So I manage to save about $4000 every month from my net salary. I got a car on 7.19% last year for 7 years after $9k down payment. For full 7 years my principal amount is $27,000 and interest is $9000.

I started investing in stocks earlier in January and so far have managed to get my portfolio up by 5%. I do not have $27000 right now to pay off my debt but will have it saved by June this year. I was wondering if I should put this into a stable stock like XEQT or VFV to get a realistic 10% return an year on my $27k or just pay off my loan and be done with it. My net profit this way will be around 3% on the $27k I invest. My risk appetite is also a bit high as I am single and have no other debt. So with making some riskier investments I might take my profit up to 15% or a little higher.

Ideally I want to save my first $100k and then pay off my loan which, if everything goes according to plan considering I don't act stupid and lose money in like a 3x leveraged ETF, should be in December 2025.

I know my question might sound very dumb but would like to know what you guys would've done in a situation like me.