刚刚读了下面一片文章，转帖在这里供大家讨论。文章认为，快速还清按揭贷款会使家庭资产过分集中在房子上。如果分散投资可能受益更高，资产流动性更大。
我个人观点与文章的意见不是很一致。我自己是尽量加速偿还按揭贷款的。原因是：
1.加速偿还按揭贷款的闲置资金可以享受贷款利率，而且不用缴纳所得税。
2.加速偿还的资金可以通过信用额度取出，并不影响资产流动性。
当然，我加速偿还的是自住房的按揭贷款。投资房的按揭贷款从不加速偿还。
不知道大家怎么想，欢迎讨论。
http://www.moneyville.ca/article/1250662--pros-and-cons-of-faster-mortgage-repayment
Pros and cons of faster mortgage repayment
By Robb Engen | Tue Sep 4 2012
Being mortgage free is a top priority for many Canadians. According to a recent poll conducted by CIBC, current mortgage holders believe they’ll be mortgage free by the time they’re 55, which leaves a short window of opportunity to ramp up their savings before retirement.
Related: 34, mortgage and debt free: Here’s how
To reach mortgage freedom faster, you can capitalize on today’s low interest rates by accelerating your mortgage with extra monthly contributions or lump-sum payments. But homeowners should look at the pros and cons of paying down their mortgage debt quickly versus taking a slower approach and using the excess cash for other investments. Here’s why:
With recent changes to mortgage rules and record low interest rates, now might be the right time to carry long-term mortgage debt while you concentrate on building up your investments.
Related: How much house can I afford?
The expected return on stocks has historically been around eight to 10 per cent. While paying off your mortgage is a guaranteed, risk-free return, the low cost of borrowing means there’s potential to earn higher returns by investing in a balanced portfolio.
If you can earn two or three per cent more by investing instead of paying off debt, the compounded returns over a few decades can really add up.
We also need to diversify our investments. Real estate makes up the largest chunk of our net worth, but most of us have nothing else to show for it. By sinking every available dollar into our mortgage in order to pay it off five or 10 years early, we’re neglecting our investments for far too long.
Related: Is home ownership really a smart investment?
Rather than putting all your money into one asset - your home - take a balanced approach to build up your savings and other investments.
To pay it off, or not to pay it off?
“This is something homeowners should ask themselves every few years as their financial situation changes,” says Bob Stammers, Director of Investor Education at the CFA Institute.
The answer is different for everyone. If you have consumer debt or more pressing financial needs, you need to take care of that first. Some people are risk averse and will always be better off paying their house off faster. Others have a higher risk tolerance and feel more comfortable with investing.
I’m taking a balanced approach by putting an extra $800 a month on top of our regular monthly mortgage payments, saving $800 a month in our tax free savings accounts and investing $400 a month in my RRSP.
我个人观点与文章的意见不是很一致。我自己是尽量加速偿还按揭贷款的。原因是：
1.加速偿还按揭贷款的闲置资金可以享受贷款利率，而且不用缴纳所得税。
2.加速偿还的资金可以通过信用额度取出，并不影响资产流动性。
当然，我加速偿还的是自住房的按揭贷款。投资房的按揭贷款从不加速偿还。
不知道大家怎么想，欢迎讨论。
http://www.moneyville.ca/article/1250662--pros-and-cons-of-faster-mortgage-repayment
Pros and cons of faster mortgage repayment
By Robb Engen | Tue Sep 4 2012
Being mortgage free is a top priority for many Canadians. According to a recent poll conducted by CIBC, current mortgage holders believe they’ll be mortgage free by the time they’re 55, which leaves a short window of opportunity to ramp up their savings before retirement.
Related: 34, mortgage and debt free: Here’s how
To reach mortgage freedom faster, you can capitalize on today’s low interest rates by accelerating your mortgage with extra monthly contributions or lump-sum payments. But homeowners should look at the pros and cons of paying down their mortgage debt quickly versus taking a slower approach and using the excess cash for other investments. Here’s why:
With recent changes to mortgage rules and record low interest rates, now might be the right time to carry long-term mortgage debt while you concentrate on building up your investments.
Related: How much house can I afford?
The expected return on stocks has historically been around eight to 10 per cent. While paying off your mortgage is a guaranteed, risk-free return, the low cost of borrowing means there’s potential to earn higher returns by investing in a balanced portfolio.
If you can earn two or three per cent more by investing instead of paying off debt, the compounded returns over a few decades can really add up.
We also need to diversify our investments. Real estate makes up the largest chunk of our net worth, but most of us have nothing else to show for it. By sinking every available dollar into our mortgage in order to pay it off five or 10 years early, we’re neglecting our investments for far too long.
Related: Is home ownership really a smart investment?
Rather than putting all your money into one asset - your home - take a balanced approach to build up your savings and other investments.
To pay it off, or not to pay it off?
“This is something homeowners should ask themselves every few years as their financial situation changes,” says Bob Stammers, Director of Investor Education at the CFA Institute.
The answer is different for everyone. If you have consumer debt or more pressing financial needs, you need to take care of that first. Some people are risk averse and will always be better off paying their house off faster. Others have a higher risk tolerance and feel more comfortable with investing.
I’m taking a balanced approach by putting an extra $800 a month on top of our regular monthly mortgage payments, saving $800 a month in our tax free savings accounts and investing $400 a month in my RRSP.
