I have student loans that are interest free (could always change but for this assume it’s permanent) so I have them set to the lowest repayment amount which takes me to 12 years and 8 months. The payment is 140 a month. If I were to invest the 20k into a global etf or the S&P for those full 13 years how would potential withdrawals during downswings affect overall returns?
I don’t know how to do the math for that as it’s similar to amortization but there’s potential for withdrawing money while my overall return is negative does this completely kill gains and if so am I better off investing in something safer?
Submitted September 13, 2024 at 12:06AM by ParallelMantis https://ift.tt/ZFEAJ7p
