Should you pay off your mortgage or invest? 2022 has made this decision more difficult because interest rates are now higher and investments more volatile than they have been for years. I will explain the factors to consider and all of the important numbers, so you can make the best decision for yourself.


⏰ TIMESTAMPS ⏰
0:00 Start
1:17 The Impact of Changes in 2022
1:54 How Will Interest Rate Changes Affect Your Mortgage?
3:21 The Effect of Inflation on Your Mortgage
5:04 What Returns Can Be Expected From Investments?
6:02 The Effect of Inflation on Investments
7:06 Emotional Factor of Overpaying Mortgage Vs Investing


🤔🤔 ABOUT OVERPAYING YOUR MORTGAGE VS INVESTING 🤔🤔

Perhaps you have some excess income every month that you'd like to do something with, or a small lump sum you'd like to invest. What is the best thing to do with it?

If you have a mortgage, one option is to pay some extra off that mortgage. Another option is to invest in order to get some growth on your money. But which is the best option?

For many people, to pay their mortgage off early would mean financial freedom, and reducing debt more quickly means paying less interest overall.

Other people see the benefit of long term investing, because investments into things like stocks and bonds tend to provide more growth in the long term than the interest rates paid on mortgages.

There are other factors to take into account as well when deciding whether to repay a mortgage faster or invest, such as the impact of inflation on mortgage rates and investment returns.

The decision of whether to pay off debt changed in 2022 somewhat due to higher inflation, higher interest rates and falling investments, so it now needs to be revisited.

Not everything always comes down to a cold mathematical decision either, as there are important emotional factors to consider around repaying debt and mortgages - all of these factors are explained in this video!


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**** DISCLAIMER ****
The content in this video is provided for information and entertainment purposes. It should not be construed as direct or indirect financial advice. You must throughly research any potential financial or investment decision and fully understand the risks before taking it. If in doubt, you should seek individual advice from a professional adviser.


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