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Should You Pay Off Your Mortgage or Invest? (A 50-year historical backtest)

A look into the past to assess how often investing has beaten paying off your mortgage. Graphs from the video https://go.novawm.com/MortgageGraphs Financial Planning I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about our services, please follow this link: https://go.novawm.com/getintouch DISCLAIMER: This channel is for education purposes only and does not constitute financial advice. Any opinions or assessments expressed are James’ own opinions or assessments, which are not affiliated with any third party. Any representations stated as facts or views based on such facts are relevant to circumstances applicable at the time of publication. This information should never be relied solely upon to make decisions, and James accepts no liability for any investment actions undertaken by viewers. Please seek regulated financial advice or an advisor if you require assistance. The value of an investment and the income from it can go down as well as up and investors may not get back the amount invested. James Shack™ property of James Shackell Copyright © James Shackell 2024. All rights reserved. The author asserts their moral right under the Copyright, Designs and Patents Act 1988 to be identified as the author of this channel and any video published on it. 00:00 The Problem with Averages 02:24 Tom & His Question 04:07 Historical Market Data 05:24 How the Test Works 07:13 ISA Results 09:24 Different Mortgage Sizes 09:47 Pension Results 12:28 Pension +1 13:34 Different Time Periods 14:27 60% Stocks 40% Bonds 16:31 Key Considerations 19:26 Why this was not for Tom