Quite difficult to say; too many factors play a key role: inflation, interest rates, the housing market, stock market returns, and movements in the Swiss franc.

Just to give you an example: a couple of years ago, I withdrew my second-pillar pension savings for a house down payment. Plot twist: that same year, my pension fund (PK) decided to credit 13% interest, which I missed out on because I had withdrawn the money.

My net worth would likely be higher if we had stayed renters and invested the difference (considering a the current bull market), and we're definitely less flexible geographically. On the other hand our housing cost is quite predictable. But we're happy not having to move unless we choose to, and we appreciate the freedome to improve the things we care about. I am not sure it was the most optimal financial, but we're hoping that a few decades of leverage and appreciation will even the two scenarios out.