The government’s housing tax credit is not really a tax credit, says Investor’s Daily Edge’s Charles Delvalle. It is actually a loan, and it will need to be paid back.

But a 15-year zero interest loan can still be put to good investment use, says Charles. Using it to pay off other high interest loans can result in large savings over time. And with inflation on the rise, the amount to pay back will be worth less in purchasing power terms.

Given these terms, Charles says any safe investment that guarantees the principle is sure to make a profit.