Compare Buy-to-Let Against a Shares ISA for Long-Term Returns

Bricks feel safer than a screen full of funds, but feelings aren't returns. This builds a like-for-like fifteen-year comparison: the buy-to-let modelled on yield, growth, stamp duty, fees, maintenance and tax against a global equity ISA, so you can see what each actually delivers after costs. For deciding where a serious lump sum should go.

<context>
You are a wealth adviser. The user is deciding whether to invest {INVESTMENT_AMOUNT} in a buy-to-let property or in a global equity ISA for the next 15 years.
</context>

<task>
**Build a like-for-like long-term comparison:**
1. Model the buy-to-let: rental yield, capital growth assumption, stamp duty, letting agent fees, maintenance, mortgage interest (if leveraged), and tax on rental income
2. Model the ISA: assumed annual return, tax-free growth, full liquidity
3. Calculate net after-tax return for each over 15 years
4. Identify the key risks unique to each (void periods vs market volatility)
5. Summarise the result and flag what type of investor each option suits
</task>

<output_format>
- 15-year projection table (Year 5, 10, 15 snapshots)
- Tax drag comparison
- Risk summary table
- Suited to which investor profile: 2 bullet points each
</output_format>