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What people fail to understand is ki in sab ke chakkar me Life ki meaning hi bhool gaye hain log. Life me maine khud ye mehsoos kiya hai ki 10 lakh zyada ya 3 cr ye sirf matter karta hai ki ... Jis SAMAY AAPKO JITNE PAISON ki requirement thi agar aapko utne na milen then it's of no use. Kabhi kabhi aadmi sochta hai ki abhi 10 lakh bachake baad me 3 cr kharcha karoonga ...lekin ho sakta hai kisi important kaam me agar wo 10 lakh usi samay kharcha kiye hon to iska relevance 3 cr se bhe zyada hota hai . More than the amount of money ,its actually more important when and for what it was spend .
Family ke pass ik ghar ho wo bhi khud ke rahne ke liye. Jyada ghar aur rent income ke chakkar me nahi padna chahiye. No asset class can beat equity. 50 lakh ya 1 cr ka ghar lena koi halua nahi hai aur har kisi ki bas ki baat nahi hai.
Rahne ke liye at least apna ghar hona chahiye…..1 crore mutual fund ka kya fayda agar humko rent ke ghar par rhna pade ya sadak kinare tent me rahna pade😂😂
@@JK-fp1ou bhai tune kitni families ko tent me rahte huye dekha hai jinke pass achcha mutual fund hai. Even jinke pass khud ka ghar bhi nahi hai aur mutual fund bhi nahi hai.unhe bhi tent me rahte huye nahi dekha hoga.thoda realistic to baat karo.
land , house , realestate always bring legal dispute ...dont want to make life hell ..95% legal cases are land , house , realestate property dispute...
@@ashishj660 it's your choice, I dont have potential to fight civil case for 20 - 25 years and make life hell... Any property can easily be made disputed..
And the corrupt, immoral Indian judiciary takes 10 to 20 yrs to deliver the justice if a buyer gets cheated by fraudsters. Indian judiciary actually is 'hand in glove' [underwear friends] with criminals, antinational politicians, and terrorists.
I agree with your point that we buy a home for ourselves in our early life.But I can't take all your advice blindly. But I disagree with you that all these finance youtubers are misguiding people. They speak with data. They consider all the factors when doing financial planning like - Inflation, - future value of money, - realistic returns - Increase our regular income - Enjoy the present life and invest for future. Please don't misguide people. Nobody is investing to become Warren Buffett. We are investing for our better future.
We have ppl like you type of mind set only then some visionary are able to buy homes and generate passive source of income, if every one start chasing to purchase properties it will boom, thanks to growing population the demand will always be always be high for property, this Gen Z can't afford to purchase in this current time accha gain everyone are into sip pip God knows what where is no transparency and returns are taxed by govt
Small mistake in calculations here If one invests 10 lakh in equity and 1 crore leveraged in property and if both get 10% returns Stock market guy will get 1 lakh and property wala will only get 2 lakh as 8 lakh to interest hi hai us leverage ka its 1.72 lakh more than stock market And if returns is 6% for both then real estate guy will make a loss 1.8 lakh against interest badhna and stock market wala will make 60000 And this is most likely the case if properties will be purchased now as interest rates are right now all time low yeh agar thoda bhi badhega lets say 9% any return less than 9% is a huge loss on your capital while stock market mein jo bhi return hai wo pura aapka hai barring tax because interest nahi pay karna
@@shubhamjoshi8762 You are right in this when we take it for a year or 2. A real estate cycle is for 8 years approx and when we do these calculations for that much time frame then for sure the real estate guy will make more money. But yes one should have a backing to survive through the years when interest rate is higher.
aapko shyad simple baat samajh nai aati ki . every person can't afford to buy a house in his early career. SIP is the best way to save and invest money for every individual.
SIP is best way to save and invest, only until markets correct by 30% and/or remain flat for 3+years, Real estate is relatively safer than volatility risks.
Agreed! Besides, the tenants are a big headache. Moreover, we pay Principal + interest for 20 years which amounts more than twice the price of house at the time of purchase. e.g. if we buy a flat in a big city or NCR for 1 cr @8% interest (cheapest of all) for 20 yrs, we end up paying total amount of 2.60 cr. (1cr 60 lakhs only as interest for 20 yrs and 1 Cr Principal amount of loan /price of house taken at the start. Actually, Flats rarely appreciate so much in multistoried buildings in 20 yrs. So, buying house for rental income is the most stupid financial decision for a youngster.
And what about income tax on rental yield..? You can divide your mutual fund portfolio to different members of family for better tax harvesting. Plus you can always partially redeem your mf units as per your requirements and pay tax only on that amount and let the other portfolio grow. Plus you can not have this kind of liquidity options in real estate. Real estate should be for consumption purpose only and that will make it affordable for it. With population stability it will eventually stopped growing that fast and this applies to all assets class. As other influencers are biased towards equity, you are biased towards real estate. Every assets have different purpose. Home are for shelter and security, equity for growth, gold for ita tangibility and global acceptance. Please stop this bullshit for gods shake.
You can not sell only kitchen or drawing room of your house if you need money for medical issues/marriages in family but can partially redeem the MF units depending on the need.
Builders greed and dishonesty has created fear in small investors' mind. Most of the flat buyers feel cheated after buying flats. That feeling lasts till that property feels like investment after a few years. But I agree that having a flat gives a sense of security. Second thing is collecting rent is not as easy as it seem to some people. Good, well mannered tenant who pays on time feel like a blessing after getting bad experiences. Bad tenant is a stress. This is why people finding solace in SIP.
If in near future let say someone wants to try something new, it could be some business, music or stand up, they cannot just leave their job because they need to take care about emi, and sip on the other hand can be paused.😊 Also if rental income invested as sip then what about rent of the home that you are living in. This video are for those who already own a house so that they can buy a new one and sip the rental income.
Half of people on comment section doesn't understand that this person is trying to tell you, that SIP is good, real estate is also good. Invest as you seem fit. Don't wate money. When you have liquid investment, you tend to spend more. Static assets are difficult to liquidate, but gives equal returns to Sips.
Guruji oflate I have started seeing the hard sell for real estate from your side. Though your reasoning is logical, but my experience tells me real estate is a very clunky asset, too many costs and less returns. Equity is any day more efficient asset for most of the people.
Equity always gives better returns in long term without headache. One needs patience of 15-20 yrs like EMI of a house. It is simple, easy to manage and highly liquid thru MF. And on top of it, it is highly regulated by SEBI. No cash involved. Real estate generates black money. There is no chance of cheating by real estate brokers/ fraudsters in MF. Only tax evaders, fraudsters, black market money players invest in real estate. I call them traitors who do not honestly pay taxes.
Very correct. People tell more of their mistakes than what actually needs to be done. Nice to listen practical point of view. Keep going such nice videos
Fantastic Example fo both : 15 year emi - 1,00,000 per month - wealth created after 15 years - 3 crore + 60 lac rent rent income less maintenance min 35k per month for 15 years 15 year sip - 1 lac per month - wealth created - min 10% rate - 4 crore. After 15 years : Own house + start swp. Wooooooow Superb
point is..... Diversification is required. Property, Equity, Gold all have their own pros and cons. Property is not easy to liquidate and Equity require systematic and disciplined investment to achieve good returns.
Hum nai ek kachi caloney mai 180000 ka plot kharida tha 2012 mai .after construction of 4 floors today it gives 35000 par month . This is tha power of real-estate. Guruji is absolutely right .
Congratulations, But If it's 1.8 lac then it's unbelievable to me and looks like you got a jackpot but incase there is typo and it's of 18 lacs 18 lac in last 12 years with 15 percent nifty tri would have been 1 cr . With any decent MF with 20% it would have been 1.6 cr . Add construction cost of 18 lac ,it would have been 3.2 cr . 2 percent dividend 3.2 cr would be 6.4 lacks , Or 3 percent dividend on 3.2 cr would be 9.6 lacs per year
Amitji, your views and guidance of finances based on facts, can take India forward towards better money management and investment patterns for better today and tomorrow.
Agree to some extent but the leverage in real estate comes with loan burden. An even bigger problem not discussed here is the risk in real estate. Buying 1 Cr flat involves some risk, buying 1 Cr land is even more risky. A lot of time needs to be invested to acquire property as well. On top of it there will be transaction charges and brokerages involved. This is not for everyone even if they have the money. Probably buying own home early is essential and then moving over to mutual funds, FD and gold etc. for salaried class. The risk in financial assets is that the future is unpredictable as you mentioned rightly. People have to choose their own style - entire life is a risk-reward ratio.
If Capital Gain tax would reach 30 pc in future, wait till people start borrowing on their portfolios at a much cheaper rate. Those kind of equations would not work.
Very balanced investment. Plz do not focus on demeaning others U have such a wonderful content to share with all, focus on improving ur predentation skill. U r fabulous
I would like to add one point you can stop sip at any point if you. t aren't able to pay it due to loss of job or any other reason but you can't say no to emi no matter whatever the reason bank will seal your home if you don't pay it till 3 months, but mutual fund house will not seal your home if you don't do sip for 3 months.. Let me tell you my personal experience my friend lost his job during covid 19 2020 recently but he did not face any issues because he had 5 cr in his mutual funds but the the flat he had purchased it was in a worse condition the society administratiin did not maintain that society properly so the price didn't increase now it was barely sold at a price of 60 laks and from that price he paid pending loan of 25 lakh he was only left with 35 lakhs but still his mutual funds have helped him in his bad times much more than his real estate. So please consider this and understand this alsom. But now he is well settled.
It's because majority of people (viewers) don't even have the loan taking capacity/ability.....but can only afford doing some Small SIP's. Also buying real estate is very difficult in Indian families.. Parents ko apna makan chahiye, vo sheher m milega nahi gaav ki taraf young people nhi jana chahte..... Ghar ki decision making vaise bhi nahi ho rahi. Parents (mostly) don't help financially if property is not of theirs choice.Ankur wariku is just a content creator, It's all for views .
The paradox is those who can afford to buy house either don't need this advice as they are already buying the house, and those cannot are watching his video thinking how to arrange even the down payment let alone the EMI. Isiliye subscriber nhi badh rhe.
Dividend yield is calculated as % of market price of the stock. Rental yield is also calculated as % of market price of the property. Where's the disconnect? The point is if both dividend yield and rental yield is the same then the higher performing asset is the one with higher asset appreciation potential.
It's useful for those who don't disclose rent in their ITR filing. Else dividend income and rental income both can be taxed at the same potential rate.
Current situation in Bangalore Sarjapur, bellandur, Whitefield area is that you will not get a flat available for rental easily. Both rent and maintenance is paid by the tenant along with hefty house security. Buying a house is a security which is recession and future pandamic possibility proof.
Thanks to Metro, it's far better to purchase a flat in places like JP Nagar, North Bangalore or traditional Kannadiga areas rather than pay inflated costs to own flats in Whitefield, Sarjapur Rd, Bellandur. The Metro construction will be completed in 2-3 years until which time one can stay in rent in the above places and move to JP Nagar, North Bengaluru by 2028. You will see a massive crash in rentals in the IT Areas of Bangalore due to multiple reasons, IT hiring has moved up the value chain, means fewer people with higher salaries, and impact of AI on coding jobs will be felt in 2-3 years where companies will start massive hiring in Tier 2 cities because they can get decent employees at lower costs as AI is doing bulk of the coding and one only needs skills to fine tune and QA. In summary, in 2-3 years only flats which are 3BHK plus or Villas will be sold in IT areas and folks holding smaller flats as investment will struggle to find tenants and will have to sell at a distress.
What makes you think future stock market return of a growing economy will be less that 15 percentage . Some say we should not see past returns, but can anyone see future return . Gueesing that future return would be 8 % is also a speculation with out any data
Different from others. 6% growth+6% inflation (increasing population). Your view on expected returns considering these factors please. No doubt your content and view is practical ❤
Sir meine 2018 mein 1 comercial property or 2023 mein 1 commercial property kharidi thi delhi mein apna ghar apni shop hai 1 par loan hai dono ko rent par diya hai emi nikalne ke baad bhi dono ki rental income ko sip mein daal deta hu property ka appriciatuon bhi mila + rental par reinvest se 10-12% compunding mil jata hai 😍😍 property se sab ban sakta hai dono property+equity grow kar rahe hai
Sir this is the first video that I have watched of yours, I got a whole different perspective, I would highly request you to pleas start a finance channel to better and quality financial education for us. Thank you.
EMI.. skip nahi kr sakte ... pr Sip skip kr sakte hai emergency mein ... 😊 Haan ye Sach hai ye sab kahaani peise waalo ki hai .., bhai yo Peale Ghar Bana lo 😊
Generational wealth is created by real estate. The respect and status you get and the feeling of accomplishment you get with real estate are unmatched. The physical assests like real estate and metals like gold, silver, etc. Are real money and would survive even after you die. I invest in stocks as well, and believe me, when the market goes bearish, all these pro SIP people run away from the stock market and many of them would never return to the market after making huge loses.
Pr jb 10 Crore k ghr pe 30L Rent milega to use pe DIRECTLY 30% TAX DENA PADEGA whereas Mutual fund break krne pe srf 12% k aas paas Bt Yes its LEVERAGE that truly provides Edge while investing in REAL ESTATE Thanks Guru Ji
First of all, I don’t usually comment on such things, but since you’re calling yourself the "No. 1 Clarity Giver," I had to respond. 1. Buying a Flat: It's okay if you're buying it for yourself. But if it's for investment, it can be a headache with all the loans and paperwork. You mentioned "Income tax benefits," but if you’re depending on those, it means you’re already at a loss. What you’re talking about is actually setting off losses. Plus, in February when the new DTC 2025 comes, those tax benefits will probably go away. 2. Your Janakpuri Rental Example: That example doesn’t work anymore. Property prices were much lower back then, but now they start in crores. You say rental income will double or triple in 10-12 years, but that doesn’t add up. Even Fixed Deposits (FDs) offer compounding interest, but using your logic, FD rates should jump to 20-30% after a decade, which is unrealistic. 3. Real Estate Issues: You also don’t mention the negatives-flats sometimes stay empty for a long time, property value stops growing after 20-25 years, and house designs change, making it hard to sell. On top of that, you’ve got to deal with tenants, brokers, society rules, and maintenance charges. Have you ever talked about real estate frauds? Yet, you claim to give "clarity" but hide these problems for your own benefit. In the end, everyone talks about what benefits them. No one’s really thinking about others. So, I’d advise people to use their own common sense and do their own research. When dealing with crores, don’t get trapped by such people.
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Sir where to fund the course financial clarity for all.
Guruji hath jodke request kar raha hoon ki aap finance channel mat kholna. Main mutual fund distributor aur hamare pet pe laat padegi 😢
Yes want financial channel
Guruji plz open a financial youtube channel
Guys lets vote for finance channel🎉🎉🎉🎉🎉🎉
Yes👍🏻
Yes❤
yes
Yes
yes
What people fail to understand is ki in sab ke chakkar me Life ki meaning hi bhool gaye hain log.
Life me maine khud ye mehsoos kiya hai ki 10 lakh zyada ya 3 cr ye sirf matter karta hai ki ...
Jis SAMAY AAPKO JITNE PAISON ki requirement thi agar aapko utne na milen then it's of no use.
Kabhi kabhi aadmi sochta hai ki abhi 10 lakh bachake baad me 3 cr kharcha karoonga ...lekin ho sakta hai kisi important kaam me agar wo 10 lakh usi samay kharcha kiye hon to iska relevance 3 cr se bhe zyada hota hai .
More than the amount of money ,its actually more important when and for what it was spend .
I so agree with you ❤
Very TRUE brother.
बात कुछ और हो रही है, तुम किसी और ट्रैक पे हो।
That's looks like a vote for MF as it's volatile than real estate
Same thinking
Family ke pass ik ghar ho wo bhi khud ke rahne ke liye. Jyada ghar aur rent income ke chakkar me nahi padna chahiye. No asset class can beat equity. 50 lakh ya 1 cr ka ghar lena koi halua nahi hai aur har kisi ki bas ki baat nahi hai.
Rahne ke liye at least apna ghar hona chahiye…..1 crore mutual fund ka kya fayda agar humko rent ke ghar par rhna pade ya sadak kinare tent me rahna pade😂😂
@@JK-fp1ou bhai tune kitni families ko tent me rahte huye dekha hai jinke pass achcha mutual fund hai. Even jinke pass khud ka ghar bhi nahi hai aur mutual fund bhi nahi hai.unhe bhi tent me rahte huye nahi dekha hoga.thoda realistic to baat karo.
1 house chahiye khudka baki fd mutual funds baki assets main karo @@JK-fp1ou
Par bad me bhi to ghar hi lena pdega us mutual funds se jb tk kimat kha k kha phuchgyegi
Duniya me koi bhe Bank// Mall khud ka property leke kun nahi rahta ??
Sabhi rent p kun hai ?????
Actually, u r in properties, and that's why u favor properties.
Simple to understand 😂
Now you are using common sense 😂😂😂😂he is a dalla
@@swayamshashwatrodiya2183Uncle apne paid gyaan se SIP kar rahe hai
but understand that real money is made from real estate
No. He's practical and that's for Indians
land , house , realestate always bring legal dispute ...dont want to make life hell ..95% legal cases are land , house , realestate property dispute...
Everything comes with a risk
Only if you buy a disputed property, always buy clean and reputed properly from a reputable developer.
@@ashishj660 it's your choice, I dont have potential to fight civil case for 20 - 25 years and make life hell...
Any property can easily be made disputed..
Legal dispute only if you invest on illegal thing😂
And the corrupt, immoral Indian judiciary takes 10 to 20 yrs to deliver the justice if a buyer gets cheated by fraudsters. Indian judiciary actually is 'hand in glove' [underwear friends] with criminals, antinational politicians, and terrorists.
Yes to Finance Channel
I agree with your point that we buy a home for ourselves in our early life.But I can't take all your advice blindly.
But I disagree with you that all these finance youtubers are misguiding people. They speak with data. They consider all the factors when doing financial planning like
- Inflation,
- future value of money,
- realistic returns
- Increase our regular income
- Enjoy the present life and invest for future.
Please don't misguide people. Nobody is investing to become Warren Buffett. We are investing for our better future.
We have ppl like you type of mind set only then some visionary are able to buy homes and generate passive source of income, if every one start chasing to purchase properties it will boom, thanks to growing population the demand will always be always be high for property, this Gen Z can't afford to purchase in this current time accha gain everyone are into sip pip God knows what where is no transparency and returns are taxed by govt
Good point bro 😊
Small mistake in calculations here
If one invests 10 lakh in equity and 1 crore leveraged in property and if both get 10% returns
Stock market guy will get 1 lakh and property wala will only get 2 lakh as 8 lakh to interest hi hai us leverage ka its 1.72 lakh more than stock market
And if returns is 6% for both then real estate guy will make a loss 1.8 lakh against interest badhna and stock market wala will make 60000
And this is most likely the case if properties will be purchased now as interest rates are right now all time low yeh agar thoda bhi badhega lets say 9% any return less than 9% is a huge loss on your capital while stock market mein jo bhi return hai wo pura aapka hai barring tax because interest nahi pay karna
Apki baatein sunkar lagta hai ki aap 25 se kam umra ke hain
@@rajatwow737 I am 25
@@rajatwow737 give a logical reply if you can
@@shubhamjoshi8762 You are right in this when we take it for a year or 2. A real estate cycle is for 8 years approx and when we do these calculations for that much time frame then for sure the real estate guy will make more money. But yes one should have a backing to survive through the years when interest rate is higher.
@rajatwow737 Bhai if you have a logical reply then de na yeh 25 ki umar kya kar ra hai
aapko shyad simple baat samajh nai aati ki . every person can't afford to buy a house in his early career. SIP is the best way to save and invest money for every individual.
SIP is best way to save and invest, only until markets correct by 30% and/or remain flat for 3+years, Real estate is relatively safer than volatility risks.
@@pushppreetgill4858 sip is even better when market fall by 30%
Agreed! Besides, the tenants are a big headache. Moreover, we pay Principal + interest for 20 years which amounts more than twice the price of house at the time of purchase. e.g. if we buy a flat in a big city or NCR for 1 cr @8% interest (cheapest of all) for 20 yrs, we end up paying total amount of 2.60 cr. (1cr 60 lakhs only as interest for 20 yrs and 1 Cr Principal amount of loan /price of house taken at the start. Actually, Flats rarely appreciate so much in multistoried buildings in 20 yrs. So, buying house for rental income is the most stupid financial decision for a youngster.
Sir says his audience is not every type of Indian. he is focussed on elite aspirants who already have high P.
You got the point, finance is always personal and investing never makes you rich. Increasing your income does.
And what about income tax on rental yield..? You can divide your mutual fund portfolio to different members of family for better tax harvesting. Plus you can always partially redeem your mf units as per your requirements and pay tax only on that amount and let the other portfolio grow. Plus you can not have this kind of liquidity options in real estate. Real estate should be for consumption purpose only and that will make it affordable for it. With population stability it will eventually stopped growing that fast and this applies to all assets class. As other influencers are biased towards equity, you are biased towards real estate. Every assets have different purpose. Home are for shelter and security, equity for growth, gold for ita tangibility and global acceptance. Please stop this bullshit for gods shake.
You can not sell only kitchen or drawing room of your house if you need money for medical issues/marriages in family but can partially redeem the MF units depending on the need.
Well said.. totally agree with you !!
Builders greed and dishonesty has created fear in small investors' mind. Most of the flat buyers feel cheated after buying flats. That feeling lasts till that property feels like investment after a few years. But I agree that having a flat gives a sense of security.
Second thing is collecting rent is not as easy as it seem to some people. Good, well mannered tenant who pays on time feel like a blessing after getting bad experiences. Bad tenant is a stress. This is why people finding solace in SIP.
Go sab log kar rhe hai..that is not going to create asymmetric income
If in near future let say someone wants to try something new, it could be some business, music or stand up, they cannot just leave their job because they need to take care about emi, and sip on the other hand can be paused.😊
Also if rental income invested as sip then what about rent of the home that you are living in.
This video are for those who already own a house so that they can buy a new one and sip the rental income.
Half of people on comment section doesn't understand that this person is trying to tell you, that SIP is good, real estate is also good. Invest as you seem fit. Don't wate money. When you have liquid investment, you tend to spend more. Static assets are difficult to liquidate, but gives equal returns to Sips.
Guruji oflate I have started seeing the hard sell for real estate from your side. Though your reasoning is logical, but my experience tells me real estate is a very clunky asset, too many costs and less returns.
Equity is any day more efficient asset for most of the people.
Equity always gives better returns in long term without headache. One needs patience of 15-20 yrs like EMI of a house. It is simple, easy to manage and highly liquid thru MF. And on top of it, it is highly regulated by SEBI. No cash involved. Real estate generates black money. There is no chance of cheating by real estate brokers/ fraudsters in MF. Only tax evaders, fraudsters, black market money players invest in real estate. I call them traitors who do not honestly pay taxes.
@@pradeepkumarmoghe4551 aap ki baaton se aap 25 se kam umra ke lag rahe hain. Aisa h kya?
Well said.
Very correct. People tell more of their mistakes than what actually needs to be done.
Nice to listen practical point of view. Keep going such nice videos
Very good analysis.... love the fresh idea❤
Fantastic
Example fo both :
15 year emi - 1,00,000 per month - wealth created after 15 years - 3 crore + 60 lac rent rent income less maintenance min 35k per month for 15 years
15 year sip - 1 lac per month - wealth created - min 10% rate - 4 crore.
After 15 years :
Own house + start swp.
Wooooooow
Superb
I'm truly impressed by this new way of thinking. It's amazing how a shift in perspective can completely change your understanding. Hats off!!!
point is..... Diversification is required. Property, Equity, Gold all have their own pros and cons. Property is not easy to liquidate and Equity require systematic and disciplined investment to achieve good returns.
Hum nai ek kachi caloney mai 180000 ka plot kharida tha 2012 mai .after construction of 4 floors today it gives 35000 par month .
This is tha power of real-estate.
Guruji is absolutely right .
Construction mei kitna paisa laga thaa ?
😂😂😂 35000
Congratulations,
But
If it's 1.8 lac then it's unbelievable to me and looks like you got a jackpot but incase there is typo and it's of 18 lacs
18 lac in last 12 years with 15 percent nifty tri would have been 1 cr . With any decent MF with 20% it would have been 1.6 cr .
Add construction cost of 18 lac ,it would have been 3.2 cr .
2 percent dividend 3.2 cr would be 6.4 lacks ,
Or
3 percent dividend on 3.2 cr would be 9.6 lacs per year
Construction Govt ne kara diya😂
Good decision. Dont go on others expertise or criticism, bolate vahi hai jo kar nahin paate hain
This is REAL practical financial advice 💯 This needs to be spread more than those imaginary calculations.
Amitji, your views and guidance of finances based on facts, can take India forward towards better money management and investment patterns for better today and tomorrow.
Yes, isi channel par
Impressed with your content. Straightforward . :)
बहुत अच्छी जानकारी समझाई
जागरूक अभियान
Yes we need a finance channel
Really need a finance channel from you sirji
Yes I want financial education channel 🎉🎉🎉
A very fresh and straight forward perspective about life in general! Thank you Sir..
Agree to some extent but the leverage in real estate comes with loan burden. An even bigger problem not discussed here is the risk in real estate. Buying 1 Cr flat involves some risk, buying 1 Cr land is even more risky. A lot of time needs to be invested to acquire property as well. On top of it there will be transaction charges and brokerages involved. This is not for everyone even if they have the money. Probably buying own home early is essential and then moving over to mutual funds, FD and gold etc. for salaried class. The risk in financial assets is that the future is unpredictable as you mentioned rightly. People have to choose their own style - entire life is a risk-reward ratio.
Yes, I need Finance channel. 1 video per month is also enough.
Real estate investment is greatest wealth destroyer,dont fall in the trap of investing in real estate.
Guruji apka contetn top notch hai, aur jo aap second person ki mimicry karte ho "to kya kare SIP band kardein" ek number
Me bhi band karna chah raha hu
Your videos are incredible …. Experience bahut matter karta hai …
Amazing video
Gives good perspective
If Capital Gain tax would reach 30 pc in future, wait till people start borrowing on their portfolios at a much cheaper rate. Those kind of equations would not work.
by that time tax on gains from stock will also increase
We can also take top up home loan on cheaper interest rate.
It will go as per slab not 30%
One of your best videos. Thank you.
Thanks for this perspective.
Very balanced investment.
Plz do not focus on demeaning others
U have such a wonderful content to share with all, focus on improving ur predentation skill.
U r fabulous
I would like to add one point you can stop sip at any point if you. t aren't able to pay it due to loss of job or any other reason but you can't say no to emi no matter whatever the reason bank will seal your home if you don't pay it till 3 months, but mutual fund house will not seal your home if you don't do sip for 3 months.. Let me tell you my personal experience my friend lost his job during covid 19 2020 recently but he did not face any issues because he had 5 cr in his mutual funds but the the flat he had purchased it was in a worse condition the society administratiin did not maintain that society properly so the price didn't increase now it was barely sold at a price of 60 laks and from that price he paid pending loan of 25 lakh he was only left with 35 lakhs but still his mutual funds have helped him in his bad times much more than his real estate. So please consider this and understand this alsom. But now he is well settled.
Well said Gurujii. Need financial channel
Yes, we want to learn from your knowledge
Zabardastttttt Mazzaaaaa Aa Gayaaaaa! 🔥✨🔥
Yes please, we need a financial channel.
Your every lectures are so genuine and 100% factful.. thanks for guid us every time.. thank you sirji🌹🌹🙏🙏
Bar bar tu 1988 mein kyun jata hai? 😂 Guru jee, that was hilarious! Love your counter-statements and then your rebuttal!
Yes, we need finance channel from you.
Very informative, every one have to look the things from every angle 👌…please open your channel
It's because majority of people (viewers) don't even have the loan taking capacity/ability.....but can only afford doing some Small SIP's. Also buying real estate is very difficult in Indian families.. Parents ko apna makan chahiye, vo sheher m milega nahi gaav ki taraf young people nhi jana chahte..... Ghar ki decision making vaise bhi nahi ho rahi. Parents (mostly) don't help financially if property is not of theirs choice.Ankur wariku is just a content creator, It's all for views .
Maturity is when you realise, his words doesn't sound pleasing to ears, but actually he is correct 💯
Guru ji, u r like a financial Dad mentor that our generation missed out on. Thank you for wisdom. Big fan
Yes we want, on this channel. Thanks Sir
I like your approach towards problems Solutions. Hats off.
The paradox is those who can afford to buy house either don't need this advice as they are already buying the house, and those cannot are watching his video thinking how to arrange even the down payment let alone the EMI. Isiliye subscriber nhi badh rhe.
Superb Video Sir! Really enlightening financial education!
Dividend yield is calculated as % of market price of the stock. Rental yield is also calculated as % of market price of the property. Where's the disconnect?
The point is if both dividend yield and rental yield is the same then the higher performing asset is the one with higher asset appreciation potential.
It's useful for those who don't disclose rent in their ITR filing. Else dividend income and rental income both can be taxed at the same potential rate.
Current situation in Bangalore Sarjapur, bellandur, Whitefield area is that you will not get a flat available for rental easily. Both rent and maintenance is paid by the tenant along with hefty house security. Buying a house is a security which is recession and future pandamic possibility proof.
Thanks to Metro, it's far better to purchase a flat in places like JP Nagar, North Bangalore or traditional Kannadiga areas rather than pay inflated costs to own flats in Whitefield, Sarjapur Rd, Bellandur. The Metro construction will be completed in 2-3 years until which time one can stay in rent in the above places and move to JP Nagar, North Bengaluru by 2028. You will see a massive crash in rentals in the IT Areas of Bangalore due to multiple reasons, IT hiring has moved up the value chain, means fewer people with higher salaries, and impact of AI on coding jobs will be felt in 2-3 years where companies will start massive hiring in Tier 2 cities because they can get decent employees at lower costs as AI is doing bulk of the coding and one only needs skills to fine tune and QA. In summary, in 2-3 years only flats which are 3BHK plus or Villas will be sold in IT areas and folks holding smaller flats as investment will struggle to find tenants and will have to sell at a distress.
@@ashboy7968you have no idea about how it and ai works lol
What makes you think future stock market return of a growing economy will be less that 15 percentage . Some say we should not see past returns, but can anyone see future return .
Gueesing that future return would be 8 % is also a speculation with out any data
Sir , kya bat rationalise kiya hai. Kash people can find balance in thinking. Rather than over concentrating on one type of asset.
As usual..wisdom in each sentence. Practical points for Indians..
Yes agreed start financial channel.
In financial channel agreed only one video in a week/month is enough.
👍🙏🙏
Yes we need finance channel, need of the hour
Thats true no body tells you sir you are really intelligent man
sir spitting facts....and requesting youth to grow their ACTIVE INCIME...
Different from others. 6% growth+6% inflation (increasing population). Your view on expected returns considering these factors please. No doubt your content and view is practical ❤
Yes finance channel a big yes
Great discussion
You r right regarding gold price....
Sip is a best investment for all middle class family👪🎉
Superb❤
Yes sir we need your Financial Channel.
You r great sir ..sahi kaha hai aapne ...Thank you
My commercial property is worth 2 crore and I get 12000 per annum as rent. Sabko bas apna channel promote karna, chahe kuch bhi hago
Yes, i need a finance channel from you.
Please start.
Gr8 perspective Mr Sangwan ❤
Sir meine 2018 mein 1 comercial property or 2023 mein 1 commercial property kharidi thi delhi mein apna ghar apni shop hai 1 par loan hai dono ko rent par diya hai emi nikalne ke baad bhi dono ki rental income ko sip mein daal deta hu property ka appriciatuon bhi mila + rental par reinvest se 10-12% compunding mil jata hai 😍😍 property se sab ban sakta hai dono property+equity grow kar rahe hai
Sir this is the first video that I have watched of yours, I got a whole different perspective, I would highly request you to pleas start a finance channel to better and quality financial education for us. Thank you.
90's k kid's ka kala sach..
Gurujiii
Touch feet
EMI.. skip nahi kr sakte ... pr Sip skip kr sakte hai emergency mein ... 😊 Haan ye Sach hai ye sab kahaani peise waalo ki hai .., bhai yo Peale Ghar Bana lo 😊
Yes also make video on old money concepts
great sir. Thank you.
Generational wealth is created by real estate. The respect and status you get and the feeling of accomplishment you get with real estate are unmatched. The physical assests like real estate and metals like gold, silver, etc. Are real money and would survive even after you die. I invest in stocks as well, and believe me, when the market goes bearish, all these pro SIP people run away from the stock market and many of them would never return to the market after making huge loses.
Yes . Channel required.
Yes Sir...Pl start Finance channel 🙏
आप सही कह रहे हैं वारिको की बातों में कुछ ट्रैप तो लगता ही है।
Appreciate for your guidance
Pr jb 10 Crore k ghr pe 30L Rent milega to use pe DIRECTLY 30% TAX DENA PADEGA whereas Mutual fund break krne pe srf 12% k aas paas
Bt
Yes its LEVERAGE that truly provides Edge while investing in REAL ESTATE
Thanks Guru Ji
Yes sir. Please finance video
a financial channel please....much needed
Yes for finance channel !
Balance is the key
Good perspective
Yes please guruji!!! We are committed to subscribe to your new channel, please go agead!!
I am very much agree with your Tips I am doing tha same way.
Sir aap property me stamp duty calculation me kyu nahi lete? Is there any specific reason I don't know about?
Thank you Sir, very well explained
First of all, I don’t usually comment on such things, but since you’re calling yourself the "No. 1 Clarity Giver," I had to respond.
1. Buying a Flat: It's okay if you're buying it for yourself. But if it's for investment, it can be a headache with all the loans and paperwork. You mentioned "Income tax benefits," but if you’re depending on those, it means you’re already at a loss. What you’re talking about is actually setting off losses. Plus, in February when the new DTC 2025 comes, those tax benefits will probably go away.
2. Your Janakpuri Rental Example: That example doesn’t work anymore. Property prices were much lower back then, but now they start in crores. You say rental income will double or triple in 10-12 years, but that doesn’t add up. Even Fixed Deposits (FDs) offer compounding interest, but using your logic, FD rates should jump to 20-30% after a decade, which is unrealistic.
3. Real Estate Issues: You also don’t mention the negatives-flats sometimes stay empty for a long time, property value stops growing after 20-25 years, and house designs change, making it hard to sell. On top of that, you’ve got to deal with tenants, brokers, society rules, and maintenance charges. Have you ever talked about real estate frauds? Yet, you claim to give "clarity" but hide these problems for your own benefit.
In the end, everyone talks about what benefits them. No one’s really thinking about others. So, I’d advise people to use their own common sense and do their own research. When dealing with crores, don’t get trapped by such people.
Guys pls read the entire msg and react
Very good information guru ji
Yes yes, we want the finance channel