Very low return tbh, if just put in index fund already earn 200% capital gain, not including the dividend yet.

11 years only return 30% is like 0.36% return pa. put FD also better than property. Oh ya did I mention we haven't include the mortgage interest rate? Could be a negative return.

Wow first time I heard index fund is high risk, it's actually much more diversified than property.

VOO is high risk? VT is high risk? Yes short term 1-2years maybe can fluctuate a lot. But so do house price, can go down also . If compare index fund and property, index fund is lower risk than house price because it is diversified to many companies and sector. But property is just 1, it's like putting all egg into a basket, some more need to pay mortgage interest rate, taxes, maintenance etc. Now you do your math again before saying my math is terrible 🤣