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  • 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

  • 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.

  • an inflation swap.

    Fuck knows where you buy one retail though.

    You can buy index-linked gilts but the issue is massive duration & sacrificing equity risk premium.

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