Simply click below to discover how you can take advantage of this. Forget overpaying your mortgage! I’d invest money in FTSE 100 stocks today I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Peter Stephens has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. The FTSE 100’s recent decline may convince some individuals that repaying their mortgage is a better idea than investing in shares. Certainly, doing so poses less risk of loss. A lower outstanding mortgage means you’ll pay less interest each month, and could be debt-free sooner than otherwise would be the case.However, with interest rates low and the FTSE 100 offering long-term recovery potential, it may be logical to invest rather than overpay on your mortgage. Doing so could boost your long-term financial prospects.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Return potentialAt the present time, UK interest rates are close to their historic lows. As such, most mortgagees are likely to be paying a relatively modest interest rate on their debt. This means that overpaying your mortgage is unlikely to make a significant difference to how much interest you end up paying.For example, if you have a mortgage which has an interest rate of 3%, overpaying £1,000 would only reduce your annual interest payments by £30. By contrast, investing that money in the stock market could enable you to enjoy a high rate of return in the long run, which improves your financial prospects.In fact, with the FTSE 100 having recorded an annualised return of over 8% since its inception in 1984, your £1,000 could produce a return of £80 per year. Furthermore, with compounding having the potential to catalyse your returns over the long run, a £1,000 initial investment, which generates an annual return of 8%, could be worth as much as £4,660 over a 20-year time period.RisksOf course, there’s no guarantee that the FTSE 100 will record an annual return of 8% over the long run. Its recent performance highlights the risks involved in buying shares.However, over the coming years, the index is likely to revert to its average return. Its track record shows that it has always recovered from its various bear markets and corrections to post new record highs. Therefore, if you’re able to commit to investing over the long run, buying shares could certainly be a better idea than overpaying your mortgage – especially since interest rates look set to remain at low levels for some time.Investing logisticsStarting to invest from scratch could be an easier process than many people realise. Opening a Stocks and Shares ISA is a cheap and straightforward process that can be undertaken online in a matter of minutes, in many cases. Furthermore, buying a FTSE 100 index tracker fund provides diversity at minimal cost for new investors, or for those individuals with limited capital.Although overpaying your mortgage can save you money on interest payments in the long run, the return prospects of the stock market — and low interest rates — mean investing your capital could have a more positive impact on your long-term financial situation. “This Stock Could Be Like Buying Amazon in 1997” I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Peter Stephens | Saturday, 7th March, 2020 Our 6 ‘Best Buys Now’ Shares Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. 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