Are You Better Off Paying Your Mortgage Earlier or Investing Your Money?

On paper, prepaying the principal on your home loan looks like a huge win. By just adding some extra money. Your Mortgage First off, mortgage debt is usually your lowest-rate borrowing, so if you.

If you find yourself. like a 401(k), then investing will save you money. Paying down your debt can give you peace of mind and the freedom to chase other financial dreams. That makes it tempting to.

 · If you can’t stand the idea of keeping mortgage debt, think long term. Instead of paying your mortgage down, invest in a fund paying a higher return than your mortgage rate. Once the account balance equals your mortgage payoff, you can choose to leave the money alone or pay off your loan.

Directing excess cash towards paying down a mortgage means those funds aren’t available for investing. opportunity cost. By paying off your mortgage early, you’ll save on the additional interest expense that would have been incurred in your regular payments. This savings can be significant, and will increase with the prepayment amount.

Rather than letting money languish in a CD, money market or savings account that pays practically nothing, many homeowners might be better served. who believes paying off your mortgage early can be.

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Invest 15%, then use any extra money to pay off your mortgage early. Factors that Affect Your Payoff Early vs. Invest Decision Since the right answer depends on so many factors, I cannot say that mortgage prepayment or investing is better for you.

But just because you can refinance doesn’t mean that it’s always the best move. Sometimes, refinancing your mortgage just isn’t a good idea — and you might be better. off. Because most of your.

 · If you’re nearing retirement and you still have quite a bit of your mortgage to pay, consider paying down your mortgage. That applies to people who are in their 50s or older. Reasons to Invest.

I'm anxious to pay it off sooner, but also need to save for our kids'. free up your liquid cash so you can invest in other funds that could yield. "I'd want to get a better understanding of why it makes you anxious," Ma notes.

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