We all now that cars are a depreciable asset however a necessary evil in Sydney. I am in the process of buying one. I would like to share my thoughts on what I think may be a more creative way to MINIMISE my loss and MAXIMIZE use of capital. Here is my situation : ** I would like to purchase new car - Cost is $73K ** I have funds available parked in my LOC ** I do not wish to salary sacrifice as K's are not sufficient to offset Fringe Benefits Tax I have put together a spreadsheet showing what would happen if instead of using the 73K I use a margin loan + 73K Capital to invest in the Navra fund over a period of 3 years. I then take out a lease with 60% residual. From my research at the end of the lease I simply return the car back to leasing company. A few assumptions. ** 10% p.a return on Navra Fund ** 5% capital Growth ** 34% tax rate If my calculations are correct at the end of Year 3 I am ahead $19K. Please feel free to take my spreadsheet apart !