Special repayments or investing in the market? Alternatives?

The return aspect is certainly important, but for me another point carries much more weight: liquidity. As long as I can service the bank loans, I have time to deal with potential crises. In our case, we also have multiple rental apartments where we may incur various potential costs. That’s why I prefer to keep my money with me. Fortunately, the properties are worth twice as much as the outstanding debt, so we are absolutely secure here.

I have been investing myself in global ETFs for a few years now, so I haven’t needed any advice, I can evaluate all the KPIs myself.

We repay 2% (€2210) and invest the difference at 3% (~€750). The fixed interest period is 15 years. Also Team A1JX52 (until A2PKXG becomes worthwhile).

Likewise Team A1JX52 (until A2PKXG is worthwhile).

What does that mean? From when is it worthwhile?

I live quite well with annual special repayments and otherwise you just treat yourself to something. ...

The advantage of special repayments, in my opinion, is that they represent a kind of secured "investment." What's gone is gone ...

We have set all our repayment rates as low as possible and initially invest €750 and later €1,500 per month in the MSCI World.

Briefly for understanding: "As low as possible" means for us repaid through regular installments without SoTil until retirement. Everything else over the ETF is then a bonus.

...
With ETFs, you should think more long-term. Having to get to the money by a specific date is rather unfavorable.
...

If the ETF is unfavorable at the cutoff date, it could certainly be temporarily (one year?) financed in between. Otherwise, the ETF simply has to be liquidated before the cutoff date.

...
The scenarios naturally have advantages and disadvantages. But pushing everything into home financing seems very conservative to me. What I have saved overall after the remaining 13 years in money, I could already achieve on the market if the price increase were only about 1% annually. I believe the MSCI World has gained on average about 8% per year over the past 10(?) years.
...

About 25% capital gains tax still have to be paid on the capital gains of the ETF. Besides, the past is the past and the future is the future. That means drawing conclusions about the future based on past data can be dangerous...

Yes, everyone will probably have to see for themselves what they feel comfortable with

By retirement, the property should ideally be paid off, unless you plan right from the start to get rid of the property in old age