- Credit Card
- Real Estate
My mortgage is 3.5% fixed rate. I have enough money to pay off the remaining balance, and still have enough left over for an emergency fund.
My investments have historically made more than 3.5% per year, and I’m fairly confident that I can make an average rate of 3.5% or more going forward. (Not guaranteed, of course, because there is still risk).
Does it make sense to forgo paying off my mortgage early and just invest that money? Other than investment risk/returns, what other factors should I consider?