My point is that it's not always worthy of an investment at all. It's just a purchase. It's coming from operating funds. The maneuvering to take out the loan, c

My point is that it's not always worthy of an investment at all. It's just a purchase. It's coming from operating funds. The maneuvering to take out the loan, choose which investments, tax consequences, when might you need that liquidity available again (do you really want to lock it up until retirement?), establishing investment accounts that may not already be established, and all these decisions are, or can be, such an over optimization. Especially if this is a rather immaterial amount of money to you personally. And even if that is a material amount of money for you, you're probably actually better off with the non-ROI producing peace of mind of having your transportation ownership be secured and out of reach of creditors. So, it's hard to make a blanket statement like that.