401k -> real estate investment paths: early withdrawal and self-directed (self-directed wins by 50%)

models.py

CAPITAL = 100000
REAL_ESTATE_RETURN_RATE = .1 / 12
INCOME_TAX = .28
EARLY_WITHDRAWAL_PENALTY = .1
LONG_TERM_CAPITAL_GAINS_TAX = .2
PERIODS = 30*12

# early withdrawal
investment = CAPITAL * (1 - (EARLY_WITHDRAWAL_PENALTY + INCOME_TAX))
for _ in range(PERIODS):
  investment = investment * (1 + REAL_ESTATE_RETURN_RATE)
capital = int(investment * (1 - LONG_TERM_CAPITAL_GAINS_TAX))
print(capital)

# 401k
investment = CAPITAL
for _ in range(PERIODS):
  investment = investment * (1 + REAL_ESTATE_RETURN_RATE)
capital = int(investment * (1 - INCOME_TAX))
print(capital)

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