$500 to mortgage + $500 to investments
Mortgage Balance After 10 yrs
$109K
vs $164K baseline
Investment Value
$103K
8% avg return
Interest Saved
$53K
guaranteed
Combined Net Gain
$156K
vs $207K full invest
The hybrid gives balanced progress: you cut ~$55K off the mortgage and build a six-figure brokerage pot, but underperforms an all-in strategy by
~$51K over 10 years.
Choose 50/50 if you value liquidity & flexibility, expect
lower market returns, or want a psychological boost from shrinking debt while still participating in
market upside.
Assumes 30-year loan at 5.5%, $500 extra principal monthly, and 8% average investment return.
Totals ignore taxes and inflation for simplicity.