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Old 02-13-2021, 02:39 PM   #7195
Buehler445 Buehler445 is offline
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Join Date: Apr 2007
Location: Scott City KS
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Quote:
Originally Posted by KCUnited View Post
So after maxing out a 401K, IRA, HSA, and having a 6 month emergency fund, would the minimum goal of investing all other funds be to simply gain more than your mortgage interest rate?

Assuming you're free of all other debts
Yeah. If you’re not outrunning the return on your debt service you need to just service the debt from a pure mathematical perspective. But there is some value in diversification. Over time a diversified portfolio should outrun debt service for sure so you need to be a little patient. But at minimum yeah your return should be higher than your interest rate.
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