Investment & Investing

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sidewinder in reply to @bobble

Think you've somewhat called it no? If you are saving and can't beat x% you will ~be richer by the time you finish paying the loan off by overpaying rather than saving while interest rate is whatever your risk appetite for x is? Main difference being overpaying rather than saving doesn't give you money for house (bikes)

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bobble in reply to @sidewinder

I think so yeah but there's always the chance I am not a PAYE with a growing salary for 30 years in which case I am giving up my cash for no reason. I think I have all the info I need to decide but it is a hard call. Cheers

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NotThamesWater in reply to @bobble

there's always the chance I am not a PAYE with a growing salary

Isn't repayment based on overall income, not just PAYE?

As this is the investing thread though - you could head the inflation aspect of the loan repayment with an inflation swap.

Fuck knows where you buy one retail though.

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