Yes, paying earlier usually gives you much better returns. Even in the manufacturing industry, you can almost always get at least a 2-3% discount paying early.

Yes, paying earlier usually gives you much better returns. Even in the manufacturing industry, you can almost always get at least a 2-3% discount paying early. Do that on many payments and you get a way better return than 2.5% yearly. Of course at some point you will want to withdraw some dividends and then you have money sitting in the bank account again. But I see this is more of a problem of personal finance than anything. It just sucks that nothing good is out there working for everybody and not so country specific.