Hi, I am looking for investment advice on a lump sum of money in which we have come into of €150000. We are a young couple (no family yet!) with a regular combined income of approx €65000. We have a mortgage of €200000 and no other loans. We are very capable of meeting our monthly mortgage repayments and I believe that the move of reducing our mortgage by the amount of the lump sum would be a waste of a potential investment opportunity. Am I correct in saying this? If so what investment advice would you give to a very cautious amateur? You help is very much appreciated.