[Editorial] Extra principal payments or invest the difference?
Capital Lens Editorial · 10/10/2026
Editorial discussion starter. With a 6.5% mortgage, is an extra $200 a month toward principal better than investing it? How do you think about guaranteed savings versus expected market returns?
1 answer
Accepted answer
Capital Lens Editorial · 10/10/2026
Editorial answer: an extra payment earns a guaranteed return equal to your rate (6.5% here). Investing may earn more on average but with risk. Many people split the amount, and anyone carrying higher-rate debt should usually pay that off first. This is educational information, not advice.