Repayment options for risk-averse people

You are now looking at a 6-month period...

Yes, of course. But in the past there were very often periods in which interest investments performed better than stocks. Here, for example, is the return triangle for a savings plan on the MSCI World by Christian Röhl. There is still relatively much green, and it looks better than it actually is. Because in our youth there used to be interest rates, maybe you remember that too ;). And with 4% interest, the portfolio also had to yield more than 4% for stocks to be a good idea.


By the way, what you can also see very well from this... a fixed time to sell is absolutely unwise. Even at the really bad times, it looks significantly better again 1-2 years later. Refinancing a home loan with ETFs is quite nonsense and if it goes wrong, then really badly.

If you put the same amount into a daily allowance account as you would use for special repayments, the interest rates directly compete against each other (minus the capital gains tax).
This is independent of the loan amount and duration.

And lose. I have to pay 1% for 500000% and get 2% interest for e.g. 6000€.
Just calculate it for yourselves…

…my slide rule is currently too warm. ;)

And lose. I have to pay 1% for 500,000% and get 2% interest for e.g. €6000.
Just calculate it yourself…

...my slide rule is currently too warm. ;)

I can't follow you.
I already explained that you can either put the €6000 into a special repayment or into a savings account (or ETF, ...) .
It has nothing to do with the €500,000 loan...

The refinancing of the house with ETFs is pretty rubbish, and if it goes wrong, it goes really wrong.

That's why I wrote, get out 2 years earlier and think about the plan. You can also do forward loans etc. Not that complicated ;)

That’s why I wrote to get out 2 years in advance and think about a plan. You can also do forward loans, etc. Not so complicated ;)

It's always easy to say. And then there’s a pandemic or war already two years before, and unfortunately it lasts quite a while instead of ending on time. ;-) Basically, I understand all that, but you have to be able to afford the risk.

And lose. I have to pay 1% on 500000% and get 2% interest on e.g. €6000. Just calculate it... ...my slide rule is currently too warm. ;)

You lose? Now you are wrong. You have to calculate €6,000 with 1% interest savings against €6,000 with 2% interest income.