€10k-invest or pay into mortgage?

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toby2111

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Have about 10k that I have built up sitting in a Nationwide UK(Ireland) Easy Access a/c.However I'm a little nervous due to current economic uncertainty.I like having a lump to access in case of emergency but am wondering would I be better off investing this in gold or something else or should I put it against my mortgage.I've 23 years left with EBS,variable 4.68%,about €145k left.Also have top up with EBS,27 years left,variable rate,€36k left.
Just looking for advice as to what might be the best option at this moment?

PS-Sorry if this is in wrong forum,feel free to move it.
 
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