As someone navigating both a mortgage and a portfolio of investments, this question hits close to home: Should I throw extra cash into my mortgage, or should I invest it instead? It sounds like a simple fork in the road, but the more I’ve thought about it, the more I’ve realised it’s not just about math. It’s about psychology, risk appetite, opportunity cost, and peace of mind. Let me walk you through how I’ve approached this decision, what I’ve learned along the way, and why, despite believing in living debt-free, I lean toward investing instead of aggressively repaying my mortgage.
My backstory
To give some context, my mortgage is a flexi loan. At first, I thought of it like any other mortgage: a big loan from the bank that I chip away at every month. But the flexi feature adds an interesting twist. Here’s how it works in practice. Say…
