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Money and Finances
Reply to "200k - mortgage or market "
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Are you kidding me? Mortgage of course! Where else can you get 4.5% post tax risk free return[/quote] Well, the counterargument I hear is that you'll surpass 4.5% in the stock market. We could always use more retirement funds, but we already have close to 1M in the stock market (plus some bonds) across our retirement and 529s. [/quote] You will have to surpass something closer to 5.7 pre tax in stock market to be comparable since you will pay 20% capital gains tax. That is not that far from long term stock market returns of 8%. Many argue that the stock market is expensive right now implying lower long term returns. Add to that that nothing is guaranteed in stock market and guaranteed 4.5 post tax return becomes very appealing [/quote]
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