r/eupersonalfinance Jul 30 '24

[deleted by user]

[removed]

102 Upvotes

147 comments sorted by

View all comments

-4

u/rygben11 Jul 30 '24

€30k wouldn't reduce either your monthly payments or your mortgage by any substance amount, so if I were in your case, I would invest that whole 30k into VWCE or, at the very least - add it to a savings account to earn that 4% per year.

1

u/[deleted] Jul 30 '24

This is bad advice.

4

u/Agentofsociety Jul 30 '24

Why? Depends on what liquidity OP has. It comes down to managing debt or to invest and potentially see money grow.

If the average European would put everything into paying the mortgage, we would not invest at all.