South African financial planning guide

Should you pay extra into your bond or invest?

There is no universal answer. Compare the debt interest cost, investment-return assumption, liquidity needs, tax position and the impact on your full financial plan before choosing.

How to model it in BinnaBurra

1. Add your bond balance, rate and regular repayment.
2. Create one scenario with an extra bond payment and another with the same investment contribution.
3. Compare projected debt, cash flow and net worth using the same starting assumptions.