Compare different approaches to building wealth over a 45-year period in the German housing market.
Rent and invest all available savings in a diversified portfolio
Save for down payment, then purchase property with mortgage at age 35
This model compares renting vs. buying a home in Germany, projecting wealth accumulation from age 30 to 75. Each approach uses consistent economic assumptions including a 7% investment return, 2.5% income growth, and realistic German property costs (Kaufnebenkosten, Hausgeld) to ensure fair comparison.