u/InvestingIsntJoke

47m. Considering growth is stagnant for years. not sure if I'm at Ok in terms of average age 🤔 but certainly I'm happy.

2010 : 50,000, 10K bonus

2011 : 50,000, 10K bonus

2012 : 51,500, 7.5K bonus

2013 : 51,500, 3.5K bonus

2014 : 52,500, 0 bonus

2015 : 55,000, 3K bonus

2016 : 58,000, 5k bonus

2017 : 59,500, 5k bonus

2018 : 61,500, 5k bonus

2019 : 70,000, 7k bonus

2020 : 72,000, 10k bonus

2021 : 72,000, 10k bonus

2022 : 0

2023 : 85,000, 0 Bonus

2024 : 88,500, 0 Bonus

2025 : 88,500, 0 Bonus

I'm 48 and have £180k mortgage outstanding. I'm paying 4.14%

Invested £350k in ISA growth stocks, it also gives me £450 a month dividends. 100k in emergency fund to secure university fee for 2 kids. Shall I reduce my mortgage or remain invested ?