Buying points vs. investing that money in stock market

[Ashish G.]

Hi,

Given that we are still in low mortgage environment, I am wondering if I should buy down points on a new 30 yr mortgage or just invest that cash in stock market? I plan to keep the property for atleast 15 years and my points will breakeven in about 5 years of keeping mortgage. The interest rate I am getting without points is 4.25% and I think in 15 years stock market can return aleast 7% annually. 

Thanks