Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Whether to prepay mortgage or invest in stocks
I strongly doubt your numbers, but lets switch the question around anyway.   Would you borrow 10k on your house to buy stocks on leverage?  That's putting your house at risk to have the chance of a gain in the stock market (and nothing in the market is sure, especially in the short term), and I would really advise against it.  The decision you're considering making resolves down to this one. Note: It is always better to make any additional checks out as "for principal only", unless you will be missing a future payment.