34 · The Legends capital allocation lab
Should your next dirham reduce debt or build an investment account?
Compare the same lump sum and monthly allocation across mortgage prepayment and an investment path—while protecting the cash reserve you refuse to spend.
Prepay
Mortgage balance reduction vs baseline
Reserve control
Capital to allocate
Return sensitivity
One allocation. Three return outcomes.
- Net annual return after fee
- 3%
- Capital contributed
- AED 380,000
- Gain before entered tax
- AED 45,598
- Ending investment value
- AED 425,598
- Leading path
- Prepay
- Net annual return after fee
- 6%
- Capital contributed
- AED 380,000
- Gain before entered tax
- AED 96,102
- Ending investment value
- AED 476,102
- Leading path
- Invest
- Net annual return after fee
- 9%
- Capital contributed
- AED 380,000
- Gain before entered tax
- AED 151,923
- Ending investment value
- AED 531,923
- Leading path
- Invest
Saved only on this device. No bank statement, portfolio record or personal financial document is uploaded.
Human checkpoint
Put liquidity, financing and investment risk in one review.
The Legends can connect the property and transaction plan. A licensed lender and qualified financial or tax adviser must confirm product terms, suitability and tax treatment.
Illustrative planning only—not a bank offer, investment recommendation, tax opinion or financial advice. Investment returns can be negative and are not guaranteed. Mortgage terms, prepayment charges, fees, taxes, liquidity needs and suitability vary. The model does not include market volatility, sequence risk, currency risk, product-specific costs or the value of optional liquidity unless you enter an allowance.