Author - David Hultstrom, MBA, CFP®, CFA, ChFC

Should You Be Accelerating Your Mortgage Payments?

Should You Be Accelerating Your Mortgage Payments?

What is the optimal mortgage an investor should have on his home? Should investments be liquidated to reduce the mortgage? Or, should the mortgage be kept or even increased in order to increase the investment portfolio?

Though these are common straightforward questions, the answers provided are often simplistic and incorrect. I would like to discuss this in four parts. First, I will clarify the questions and address some common misconceptions. Second, I will address the analytical and rational analyses needed. Third, I will examine some emotional and behavioral constraints. Fourth, I’ll attempt to summarize, and make a few other observations.…

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