u/acaseofme

Say one has done the sums and is comfortable opting for early retirement at 50 years old, should he then pay off his mortgage OR use the funds sufficient to pay off the mortgage to invest? Afterall housing loan interest rates have come off a lot to below 1.5% and it is not difficult to get investment returns of 4-5%? Of cos the argument is how safe is the investments but fundamentally, I am of the view that the mortgage should NOT be paid off and the gearing is considered “good” gearing. No? Especially so when the LTV on the property is comfortably below 50%.