3) Analyse the advantages and disadvantages of paying off a mortgage or debt compared with investing surplus funds. Tip: Consider the factors in weighing up the merits of repaying debt against investing surplus cash in different asset classes. This is all the information I was given in this question. (30 marks, approximately 700-800 words required). Please reference your writing if you're going to use sources. Thank you in advance for taking the time to answer my question.