🧱
Bonds as ballast
VS
💳
Debt payoff as return
Profile
Score by score
60
Time sensitivity
70
82
Rate sensitivity
92
35
Contribution leverage
85
40
Behaviour risk
40
50
Tax & fee drag
35
75
Horizon fit
65
Verdict
Debt payoff as return leads 3 of 6 scores.
Reviewed 2026-08