No. of Recommendations: 1

You wrote, I'd prefer to pay off the loan myself, but not because of the rate of return you'd have to get in order to make the payment. It would be to reduce risk. If you have a job loss, injury, etc., having a paid for house to live in significantly reduces the risk and fallout when your income drops. When your income is normal, you take the money you would have paid towards the mortgage and can invest it.

But if you have an investment poll that's paying (or available to pay) your mortgage irrespective of your current employment status, how much risk are you really taking...?

- Joel
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