General opinion overpay v invest?

JBL2000
JBL2000 Posts: 14
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edited 25 January 2021 at 5:18PM in Mortgage-free wannabe
Hey!
So I have hit a bit of an indecision point and would like some considered opinion. Being a middle aged duffer my mortage is now about 1 years gross salary. I have zero other debt and have enough money to throw at it to be mortgage free in about 3.5 years. However, that is time when investing could return greater dividends, even taking into account paying the mortgage off early.  To complicate it further, I have a maturing SAYE in 3 years that gives 2/3rds of the outstanding mortgage at todays figure anyhow, even without taking into account the most modest growth)
Therefore, I was thinking, rather than backing one direction (Investing v overpaying), if I split the available "adult money" (as oppsed to my spends :D) 50/50 into investing and mortgage overpayment.
Does that sound like a reasonable plan of action? Then when the SAYE matures, I can be mortgage free and also have been invested in stocks that have hopefully appreciated.
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