not sure why the downvotes, seriously...anyone who legitimately worries about "preserving their capital" (ie. investments) has already won the game, compared to the overwhelming majority of the world.
most people would be lucky to buy/pay off one home by the time they die, extra lucky to save up to cover the taxes when it's time to pass it onto their kids when they die.
many more struggle just to keep food on the table and pay their rent/utility bills.