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Mas afinal é melhor despachar a casa ou não?

10 Jul 2010

Já houve por aqui muito debate acerca de prazos longos versus prazos curtos na compra de casa e até se as amortizações valem a pena. Já defendi a minha posição e houve também outras pessoas com argumentos muito relevantes contra. Ao fim do dia é tudo uma questão de gosto pessoal no que trata a tomar conta das nossas finanças. Mais improtante que método A ou B é fazer o possível para ter um orçamento familiar equilibrado.

Mas voltando ao assunto, hoje vi um artigo muito interessante onde o autor juntou as opiniões de várias pessoas. Mais uma vez as opiniões e os argumentos divergem.

  • Ric Edleman (Ordinary People, Extraordinary Wealth): Never own your home outright. Instead, get a big 30-year mortgage and never pay it off — regardless of your age and income. “Every time you send an extra $100 to your mortgage company, you deny yourself the opportunity to invest that $100 somewhere else.”
  • Suze Orman (The Laws of Money): Invest in the known before the unknown. Paying off your mortgage offers a guaranteed return on investment. “You cannot live in a tax return. You cannot live in a stock certificate. You live in your home.”
  • Elizabeth Warren (All Your Worth): Save 20% of your income. Use 10% for retirement savings, 5% to accelerate your mortgage, and 5% to save for future dreams. “Paying off your home also does something many financial planners neglect to mention: It gives you freedom. Once that mortgage is gone, just imagine all the freedom in your wallet.”
  • Dave Ramsey (The Total Money Makeover): Prepay your mortgage if you can, but only after you’ve saved an emergency fund, and only if you’re putting at least 15% of your income toward retirement. Don’t use a program designed by a broker; use your own self-discipline.
  • Dominguez and Robin (Your Money or Your Life): “Pay off your mortgage as quickly as possible.” This book, too, was written when interest rates were higher. Also, the authors emphasize frugality over investing.
  • iz Pulliam Weston at MSN Money: Don’t rush to pay off the mortgage. “You’ve got better things to do with your money, like saving for retirement, building an emergency cushion or even living it up a little.”
  • Walter Updegrave at CNN Money: If you’ve funded your retirement, and if it will make you happy, then pay down the mortgage. Otherwise, it makes more sense to invest.
  • Laura Rowley at Yahoo! Finance: Using very conservative figures, investing instead of prepaying the mortgage yields an extra $400 per year. If you feel compelled to pay down your mortgage, do it. But realize you’re paying a price to do so. (She offers more details at her blog, as well as tips on how to estimate the investment return you need to earn to make it worthwhile.)
  • Bankrate: Pay down your mortgage if your investments would be conservative. Invest if you’re planning to do so for the long term.
  • USA Today: It depends on your income, your monthly expenses, your risk tolerance, and your desire to own your home free and clear.
  • Kiplinger’s: Invest unless you’re near retirement
  • The Dollar Stretcher: Mathematically, it makes more sense to invest, but it all depends on your risk tolerance.

Recomendo a leitura. A conclusão é a mesma a que já cheguei: depende de muitas coisas e acima de tudo depende das nossas próprias estratégias e convicções.

 

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Etiqueta(s):investimentoscreditos