That is certainly true. Mortgage repayments are a no-risk investments. Since home costs today have plunged sharply, it is not a good idea to keep the seniors’ home equity into other investments. The current conditions are not suitable for making such risky investments. Perhaps the best thing a senior can do at the moment is to allot extra money to repay the existing mortgage so that in the future when the dusts of the financial turmoil have settled, the best investment opportunities can be seen. It goes without saying that the right attitude so far might be, “wait and see.”