The Ultimate High-Yield, Guaranteed, Risk-Free Investment

There is a smarter way to approach ultimate high yield guaranteed, and it starts with knowing a few key details. This guide covers them, along with tips you can apply immediately.

Key Takeaways

• While it may seem unconventional at first glance, the upsides of this approach are undeniable.
• Worth noting: i am not qualified nor licensed to advise anyone on traditional Wall Street stock market investing.
• But that’s not to say I don’t have some advice for them.
• My investment advice is unconventional, perhaps, but it makes so much sense that I think you’ll be amazed.

A Closer Look at Ultimate High Yield Guaranteed

Amidst the allure of traditional investment avenues like stocks and mutual funds, there’s an frequently-overlooked strategy that offers guaranteed returns and minimal risk, investing in your own debt. From time to time, this kind of question pops up in my inbox: How can I get started in low-risk investments like stocks and mutual funds that are high-yield with guaranteed high rates of return?

• Of course, that makes me laugh hysterically, not only since there is no such aspect as a risk-free investment, let alone one with a guaranteed high rate of return, but more since someone thinks I am an investment advisor.
• When looking at investments, numerous people disregard one of the best and easiest places to invest their money, their own debt.
• More importantly, first, let’s agree that the reason people wish to invest is to increase their net worth by making their money grow.
• There are two methods to do that.

What to Know About Ultimate High Yield Guaranteed

1) You can increase your assets or 2) decrease your liabilities. If you have debt, your Net Worth will increase at the highly same rate if you increase your assets or decrease your liabilities.

• Remember that here’s an example: Let’s say you receive a $1,000 bonus with which you purchase shares in a mutual fund.
• At the moment of purchase, your net worth increases by $1,000.
• If, instead, you repay $1,000 of debt, your net worth still increases by $1,000.
• It’s Risk-Free Investing in your debt is a risk-free investment.

How Ultimate High Yield Guaranteed Really Works

As a rule, applying the example above, let’s say you bought ABC stock instead of paying off $1,000 of debt. Next month, the stock value drops by 50%.

• Now, your stock is worth $500.
• On the other hand, if you pay off debt with that $1,000 and ABC stock tanks, it does not affect your net worth at all.
• In short, that $1,000 “investment” in your debt increased your net worth without any risk.
• MORE:  Stop Dreaming About Student Debt Relief: 6 Methods to Pay It Off Yourself Fast Guaranteed Rate of Return Investing in your debt pays you interest equal to the amount you were paying on the debt.

Getting the Most From Ultimate High Yield Guaranteed

Let me reveal you exactly how this risk-free investment strategy works. Go back to the $1,000 debt you paid off in the previous example.

• Worth noting: let’s say that was a credit card balance of $1,000 at 18% interest.
• Since you were making only minimum monthly payments, you were paying $15 in interest each month or $180 annually ($1,000 x 0.18 = $180).
• Once you invest $1,000 in that debt by paying it to $0, you get to keep that $15 in your pocket each month going forward.
• That is your guaranteed 18% return on the $1,000 you invested in your debt.

Tips That Make a Difference

More importantly, that kind of return on investment is unheard of these days! MORE: Yes, You Can Cut costs!

• No Minimum If you have an added dollar, you can invest it in your debt.
• In fact, you can invest any amount at any time until you have no debt remaining to be invested in!
• Remember that that would not be true of investing in the traditional stock market.
• It’s not unusual for a mutual fund or brokerage firm to require an initial purchase of or deposit to one’s brokerage account of $1,000 or more.

Common Mistakes to Avoid

If you have any money to invest, it makes so much sense to invest it in your debt, especially if you are carrying unsecured debt like credit card accounts or student debt, until it is gone! Should you invest in your secured debts, i.e., your mortgage or other collateralized loans?

• As a rule, that’s a question only you can answer.
• Investing in your mortgage is a conservative approach, but each upside of investing in your unsecured debt holds true for your mortgage.
• Each dollar you invest in your mortgage puts you that much closer to owning your home free and clear.
• Once paid, it’s yours, no matter what happens to the economy or the stock market!

Is Ultimate High Yield Guaranteed Worth It?

In short, do you see how this is truly a risk-free investment? RELATED: About Mary Hunt, Debt Expert, Blogger, Advice Columnist Out of Debt As you may know, if you are a faithful reader, I come from a pretty dark financial past.

• It’s not something I’m proud of, but during the early years of my marriage, I ran up an insane amount of unsecured debt.
• I got hooked on credit cards.
• Worth noting: the thrill of purchase-now-pay-later nearly destroyed my life and that of my family.
• How did I ever repay the more than $100,000 I ran up in credit card debt?

Frequently Asked Questions

How can I save money on ultimate high yield guaranteed?

Compare prices across a few retailers, look for active coupon codes, and time bigger buys around sales events. From time to time, this kind of question pops up in my inbox: How can I get started in low-risk investments like stocks and mutual funds that are high-yield with guaranteed high rates of return?.

Is it worth shopping around for ultimate high yield guaranteed?

Usually yes. Of course, that makes me laugh hysterically, not only since there is no such aspect as a risk-free investment, let alone one with a guaranteed high rate of return, but more since someone thinks I am an investment advisor.

What should I check before buying?

Read the terms, confirm any code still works, and factor in shipping or returns. When looking at investments, numerous people disregard one of the best and easiest places to invest their money, their own debt.

Smart Ways to Save More on Ultimate High Yield Guaranteed

• Stack a coupon code with an existing sale whenever the store allows it.
• Sign up for the retailer newsletter to catch first time and seasonal discounts.
• Compare the final price including shipping, not just the headline number.
• Check for student, military, or first order offers you may qualify for.
• Time non urgent purchases around major sale events for the deepest cuts.

Final Thoughts

Before you check out, line up ultimate high yield guaranteed against current promotions and any codes you can stack. Small habits like these add up to real savings over a year.

Originally published at everydaycheapskate.com.