On Apr 24, 4:53 pm, Augustine <evan...@[EMAIL PROTECTED]
> wrote:
> Why not doing both, say $150 added to the monthly payment and $150
> deposited in a MM account, withdrawn yearly to be added to the last
> mortgage payment of the year?
>
It would be a method of diversifying away the uncertainty of liquidity
and market risk but it also guarantees that 50% of your money is not
being used most efficiently. It's like betting on two different horses
to win the same race. You increase your chances of success, but only
one bet can "win".
Then again, I'm a "risk manager" not a "dollar maximizer" so I
personally like this suggestion.
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