As from April 2013 my Journey in Investing is to create Retirement Income for Life till 85 years old in 2041 for two persons over market cycles of Bull and Bear.

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This blog is authored by an old multi-bagger blue chips stock picker uncle from HDB heartland!

"The market is not your mother. It consists of tough men and women who look for ways to take money away from you instead of pouring milk into your mouth." - Dr. Alexander Elder

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Thursday, 23 June 2011

Will You Try To Pay Off Your Housing Loan ASAP If You Have One? (10)

Read? Will You Try To Pay Off Your Housing Loan ASAP If You Have One? (9)

Fully paid home may go beyond the Returns of investment dollars and opportunity cost

What is the dollar value of the Mind of Peace and Beloved Gift to your family when you are gone?

The best gifts to leave behind for our family when we are gone are (1) fully paid home (if not, then fully insured mortgage insurance), (2) adequate life insurance coverage and (3) well written Will.

We should aim for ONE THING LESS to worry for them.

So, what is the dollar value of this One Thing less to worry for your family? Anyone?


  1. I agree with you.

    But I would just like to point out that on the other side of the fence; the reason why we are worried is because of fear. The fear of scarcity, the fear of insecurity, the fear of not enough. Its the fear that drives our action to pay up for our mortagage loans etc.

  2. "the fear that drives our action to pay up for our mortagage loans etc"

    Not sure how truth is this statement.

    After debt free, I am all out to invest for bigger returns and take bigger risks. In fact, I was less fearful in my investing strategy.

    Probably, the statement is true for those are not aggressive in their investing strategies after debt free.

  3. If you invest in properties, then unlikely you will be debt free.
    If the property investment is handled well, like with a fully covered mortgage insurance, the dependents may even get a windfall should the investor meet with a major mishap.


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