{"id":9850,"date":"2021-01-29T14:29:40","date_gmt":"2021-01-29T08:59:40","guid":{"rendered":"https:\/\/www.mintyapp.in\/blog\/?p=9850"},"modified":"2021-07-06T18:51:12","modified_gmt":"2021-07-06T13:21:12","slug":"should-you-stay-invested-or-pay-off-your-loan","status":"publish","type":"post","link":"https:\/\/blog.fintoo.in\/blog\/should-you-stay-invested-or-pay-off-your-loan\/","title":{"rendered":"Should you stay invested or pay off your loan?"},"content":{"rendered":"\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Should you stay invested or pay off your loan? - Friday First Cut Episode 07\" width=\"940\" height=\"529\" src=\"https:\/\/www.youtube.com\/embed\/kawGE6Eb4UU?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen class=\"no-lazyload\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Sensex being Bullish all the way and touching all-time highs! Seems like a dream come true. But wait, is there more to it or is it plain riding on the waves of the unknown? These are peculiar times and there is no perfect answer to any question as of now due to the dynamic scenario. Then how should you determine whether to stay invested or to pay off your loan? <\/p>\n\n\n\n<p>Here are some pointers which will help you out in making this decision. <\/p>\n\n\n\n<p><strong>Identify the expected rate of return on your investments<\/strong> &#8211; This is a little tricky where you should evaluate the current market price against the investment already made. <\/p>\n\n\n\n<p><strong>Calculate the interest you will be paying<\/strong> <strong>on the loan<\/strong> &#8211; This would be available with you in the nature of the payment schedule, which would be further bifurcated into interest and principal. <\/p>\n\n\n\n<p><strong>Compare expected returns and interest payable<\/strong> &#8211; Ideally, if the expected returns exceed the interest payable, then you could think of staying put in the markets.<\/p>\n\n\n\n<p><strong>Assess the liquidity position<\/strong> &#8211; However, you also need to assess whether it is really beneficial to spend the cash through loan repayment. <\/p>\n\n\n\n<p><strong>Square off the loan with higher interest<\/strong> &#8211; If you have dispensable cash at your hand, then it is better to pay off the loan with a higher interest rate. <\/p>\n\n\n\n<p><strong>Assess the tax benefits with housing loan<\/strong> &#8211; Housing loans have tax benefits such as deduction of interest on the loan and 80 C deduction. This may result in a decrease in the effective rate of interest payable. <\/p>\n\n\n\n<p><strong>Try to match your financial goals to arrive at a final decision<\/strong> &#8211; Financial goals with long term spectrum would be needed to be matched with long term investment options. So you may want to divert the cash retained by repaying the loan prematurely. <\/p>\n\n\n\n<p><strong>Stay tuned for our upcoming blogs on Will &amp; Estate planning.<\/strong><\/p>\n\n\n\n<p><em>A financial planning platform where you can plan all your goals, cash flows, expenses management, etc., which provides you advisory on the go. Unbiased and with uttermost data security, create your Financial Planning without any cost on:&nbsp;<a href=\"http:\/\/bit.ly\/Robo-Fintoo\" target=\"_blank\" rel=\"noreferrer noopener\">http:\/\/bit.ly\/Robo-Fintoo<\/a><\/em><\/p>\n\n\n\n<p><em>To Invest and keep regular track of your portfolio download: Fintoo App Android&nbsp;<a href=\"http:\/\/bit.ly\/2TPeIgX\" class=\"broken_link\">http:\/\/bit.ly\/2TPeIgX<\/a>&nbsp;\/ Fintoo App iOS&nbsp;<a href=\"http:\/\/apple.co\/2Nt75LP\">http:\/\/apple.co\/2Nt75LP<\/a><\/em>\u2018<\/p>\n\n\n\n<p><em><strong>Disclaimer:<\/strong>&nbsp;The views shared in blogs are based on personal opinion and does not endorse the company\u2019s views. Investment is a subject matter of solicitation and one should consult a Financial Adviser before making any investment using the app. Making an investment using the app is the sole decision of the investor and the company or any of its communication cannot be held responsible for it.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sensex being Bullish all the way and touching all-time highs! Seems like a dream come true. But wait, is there more to it or is it plain riding on the waves of the unknown? These are peculiar times and there is no perfect answer to any question as of now due to the dynamic scenario. [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[809],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should you stay invested or pay off your loan? - Fintoo Blog<\/title>\n<meta name=\"description\" content=\"The important question is: Do you opt for continuing your investments or do you pay off the loan from your available resources?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.fintoo.in\/blog\/should-you-stay-invested-or-pay-off-your-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Should you stay invested or pay off your loan? 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