The best replacement for pay down mortgage is invest.

Лучшие альтернативы к pay down mortgage можно упорядочить следующим образом:
★★★★★  invest
★★  save for college
★★  refinance
★★  save for retirement
★★  rrsp
★★  save for down payment
★  invest in ira
★  invest in roth ira
★  invest in stocks
★  buy rental property
  invest in rrsp
  buy rrsp
  ira
  contribute to rrsp
  savings
  invest money

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Google Trends

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pay down mortgage
invest
save for college