ConsenseShould I pay down my mortgage or invest the extra money?
Prepaying a mortgage is a guaranteed return equal to your interest rate; investing has a higher expected return with real variance. The right answer depends on your rate, your risk tolerance and your liquidity needs. This is general information, not financial advice.
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What actually decides it
Your mortgage rate
The higher the rate, the more a guaranteed prepayment return beats uncertain market returns.
Risk tolerance and horizon
Investing wins on average over long horizons, but not every year.
Liquidity
Home equity is hard to access. Investments and cash keep options open for emergencies.
Tax-advantaged room first
Unused retirement account space often beats both options.
What would change the answer
- A mortgage rate change or renewal
- Whether you have an emergency fund
- Available tax-advantaged contribution room
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