Ndubuisi 'Andy' EgwimMoney Coach for Medics|Ex-NHS GP|21+ Yrs Investor| Founder, MoneyWiseDoctor.com|Helping Medics Avoid Big Money Mistakes

£10,000 in 2001 — Buy To Let vs Index Funds — Which Won After 25 Years?

26 Apr 2026 · 1 min

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In this video, Ndubuisi “Andy” Egwim poses a thought experiment: if you had £10,000 to invest in January 2001, would buying a buy‑to‑let property or investing in the global stock market have yielded a better result by January 2026? He stresses that past performance is not a guarantee of future returns, but uses real historical data to illustrate what actually happened. To make the comparison concrete, he introduces two fictional professionals—Dr. Bayo, a surgeon, and Dr. Gloria, a GP—each with £10,000 to allocate in 2001. The video proceeds to walk through the data, assumptions, and calculations for each investment path, aiming to give viewers a clearer framework for evaluating long‑term investment choices.

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You had £10,000 to invest in January 2001, 25 years ago, and you had to choose between buying a buy-to-let property or investing in the global stock market. What would each path have looked like by January 2026? So 25 years later. Of course, I know past performance does not predict future outcomes. We know that. What we are looking at here is real historical data. What actually happened, and we're using it as a framework for thinking about these decisions going forward. Okay. Come along with me. I think this will genuinely change how you think about this question and give you a better perspective. Now let's use two people for example. Meet Bayo and Gloria. To make this concrete, I want to introduce them to you. Dr. Bayo, who is a surgeon. Dr. Gloria, who is a GP. January 2001, both have worked hard and saved carefully. Both have exactly £10,000 ready to invest. About to make very different decisions.