In this example, the 'risk' is limited to monetary loss assuming that we will produce the time and effort resources necessary to perform either plan. The value received is also identical - the use of the vehicle. In this example we establish a fact that the client definitely wants to get out of the lease in 36 months or less. The beauty of compounding savings is that you no not necessarily have to make regular deposits in a bank account to gain the benefit. You can simply use the saved money for an appreciating asset, like extra principle payment on your home, or simply spend it on items that you would normally buy with credit.
Cash is the best risk management tool.
Another powerful tool is the lease assumption clause built into your contract. Assumptions are easily performed everyday. The benefit to the one that assumes this lease will then be based on a short term lease with an exceptionally low monthly payment. We have numerous clients on a waiting list for lease assumptions. Since the monthly payment is high on the short-term lease, a lease assumption is most likely unavailable.