Canada

I never wanted my house to be a stock market investment. It’s just that I want some consistency.

But earlier you also said:

And now that I have a tiny piece (on paper but owned by the bank) I am hoping (like most Canadians) to take that piece and cash out to retire on in 10-15 years time

I.e. you see your home as an investment from which you expect to see a positive return, but now you are afraid that it may lose some of that value.

I get it: I would also like my investments to grow. The reality is that investing comes with risk. People who want to minimize that risk keep their money in a savings account, a GIC, or treasuries. With low risk come low returns, though. There is no free lunch.

Here is what is different: when we overbid for housing and it becomes expensive, real people suffer from homelessness and overcrowding. The same isn't true of stocks or other investments.