Paying off a loan early is like moving everything into fixed income. Depending on your interest rate, that might not be a bad move. If your mortgage is at 10%, then it makes sense to pay it down. But if it’s lower, you might want to keep your investments. I’d suggest paying down part of it, but not too much.
You’re thinking about a few things here: debt reduction, investment growth, and stress. The choice depends on how much you value each. You don’t have to act immediately. Take some time and weigh the pros and cons.
I would keep the investments. Paying them off early locks in your gains and gives you flexibility. If the market drops, you might be able to buy in at a lower point. Just stay the course.
It’s good to want to pay off your mortgage, but it’s more important to have liquid savings. Use your investment growth for long-term wealth, but make sure you’ve got that emergency fund if things go wrong.