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Risk? That's what gets you the reward!
Obvs you might not get 5% per year, some years you might get a lot less, none or negative. But on a long enough timeline with some not totally awful decisions ...
Howard-
agree in broad terms.
I just think it's worth being clear that paying off the mortgage is almost risk free whereas investments are not, and mostly do not return a nice even 5% p.a., and timing the market generally doesn't work, and economic shocks can upset even a balanced portfolio for a significant period.
ChasnotRobert
bold. what about risk?