Should you overpay your mortgage or invest?
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Should you pay off your mortgage early or invest? We explore three scenarios of paying off your mortgage early, investing it fully into the S&P500 or going half and half and exploring how much money you would have at the end of 25 years.
The reality is, there may be a clear financial winner, however, this is also about your stage of life and your preferences and appetite for risk. Paying down your mortgage is a guaranteed saving as the interest lowers. Investing it in a Stocks & Shares ISA may yield higher returns, but isn't guaranteed.
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Assumptions:
£300k Mortgage
2% Interest
25 Years Remaining
7% Annualised Performance on S&P500
----
Timestamps:
00:00 Intro
00:59 If you didn't invest or repay off early - analysis
01:40 Paying off mortgage early - analysis
02:18 Investing into a Stocks & Shares ISA
04:48 Half & half method - overpay mortgage & invest
05:19 Summary of 3 methods - which is best?
05:48 The reality of making the right financial decision
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🐦 Twitter - https://twitter.com/wtf_property
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WHO AM I:
I'm Matt, a product owner and property investor working in London, UK. I make videos about money, finance and property investing to help people lead a more financially savvy life. In my spare time, I’m documenting what it takes to diversify my income and build a business.
GET IN TOUCH / BUSINESS:
If you’d like to talk, I’d love to hear from you. DM @mattbrighton_ on Instagram and I'll happily get back to you!
PS: Some of the links in this description are affiliate links that I get a small 'thank you' from, to help fund this channel. It also means you can get awesome deals with my affiliate partners! 😁
Видео Should you overpay your mortgage or invest? канала Matt Brighton
Should you pay off your mortgage early or invest? We explore three scenarios of paying off your mortgage early, investing it fully into the S&P500 or going half and half and exploring how much money you would have at the end of 25 years.
The reality is, there may be a clear financial winner, however, this is also about your stage of life and your preferences and appetite for risk. Paying down your mortgage is a guaranteed saving as the interest lowers. Investing it in a Stocks & Shares ISA may yield higher returns, but isn't guaranteed.
----
Assumptions:
£300k Mortgage
2% Interest
25 Years Remaining
7% Annualised Performance on S&P500
----
Timestamps:
00:00 Intro
00:59 If you didn't invest or repay off early - analysis
01:40 Paying off mortgage early - analysis
02:18 Investing into a Stocks & Shares ISA
04:48 Half & half method - overpay mortgage & invest
05:19 Summary of 3 methods - which is best?
05:48 The reality of making the right financial decision
🏡 Analyse Property Deals Like a Pro - https://wtfpropertyinvesting.com/property-deal-analyser
** Get FREE Stocks & Shares Worth Up to £200!! **
🪙 Free Bitcoin - https://go.mattbrighton.co.uk/coinbase
📈 Trading212 - https://go.mattbrighton.co.uk/trading212
📊 FreeTrade - https://go.mattbrighton.co.uk/freetrade
MY *FREE* SKILLSHARE CLASSES:
👨💻 How to Freelance on Fiverr - https://skl.sh/32qhXzb
🔎 SEO Rank Higher in Google - https://skl.sh/3j3gELP
MY GEAR
4K Camera - https://go.mattbrighton.co.uk/camera
Lens - https://go.mattbrighton.co.uk/lens
Shotgun Mic - https://go.mattbrighton.co.uk/mic
Audio Recorder - https://go.mattbrighton.co.uk/audiorecorder
Lighting - https://go.mattbrighton.co.uk/lighting
Tripod - https://go.mattbrighton.co.uk/tripod
Mic Boom Arm - https://go.mattbrighton.co.uk/micstand
Podcast Mic - https://go.mattbrighton.co.uk/podcastmic
Podcast Mic Stand - https://go.mattbrighton.co.uk/podcastmicstand
USB Audio Interface - https://go.mattbrighton.co.uk/audiointerface
Monitor Desk Arm - https://go.mattbrighton.co.uk/monitorstand
Macbook Pro - https://go.mattbrighton.co.uk/macbookpro
Sony Headphones - https://go.mattbrighton.co.uk/headphones
1TB External SSD - https://go.mattbrighton.co.uk/ssd
Wireless Mouse - https://go.mattbrighton.co.uk/mouse
Wireless Keyboard - https://go.mattbrighton.co.uk/keyboard
MY TOOLS
📽️ YouTube SEO - https://www.tubebuddy.com/mattbrighton
🎵 Background Music - https://mattbrighton.co.uk/epidemicsound
💻 Webhost - https://wtfpropertyinvesting.com/wpxhosting
🖌️ Website Builder - https://go.mattbrighton.co.uk/elementor
🎨 Graphics & Visuals - https://wtfpropertyinvesting.com/canva
📚 Free Audible Book - https://go.mattbrighton.co.uk/audible
📨 Email List Builder - https://go.mattbrighton.co.uk/convertkit
STAY CONNECTED
☕ Buy me a coffee - https://www.buymeacoffee.com/mattbrighton
💌 Sign up to my email newsletter - https://wtfpropertyinvesting.com
🌍 My website / blog - https://wtfpropertyinvesting.com
📸 Instagram - https://www.instagram.com/wtfpropertyinvesting
🐦 Twitter - https://twitter.com/wtf_property
📘 Facebook - https://www.facebook.com/wtfpropertyinvesting
WHO AM I:
I'm Matt, a product owner and property investor working in London, UK. I make videos about money, finance and property investing to help people lead a more financially savvy life. In my spare time, I’m documenting what it takes to diversify my income and build a business.
GET IN TOUCH / BUSINESS:
If you’d like to talk, I’d love to hear from you. DM @mattbrighton_ on Instagram and I'll happily get back to you!
PS: Some of the links in this description are affiliate links that I get a small 'thank you' from, to help fund this channel. It also means you can get awesome deals with my affiliate partners! 😁
Видео Should you overpay your mortgage or invest? канала Matt Brighton
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