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Managed to make about a 14% return last year, but that included holding a larger than normal cash balance through the year in preparation for retiring at the end of this year. If you remove the cash not working, the return would be something above 15% (hard to determine since cash varied through the year). I hit my IRA goal about 2 years ago, so right now I'm just adding to the safety net. I originally planned to pay off the mortgage 4-5 years after retirement to manage income (payoff from IRA), but with my last refinance, the rate is at a point where I'll likely let it go closer to term. The retirement plan does super well when the mortgage is paid off, but if I can eke out a percent or two above the mortgage rate, it's worth letting it run. I'll revisit it as I approach the standard deduction.
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