OP the reason you should sell your investment now is that you will never get a better guaranteed return on your investment than paying off your credit card bills. No amount of research or investment foresight in the equity markets guarantees you 20% + in return, which is more than likely the amount you are getting charged. Also, if you use the investment money now to pay down your CC debt your credit scores goes up substantially. Your goal is get above 750 when you actually apply for a house or your interest rate will be higher for the house which will cost way more in the long run. Unless you absolutely can guarantee you can 10x the investment in the next 2 years. I don't see why you wouldn't use it to pay down every last one of your debts. get a higher credit score. you can always reinvest at a later time.