How to choose between super and the mortgage

Paying off your home, or saving more for retirement? Low interest rates make one strategy particularly effective.

Summary: Those aged in their 50s may wonder about whether to repay their home loan faster or save spare cash for retirement. Sustained low interest rates make it effective for them to pay only interest on their mortgage and put the savings into super. The lower tax environment and compound earnings make this an effective strategy, allowing the mortgage to be repaid on retirement with extra funds left in super.

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Bruce Brammall

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