Rather than keeping it in the bank or investing it, I'd pay off my mortgage. The resulting drop in outgoings would be far better for me month on month than any

Rather than keeping it in the bank or investing it, I'd pay off my mortgage. The resulting drop in outgoings would be far better for me month on month than any investment could return. With the resulting money saved each month, I'd then look to invest that in a diverse investment portfolio covering different asset classes and levels of risk.