flintnational
Thinks s/he gets paid by the post
Here is a link to a thread I started about risk adjusted returns. My initial post and Pb4uski's post #6 summarize the math behind the decision. The different expected returns are because the two choices have different stock allocations, IOW different risk profiles. And, as we all know, if you increase your stock allocation, historically most of the time you will have higher returns. You can accomplish the same results with or without a mortgage by simply adjusting your stock allocation.