Dear all, I have a scenario here and needs some advice.

Currently my outstanding home morgage loan amount stands in the region of RM185k, with IR of BLR-2.1%. As I'm expecting a lump sum of fund coming my way (around 400k), would I be better off :

1. To settle the loan in full;
2. Place a huge sum like RM100k into the loan account to save interest; or
3. Invest elsewhere but I am not convinced that it's a good timing to invest in risky assets now

Appreciate any opinion, thanks