Buying one's own house

Q:

1. I want to ask if it is sunnah to live in your own home, bought by oneself. Does this bring more barkah in the home? Should one prioritize this as an ultimate goal?

2. We have been married for 2 decades and faced a lot of financial challenges for various environmental factors, not our own doing. Alhumdullilah. By blessings of Allahs generosity and divine miracle we have saved a small amount sufficient to buy a small investment property to put out for rent. Because we have 3 children, we need much bigger space and more funds to buy a property to accommodate our own actual family.

If there is an option to rent for one's own family living in a place with facilities for children such as shared pool, basketball etc., and make a small commercial investment elsewhere from where we can get rental fees to support our living arrangement is this a better decision?

Zakaat on a long term investment and retirement annuity

Q: I have 2 investments and want clarity on my responsibility when it comes to zakaat.

1. I have purchased shares in company x for long term investment (probably 5 to 15 years). Do I pay zakaat on the quarterly/yearly dividends received or do I pay zakaat on the full value of the share?

2. I am investing in a retirement annuity, which is now only accessible upon my retirement. Do I pay zakaat yearly on the amount that is in my retirement account or would I only pay zakaat when the investment matures (when I retire)?