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1

What would be the way to maximize the long term savings in this situation? Strictly speaking, you should find investments able to beat that 2.1% mortgage, and pay it as slowly as possible. However, this depends on a lot of factors. Unfortunately, the fact that you are in Spain makes the answer slightly different to the usual ones, partly because there are ...


2

What would be the way to maximize the long term savings in this situation? For short-term goals (next few years), save (as opposed to "invest") the money. For longer-term goals, invest the money in a mix of stocks and bonds (specifically low-cost "mutual funds" and ETFs -- Exchange Traded Funds). Unfortunately, I don't know where to point you in Europe.


3

It's question of costs vs. opportunity. Swapping out the windows, how much would you realistically save per year? Let's make up a number and say that it saves you (to make the math easier) 50€ / year if you swap them out. 50 / 5000 = 0.01, or a 1% return on your investment. Now, let's look at your mortgage: That has a 2.1% interest rate. As such, any ...


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