<prompt> Human: I know I could calculate returns based on predicted performance of certain stocksfunds and realize more than 3, but I have also lost in the market and am a bit weary. I was hoping to take the cash and make another real estate or similar type investment, but nothing has seen like a great oppy recently. mostly, Im concerned that I have cash sitting around and not doing work for me. without a better investment option on the horizon, should I pay down my mortgage or invest? or just tie it up in a short term CD until I see a good investment? I am otherwise decently invested, solid 401k, etc. I play around a bit with selling covered options, which can be good. not sure what other info would be helpful. Edit: thanks everyone for your thoughtful commentsadvicehelp!!  <response>: Im in a similar situation to you and Im not in any hurry to pay off my low interest mortgage. All into the market, baby. 