Securing retirement, one calculation at a time.
Robert, at 62, was overwhelmed by the prospect of managing a significant influx of capital from his company sale alongside the ongoing financial management of his automotive dealership. He needed a clear strategy for investing the $5 million after-tax proceeds while optimizing returns from floor plan financing, F&I income, used car inventory, and service department profitability within the dealership.
Using the Holding Period Return Calculator, Robert analyzed the potential returns on various investment options after the sale. He discovered that reallocating a portion of the sale proceeds into a diversified portfolio with an expected average holding period return of 8% would yield significantly higher returns than leaving it in low-yield accounts. The Debt-Service-Coverage-Ratio Calculator helped him assess the dealership's ability to manage its debt obligations related to floor plan financing, ensuring financial stability during the transition. The Times-Interest-Earned-Ratio Calculator helped him assess the company's ability to pay it's debt payments.
The Holding Period Return Calculator was used to compare potential investment scenarios based on historical performance data and projected growth rates. The Debt-Service-Coverage-Ratio and Times-Interest-Earned-Ratio calculators allowed Robert to determine the dealership's ability to pay current debt, thus allowing for a strong debt management plan.
$750,000 gain over 5 years through optimized investment strategy and improved dealership debt management.
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