When you have surplus cash, you can overpay your mortgage (guaranteed return at your rate) or invest it (potentially higher but uncertain returns).
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Pro Tip
Consider a split strategy - some cash toward the mortgage and some invested, for both psychological and financial diversification.
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Did You Know?
Vanguard research shows equities outperformed mortgage rates in approx 75% of 10-year periods since 1980.
References
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