Stocks in a portfolio are not equity.
Whatever it is - it helps to get better interest rates. It is an investment form recognized as solid, which can be managed with little risk with some basic knowledge.
Now I am partly a scaredy-cat too, and if the markets crash in 10 years and interest rates rise (and maybe hell freezes over), then of course it would be bad...
If markets crash, that is no problem as long as you don’t have to sell. In principle, you can profit from any market movement direction – but I would only use money from “play money” for that. If you plan the investment in a portfolio to use it at a certain time X for further home financing, then do not hold the portfolio until that date, but find a favorable time to exit beforehand. That reduces the risk of having to sell at an unfavorable time. The bigger problem is usually greed and the desperate attempt to find the absolute best point to buy and sell.
Please don’t forget the capital gains tax of 25% in the calculation
Good point – it makes sense to cleverly use the tax allowances, take profits here and there and reinvest.
Saving money is great, but what are you saving for if you don’t want to spend it on your own house?
For an investment in own ideas, to pass on to descendants, for godchildren, donations...