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đ āļģāˇāļ´āˇāļēāļŊāˇ āļ āļāļē āļ´āˇāļŊāˇāļļāļŗ āļˇāˇāļąāˇāļ āˇāļģāˇāˇāˇāļ āļąāˇāļ¯āˇâāļģāļāˇ āļāˇāļēāˇāˇāļ¸. đ
- Thread starter Ritigala Jayasena69
- Start date
āļāˇāˇ āļļāˇāˇāˇ āļ¯āˇāļģāļ§. āļ¸āˇāˇāˇ tourist entertaining āļ´āˇāļ§āˇ āļāļ āˇāˇāļŠāˇ āļāļŊāˇāļāˇ āļ¸āˇāļŊāˇāļ§ āļēāļą āˇāˇāļ§āˇ āļāļāˇāļąāˇ portion āļāļāļāˇ āļ¸āˇāˇāˇāļ§ āˇāļģāˇāļāļąāˇāļą āļ´āˇāļŊāˇāˇāļąāˇ. āļ¯āˇāļąāˇ āļāˇāļŠāļāˇ āļāˇāļąāˇāˇāļŊ āļāˇāˇāļ¸ āļāļģāļąāˇ.
āļ¸āˇ āļ āˇāļąāˇāļāļ¸ āˇāˇāļ§āˇāļŊāˇ āļāļāļ
Peg āļąāˇāˇāˇāļēāˇ āļąāˇ... āļ´āˇāļŊāˇāļē āļ āļ°āˇāļēāˇ āˇāˇāļļāˇāļēāˇ. āļ¸āļ§ āˇāˇāļāļēāˇ āļ āļāˇāļą.
āˇāˇāˇāļą āļāļģāˇāļąāˇāļą āļ āļąāˇāļāˇ imports āˇāˇāļąāˇāˇ. āļ¸āˇ āļ āˇāˇāļģāˇāļ¯āˇāļ¯āˇ āļāļąāļēāļą āˇāˇāļēāļ¯āļ¸ āļŠāˇāļŊāļģāˇ āļļāˇāļŊāˇāļēāļą 20āļāˇsoft peg neh, imports limit karala nisa me gana thiyenne tika tika release karanna karanna uda yai
āļ¸āļ§ āˇāˇāļāˇāļąāˇāļąāˇ āļļāˇāļģāˇ āļāˇāļąāļāļ§ āļ āļŊāˇāļŊāļąāˇ āļāļąāˇāļąāˇ āļāˇāļēāļŊāˇ
Mr. Nandalal āļāļ¸āļēāˇ āļ¯āļąāˇāļąāˇ āļāļāˇāļ
He cashed out when it was 360 saying it will never go up.
So take this with a pinch of salt.
So take this with a pinch of salt.
āļāˇāˇāļģ āˇāˇāļģāļāˇāˇāˇāļāļāˇāˇāļāˇ āļąāˇāļāˇ āļģāļ§āļāļ§ āļāˇāļģāˇ āļāˇāļąāˇāļąāļąāˇāļą āļ¯āˇāļąāˇāļąāˇāļāˇ āļ āļąāˇāļāļāˇ āļļāļŠāˇāļ¸ āļāļ¸āļēāˇ. āļ¯āˇāļąāˇ āļāļģāļą āˇāˇāļ¯āˇāļēāļ§ āļ āļāˇâāļēāˇāˇāˇâāļē āˇāˇāˇāļą āˇāˇāļāļģāļāˇ āļāˇāļąāˇāļą āļ¯āˇāļąāˇāļą āļāļą āļāˇ āļ āˇāˇāļģāˇāļ¯āˇ āļāˇāļ´āļēāļāˇ āˇāļāˇ āļēāļąāļāļąāˇ.
āˇāˇāļļāˇāļēāˇ āļ§āˇāļāˇāˇāˇ āļāļ āļāˇāļļāˇāļĢāļ§āļāˇ āˇāļŠāˇ āˇāˇāļŠāˇ āļāļģāļŊāˇ āļ´āˇāļ¯āˇāļāļŊāˇāļ āˇāˇāˇāļą āļāˇāļąāˇāļąāļąāˇāļą āļ¯āˇāļąāˇāļąāļ§ āļāļ¸āļāˇāļāˇ āļąāˇ.
The objective here is not to speculate on currency, it's to speculate on borrowing.
- We're confident, even according to the central banks own standards we're going to have rupee denominated inflation. Assume it's at 5%?
- Current rates for borrowings are near all time lows. You will most likely not get the chance to recreate this. I doubt lending will drop into single digits as the incentives may drive inflationary pressures (much like the US during its fed rate cut days).
- You're left with an opportunity to borrow in LKR to produce yield on that. Essentially a carry trade. \
- We know that for a fact that over 15-20Yrs inflation will happen. The degree to which it will occur may change but you have the opportunity to completely change your life with a well thought out, structured investment in anything that acts as a good long term hedge.
- Essentially, if you play your cards right - the bank will buy you an asset. Your job is to figure out what the asset is, how it will perform and generate returns for you, while minimizing its downside risk.
- Remember, your borrowing capacity is finite, so figure out what asset you can get. It is usually 60% of your income as the mortgage payment - so figure out the asset wisely.
- The bet that I made was to acquire a high-end real estate asset on the beach that currently generates 7-8% USD denominated returns (post fees). As well as being leveraged on margin on my stock position (dividends cover my carrying cost).
- If you're able to structure that with let's say 20-30% equity, 70% debt, your net interest cost as a value of the asset offsets.
- Allow inflation & currency depreciation to act as the driver to pay off your asset from its own performance.
- I'm doing a 20Yr mortgage on the property with the expectation of a surplus being generated from year 2-3 (assuming that the rupee dips to about 330). When you eventually sell the asset, cover your interest costs and all other costs to off set your capital gains tax.
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