Share your insights or perspective on the financial matter presented in the input.

Whether to prepay mortgage or invest in stocks
The short answer is to invest it since the rate of return is higher than your mortgage. (Assuming that you can withstand interest rate hikes, meet short term liquidity needs and don't need your $10K in the short or near term). The long answer is if you're comfortable leveraging your house and can put that $10K away for the long term you can reduce your taxes via the Smith Manoeuvre: Alternatively, if you have kids or grandkids and will help them through school, take the government's money by putting it away in an RESP.