Half a year looking back. Paying down mortgage early is a better investment

Just so you know, half a year ago, I was debating if I shall pay down my 7.785% mortgage or shall Ininvest that money in the stock market.

Most redittors suggest paying off, I wanted to invest that money.

So I did half and half. I paid down half of the balance and left half.

The half balance I invested generated (4% to 14%) return on paper. 8% is kinda the median return after half a year. considering the tax benefit of carrying a mortgage, I‘d say paying down the mortagage is a better investment. the cut off is around 7%. So if your mortgage is 7% or lower, you shall invest, but if your mortage is 7% or higher, you shall pay it off. It’s a magical arbitrary number that worked for me.

FYI