I have a choice to make: We are renting a new place, and the landlords are giving me the choice between a full month's rent for a security deposit, or a third of that amount as a one-time fee.

I have the money for the full security deposit, but I'll probably come out ahead if I pay the one-time fee and invest the difference.

Should I pay $1000 to avoid giving a 1-year interest-free $3000 loan to my landlord?