What to do with 80K

Mortgage of 70K left, 415 per month, interest rate of 2.7%, not other debts, saving about 2K per month. I do not have employer pension yet, my husband does. Both standard rate taxing. Wishing to retire in 15-18 years.

I kind of inclined to do low cost trackers' investment. On another hand, property investment (even if all rent will be spent on mortgage, maintenance, etc., isn't still this option is self earning. Basically, current 80K thanks to the rent let's say in 15-18 years will be mortgage paid off amount+property price increase, we live outside London but within M25. Basically, loaned money earns money + we can still invest 2K every month into trackers. While with trackers only no earning on loaned money)?

Pls advise. Thank you!


  • colsten
    colsten Posts: 17,597 Forumite
    First Anniversary Photogenic Name Dropper First Post
    Tykva wrote: »
    I do not have employer pension yet, my husband does.
    That sounds like the immediate issue to address.
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