Mortgage overpayments or Stocks and Shares

funnymonkey

Hello.
Can you please offer me some advice.
I have had a repayment mortgage for 15 years so have 10 more years in which to pay my mortgage off.
In this time due to being a single parent I haven't managed to pay anything off the mortgage or save towards it.
I now am in a situation to either save into a stocks and shares ISA. I have found 5 funds that have given 200% return over the last 5 years although I'm very much aware that this return may not continue.
My alternative is to make overpayments into my mortgage up to 10% annually.

I'm tempted to go towards stocks and shares as the money could work for me better if I get a good return.
Your thoughts would be most welcome.
Thank you

AnotherJoe

Do you have a pension? If so, investing but via a pension is likely to give by far the best result.

Too many people in this forum focus obsessively on overpayments instead of thinking about their whole financial situation, and in particular their pensions, some of the most extreme cases I've seen here will end up being literally many tens of thousands of pounds worse off as a result.

funnymonkey

Thank you another Joe.
I have a pension.pot with 90k in.at the moment but focussing in means to pay the mortgage off otherwise both me and my family will.be homeless in 10 years time and any benefits in pension will be more than lost in rental and increased rents over subsequent years.
Thank you