Margaret, I was talking purely mortagges, I know you balance your money very well. OF course it also depends on your view of Risk. There are more risky and potentially profitable investments about. However as we progress along lifes path the further we get the less risk it is prudent to accept and that of course means lower returns.
e.g. a colleague at work decided to play with his overtime payment for one month and by simply buying and selling Barclays shares over a 2 month period turned in a 50% profit. Never big jumps etc but if he was up 15% he sold, waited till they dropped and bought again. Yes it was a risk but it was money he could afford to lose and wanted to play at it. Now he wishes he'd played with 2 months
