Is it better to pay off your HDB loan early or keep the cash for investing?

Well if your monthly CPF contribution is enough to service the mortgage then you can invest with cash. However if you're not good with investment, you'll be better off paying off the loans asap.

Always better to pay off housing 80:20 for investments. Many people not know that actual interests paid for housing is very high... based on the loan tenture. Its only the last year of loan that you are actually paying that 2% interests... or else is easily around 20% & 30% for 30 year tenure.

No benefits of paying off loan especially for the high earners.

For me, I chose to pay off my HDB loan early .. cleared it within 10 years by age 35. Then start saving up again. Now 51, with healthy CPF balance and investments portfolio. Through years of markets up and down, made gains and taken losses too. I've always taken a balanced approach.

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But honestly, nothing beats the peace of mind of having no mortgage. After that, even if investments don’t go your way, the weight is manageable since no liabilities. That sense of security outweighs the anxiety that can come with investing.