Wife asked earlier in the month about making an extra mortgage payment each year, to pay it off sooner.

I suggested we take the money and invest it as a compromise. In a taxable account which could be used to pay down mortgage if one of us lost a job, or used to payoff mortgage if the money was invested properly.

She agreed to let me invest the $500-$2000 we would pay extra each year. Because the mortgage rate is 5.75%, I think I can pick just about any mutual fund and beat that. My choice is PRPFX- holds some gold, some silver, some bonds, some swiss francs and some stocks. Expecting 7-10% annual returns from Permanent Portfolio.