Invest in Shares or Pay off Mortgage?
Invest in Shares or Pay off Mortgage?  
Podcast: Friends That Invest
Published On: Mon Jan 19 2026
Description: This week, Sim breaks down the classic personal finance question of whether you should invest or pay down your mortgage, using real numbers to show how interest rates and repayments affect your cash flow. She explains how paying extra on your home loan can save you big on interest and boost peace of mind, but how investing a lump sum in a broad index fund could grow more over the long term if your mortgage rate is lower than expected market returns. Sim finishes with a simple decision framework based on your interest rate, income stability, and risk tolerance, plus the reminder that you can often do both by splitting the money and avoiding paralysis.🎓 Join the WaitlistWatch on YouTube.More from Friends That Invest: Stock Market Tea build financial confidence in under 5 minutes a week. Join 140,000+ investors in trainingInstagram | TikTok | X | Facebook Hosted on Acast. See acast.com/privacy for more information.