Yes. But the maturity window required is very long for that drip-fed investment to beat the ridiculous interest payments on a 50-year. A person who "needs" to go for a 50-year is living on the edge. Imo it's more likely that they'll have to get liquid due to life circumstances before his investment sufficiently matures, than it is for that investment to pay out.

This scenario also depends on a lot of "could." When the Japanese started throwing out 50+ year mortgages, it was the canary in the coalmine. Subsequently they crashed and their stock market took 30+ years to recover.

"Make a bet your investments will make up for 200% total interest after 30-50 years" is just not a great proposition.

Yes. But the maturity window required is very long for that drip-fed investment to beat the ridiculous interest payments on a 50-year. A person who "needs" to go for a 50-year is living on the edge. It's more likely that they'll have to get liquid due to life circumstances before his investment sufficiently matures, than it is for that investment to pay out.

This scenario also depends on a lot of "could." When the Japanese started throwing out 50+ year mortgages, it was the canary in the coalmine. Subsequently they crashed and their stock market took 30+ years to recover.

"Make a bet your investments will make up for 200% total interest after 30-50 years" is just not a great proposition.