I presented myself in another post here, but her is a short recap of my situation.
"Just found out ( i am not counting my money everyday or month, just acting a little mustachian and hoping for the best, checking now and then) That my family is only 80000$ off of beeing debt free. Means that our 470.000$ House 350.000$ Rental apartment and 54000$ Tesla actually is fully ours in just 18month keeping up the savingrate ;-). Thats a good start."
My money is actually organized this way: I have around 100.000$ in a WorldIndex fund and further around 200.000$ on an account so marginally lower interests rates than my loans that i have not bothered to pay the loans off with them. Its actually by subracting theese amounts from my debt that my "rest debt" is 80000$.
Because my house and apartment is so well paid off (value 820.000$ and loans only 300.000$) they will never be sold for any fall in the market. The income from the apartment will also be there even if the prices go down. I plan to invest the rest 200.000$ in the stock market along with my already 100.000$. I know loaning money for buying stocks is not nessesarily a good advice, but my interest rate is 1.9% ( and could be locked to 3% for ten years if i want). I just dont see the stock marked give lower rates than that over time (japan is an example though).
Question is : Would you put it in or would you pay the loan? And would you put it in now, or would you wait. I cant help thinking that All time high after a continous climbing marked since 2008/9 almost is way due for an 50% down ride.