Under the assumptions modelled, continuing to rent while investing the cost difference into a diversified ETF portfolio is projected to build more wealth over the next 10 years than buying a leveraged home. The results of the AI-assisted scenario analysis are highly sensitive to assumptions, particularly property growth, borrowing costs, and rent. Ultimately, the decision depends on whether the non-financial benefits of home ownership outweigh the modelled financial trade-off.

AI tools can sharpen understanding of portfolio design, investing systems, and investment risk. Here’s how I used AI to build a low-cost portfolio of ETFs, property, and cash designed around long-term wealth building and financial independence.