This is a variable. You can choose what return is target for you. That’s why it’s an excel. It’s for u to change what is required.
Personally , that’s the return I wanted. For others , they can input what’s comfortable for them.
Also, this is not a 100% debt – it’s more like a quasi debt , with a tinge of equity. Given the probability of capital loss ( however minor it is), this figure will give me comfort. Remember when the market jumps, this is not going to be a multiplying quick. I factor in that too and go with a figure that will make me feel at ease.
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