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https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.asp https://www.investopedia.com/ask/answers/042415/what-average... Sure, if

• mhb 4y ago
  I don't really disagree, but it's not as obvious as it seems in hindsight. 3.5% (which OP says became 4%) isn't a low interest rate when inflation and other low risk options (e.g., CDs) are <1%. Also, your article says: "Adjusted for inflation, the historical average annual return is only around 8.5%. There is an additional problem posed by the question of whether that inflation-adjusted average is accurate since the adjustment is made using the inflation figures from the Consumer Price Index (CPI), the index which some analysts believe vastly understates the true inflation rate." So maybe the stock index average to use is more like 2x the loan interest.