u/SignificantFun6427

Hi,

I'm renewing my mortgage and I can get up to $150,000 at a rate of 3.9%.

I was wondering if I should accept that and invest that money.

I've maxed out my TFSA so I can't take advantage of tax free investment and my tax would be around 30%.

What's your thoughts on investing that money in a mix of dividend and growth stock like VDY, or some bank and VFV?

I feel like the rate is very safe and I can hold on to it even if the market goes down temporarily.