Should You Pay Off Your Mortgage or Invest? (A Historical Backtest)

Read the full research paper here - https://www.edvest.com.au/ Should you use extra cash to pay off your home loan or invest in the share market? In this video, we dive into decades of data to find out which strategy provided the highest returns. Using a historical backtest from 1990-2023, I’ll break down the numbers to compare paying down your mortgage vs investing (without debt recycling) vs investing (with debt recycling). Timestamps: 0:00 - 2:01 - Intro 2:01 - Data/assumptions 5:46 - Debt recycling 6:51 - Comparison 14:26 - Summary 15:37 - Other considerations 19:01 - What’s best for you?