Best solution I've come up with - if your allocation model says to put a certain % of your savings in cash, that cash will undoubtedly work better for you if yo

Best solution I've come up with - if your allocation model says to put a certain % of your savings in cash, that cash will undoubtedly work better for you if you send it towards your mortgage. That way you sidestep the whole "but it might make more money in the market!" thing. (At least, until interest rates start rising a ton.)