrawing the investment.
Investment Appreciation During the Debt Period
Explanation: During the debt repayment period, the investment continues to appreciate in value. This means users can benefit from the growth of their investment while paying off their debt. Benefit: Users can earn returns from their investment while still repaying their debt, which helps reduce financial stress. ExamplFe: A user who has a 10,000 $ investment takes out a 3,000 $ debt. As the investment grows, for example by 10%, the user benefits from the 1,000 $ gain on the investment without having to sell it.
Investing to Meet Immediate Needs (Investing on Installments)
Explanation: Users who want to invest but need immediate cash can take out up to 90% of their investment's value while leaving the rest invested. They can use this cash to meet their needs while continuing to pay in installments. Benefit: This system allows users to access needed cash without selling their investments. They can also pay it back in installments, allowing them to keep their investment intact and continue earning. Example: A user with a 10,000 $ investment can withdraw 9,000 $ (90%) of it. They can pay it back in installments while their investment remains intact, continuing to appreciate.
Investing Instead of Paying Cash for Purchases
Explanation: Users can choose to invest instead of paying cash for an item or service. They can take out a debt using the investment as collateral and pay for the purchase in installments. Benefit: Users gain financial flexibility for large purchases or investments, and at the same time, they continue benefiting from the appreciation of their investment. Example: Instead of paying 15,000 $ in cash for a product, a user invests 15,000 $ and uses the investment as collateral to take out a debt. They can then buy the product and pay in installments while their investment continues to grow in value.
General Benefits and Flexibility for the User:
Users can meet their financial needs while still benefiting from their investments.
For people who want to invest but need cash, they can invest and pay in installments, offering greater financial flexibility.
During the debt repayment period, the investment continues to appreciate, giving users additional earnings.
Users can continue to invest without liquidating their savings while also using debt to cover immediate expenses.
This way, users can save and invest at the same time, while having access to debts and maintaining financial flexibility.
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