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When selecting a mortgage, one of the most critical choices is between a fixed or variable interest-rate mortgage.
It’s nighttime, and you’re walking down a long, dark hallway with only a flashlight to guide you. Suddenly the light falls upon a horrifying sight — is it a creepy clown? Or a flesh-eating zombie? Oh no, it’s something far more ghastly.
Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.