Mortgage interest rates have been recently low, but no one knows what the stock market or bond market will hold over the next several decades.
The interest rate on my mortgage in the 90s was 7%... that was a guaranteed return. It was much better than a bond, and better than the results between 2000 and 2010. The last ten years is not indicative of a normal rate of return in the stock market... and not likely to continue as the US can, and will, not continue monetary and fiscal stimulus at the rates seen since the crash. The inflationary outcome is just too great.
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