Don't Get Fooled by Real Estate and Gold Returns | Real Estate vs Stock Market vs Gold Investments
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- Опубліковано 25 тра 2024
- You are wrong about investing in Real Estate and Gold. If you are considering Property and Gold as the best place to invest then this is the video you should definitely be watching!
#investing #realestate #stockmarket #gold #property
Video on Gold Investment
• Physical Gold vs Sover...
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Humne 20lakh ki property buy ki thi 2005 me abhi uski value 4 crore hai, it's all about luck everywhere no one can guarantee which will give best return
Sir, though everything explained by you is correct. But instead of taking example of a person whose mother purchased gold in 2007, better consider rate of gold from 2000 to 2024 and calculate the CAGR. In 2000 rate of 24 carat gold was Rs 4400 per 10 grams while currently rate is around Rs 74000 per 10 grams. CAGR is coming around 12%.
Let's talk about real estate now, since I am from Delhi, a House costing 9 lakhs in 2000 in Delhi is costing 2 cr now in 2024 which is again giving CAGR of around 14% plus rental returns recieved from the property can make it much more than what Nifty has given. I am quite sure most tier 1 cities would have given similar returns not sure about tier 2 cities.
Even my friend invested in a plot on Yamuna Expressway in 2019 for 45 lakhs is now valued at 2 Cr in 5 years with a CAGR of 35%. So, let's not declare real estate investment inferior to equity by giving random examples.
There is no denying the fact that equity has given good returns but according to me real estate is not far behind. Better to diversify in all asset classes so that when one asset class is not performing other may hedge our investment in case money is needed urgently to avoid panic selling in losses.
Imagine using that property for residential purpose too. This would return even the acquisition cost and will basically make the plot free.
What a wonderful explanation . Your description is much better , diversifying the investment is the best plan . Real estate return are much higher then nifty
sahi kaha, share market tho down bhi hota hai aur loss ho sakta hai
Your message is very informative. Adding hidden costs will give much better idea. Maintenance, property tax, capital gain tax.
One of my uncle's property in gorakhpur appreciated by 125 times from 2 lakh to 2.5cr in 20 years. Case to case the appreciation can differ wildly.
Yes. But that hidden costs are easily taken care of by the value derived from usage of such properties. @gamesong6600
Very few people can hold stock for such long duration, but hassel of selling property ultimately preserves the investment.
Agreed.
"Mera kaam hai apko samjhana aur sahi information aap tak pohchana baaki jaisa aapko sahi lage".
Much needed and appropriate dialogue. 👌🏼
I bought land in 2022 July for 85 lakhs, and today the market price of the same land is 1.7 Cr.... buying land at the right location and at the right time, will definitely overpower any other investments
हमने लोन लेकर गाजियाबाद , दिल्ली एनसीआर में एक फ्लैट खरीदा था 22 lac में year 2012 में , आज भी उसकी value 26 lac तक हुई है, अगर इतना रिलायंस इंडस्ट्रीज के शेयर खरीद लेता तो अब तक 2 करोड़ रुपए हो जाते😢😢
Bhai kaha liya tha? Ye to surprising hai ncr me aisa hai to
Mujhe bta de bhai kahan liya hai ghaziabad me?
Main 26 me khareed lunga..
@@vishaldaiyaha sahi baat hai. 26 lakh me NCR ke pas milna bhi easy nahi.
yeh to meri bhi kahaani hai 😢. ghaziabad mein liya tha .. aaj bhi loss hi hai
Wahi Jisne Bangalore Gurgaon ya Mumbai me liya hoga to aaj uske ghar ki cost 3 times bad gayi hogi. Real estate bhi stocks ko tarah hota hai, growing city me paise lagaoge tango returns ayenge.
Nahi to tum bhi “apartments ki value nahi badti” wale logo me hi aa ke reh jaoge.
in principle agree ... but real estate depends where you are buying (outskirts .. not much appreciation .. but within city .. there are very good returns) ... There are example where people made much more than equity ... ,
Agree
Appreciation depends on scope for further development, even if outskirts. Infact within city, there is no further appreciation because of no further development or rather being developed.
City ki rates aur outskirts ki rate mai bhi zammen aasaman ka anatar hota hai gyanii ek 200 gaz ka plot aveg locality mai 80-90 lakh ka aata, outskirts mai vahi 30 lakh mai aajata
Problem with real estate is you cannot diversify your money. So wherever you have invested it is a pure luck game.
Also, majority of Indians do buy real estate but still stays poor or at best mediocre middle class all their lives.
I was a strong votary of Real estate. But I realized the real dangers and serious short comings associated with it. First and foremost is the threat of someone illegally occupying or selling by conniving with concerned officials and local goons acting as politicians. So go for real estate with utmost caution.
Mere khyal sai teeno(property, gold, share/mf) mai investment hona chaiye, kyunki share market jab girne pai aata too sara profit negative mai chala jata hai. Use samay property or gold hee kaam aayenge emergency mai.
Not really. Thats only true if ur equity portfolio is relatively new lets say 3-5 years old
Waise emergency me property bhi kaam nahi ayegi, unless you're going to sell it at a distress price...
Gold bilkul kaam ayega, hamara inflation hadd se zyada ho gaya to bhi ayega, currency kitni bhi devalue ho jaye gold tab bhi kaam ayega, war ho jaye and kisi tareh country se bhagna pade to bhi kaam ayega...
Gold is God's currency for a reason!
Emergency me property kaam ayegi .. bro ur financial knowledge is naive ... most illiquid asset from three which u mentioned is property.. gold and share or mf i recommend.. property is for pro who knows about property market then u invest other wise don't invest in property
Property emergency mein kuch kaam nahi ayega...You cannot sell property overnight... kya kuch bhi bolte ho bhai .
Lgta hai naye ho market mein😂
Practically, the common man does not keep investments in the stock market for long periods. Twenty-five years ago, 9 lakh rupees was a significant amount, and due to a lack of knowledge and financial discipline, most people would not invest such a sum in stocks, risking a total loss. Furthermore, calculations on paper do not always translate to real-life outcomes. Therefore, investing a large sum in real estate is often a better decision for a layman than investing in share market.
Genuinely explained which most people fail to understand it literally ❤❤
My friend bought a flat in gurgaon in 15lakh in 2003. Now its worth is over 2 crore. Plus he is earning 4 percentage rental yield from it which make his return in cagr around 18.
Thank you for sharing your analysis. Very informative👍
This channel is going to grow exponentially...
simple and to the point, thank you :)
Agreed. Good analysis and clear articulate explanation
You are a Genuine Financial Influencer ✅
Excellent analysis, as always
Informative case study
Bought a land for 34 lakhs in 2022 ......now it's rate is 60 to 64 lakhs .......paisa har jagah Hai .....kamane ke liye dimag hona chahiye
34 lakh to lagana padana
Tukka chalne ko dimag mat bolo.
Bar bar aaisa nahi hoga . 😢 Small cap ,mid cap index bhi double ho gaaye from 2022 lekin bat bar aaisa nahi hoga na taab
Tumne kuch dimag nhi lgya..you just got lucky..2022 se har jagah price bdha hai..
@@neerajmittal6060ekdum shi
At minute 9:00 onwards you gave very good conclusion, very mature thinking
I found it too insightful🎉🎉 thank you for sharing 🎉
Sir, India with Population of 140 Cr. We have overtaken China last year which means Housing demand will always be there as Roti, Kapda aur Makaan is basic necessity. Which means Real Estate land for construction on long run will be always there as new population will live in Rental or construct house or apartment.
Fundamentally in long run of > 20 years shall give return . Demand and Supply GAP will remain either in Metro or Smaller cities.
China land is getting urbanised through Roads / Highways and Apartments. So land will remain scarce as people cannot live in AIR. Effect of gravity - मनुष्य को ज़मीन पर ही लाएगी
Keep Posting Genuine Content ❤️
Insightful video👍
Everything is absolutely correct still its very hard to convince others even sometimes ourselves not to invest in Land, Realstate / commercial properties... 😊
Real estate Rocks 👌👌👌 6.5 Lakhs in 2008 Now 50 lakhs in 2024 plus (monthly rent saved from 2k in 2008 to 9k in 2024) CAGR 16%
Gold rates in 2007 - 10800 per 10 gram
Gold in 2024 - 74000 per 10 gram
So 27000 of investment will be minimum 1.6-1.7 lakhs if i cut making charges of 15%
So now show the right cagr .
15% making charges on 1.5 laks or 1.5 lakh is the amount after deduction of making charges
🎉 very helpful video thank u sir
Good information thanks sir
Nice information🎉
Entry time and exit time is main thing . If u consider exit time of any black swan event then nifty is negative. Property and gold are real assets. Index performance can not guarantee in future u can check with china index
Same issue with real estate in china .. when there is not money in market boy buyer will buy ur real estate at ur asking price ... Actually they r quite linked..... Real estate price are economy driven n economy is directly linked with sensex
You got a subscriber. 😊
Great video, stocks return the max hands down, Returns aside, real estate and gold are very very difficult to liquidate but stock market is just one button away for you to liquidate. If there’s an emergency you cannot sell part of your property like a room or bathroom and get some money out of it but it’s in stock market you can sell 10% / 20% of your portfolio and use that as an emergency in case you get into one, more than anything when you invest in the stock market, you’re investing in Bharath there is a lot of pride that goes into it and can pat yourself for Bharath’s success
No point of comparing stock market to Real state. No one has the gut to invest all his/her money in stock bt in real state people easily invest all his/her money. So actual amount of return will always be greater in real state.
Stock market is risky.
My friend's parents put their hard earned money in stock market for their son's abroad education.
In mid 2020 they were supposed to withdraw it after 5 years of investment.
The returns couldn't beat fixed deposit returns.
Bhai ye baatein bs youtube pe hi achi lagti hain! Ground realities are completely different. Noida me jo 3 bhk flat covid k time me 80 lacs k the aaj k time me 1.4-1.5 crore me bhi mushkil se mil rahe hain. Am talking about jal vayu vihar, Arun vihar type of societies.. laga lo ab hisaab! Mera stock market me XIRR 18.9% hai from 2019. But real estate ka jo boom hai wo alag hi hai bhai..khaaskar covid k baad.. it also depends on the place you've invested in
Flats are not investments. People who have too much liquid cash or black money prefer flats. Try individual house or plots in tier 3 growing cities, which will become tier 2 and then tier 1 in 25 years.
Bhai 2012 se return check karo. 2012 se 2020 tak Noida mein zero return diya property ne
Great video.
Thanks for the helpful Information 🚩🙏🏻
आज आपका 1st वीडियो देखा..... और subscribe किया...... Great man
Maine bhi
Explained well bro..
great info
I recently finished the first phase of The5ers, and I solely traded gold.
In 1996 person bought plot in Navi Mumbai for 3 lac. Construction done in 2003 which costed 8 lac so total 11 lac. Current price is 1.6 cr min and can get upto 2 cr depens on location. Now one more twist in this, current rent of property is 40k per month so this property gives invested amount return in every 2.5 years.
But being said that it will be difficult to get this kind of return in real estate now and this investment was done when Navi Mumbai was developing and now this. property is completely in developed area. I have also seen minor or no appreciate in some property bought in around 2015 where as i have also seen appreciation like Navi Mumbai in Hinjewadi area of Pune in just 5 to 10 years. So depends where are u investing at what time.
Vey nice investment sir , as per 2006 . 3 lakhs would also be a big deal .
Hii sir...
I watched almost all videos of your channel, my humble request you to what should I do in long-term to invest my money..... Grow, zerodha, or sbi securities or your opinion
Good video! 👌🏼
Well! Initially you opened CAGR calculator, then later why did you opened a lumpsum calculator, I didn't understand that part! 🤔
Good presentation
Gold rate in 2007 was around 9.5k per 10 gm for 22 carat, so we would get 26.3 gm which would then give us with today’s rate 1.71 lacs so returns are the same
I prefer diversity in my portfolio. Past performance is not future guaranty.
Video on momentum funds..plz
Alongwith CAGR, also consider liquidity factor. Things like real estate n houses are not very easy to convert into liquid cash especially during times of urgent need of money for any energency. It takes time to find buyers, complete formalities. Someone might say one can take loan against it but that again involves paperwork n a process which can delay the incoming cash.
Always ALWAYS have money invested which can be converted into liquid money easily (fixed deposits, debt funds, mutual funds etc which can be redeemed within 2 days). Invest only your extra money in good real estate and that too only after proper market survey.
One should diversify his/her investment in different asset classes Doing all investments in liquid funds is the worst thing. In case of emergency one should use emergency funds and not their entire investments. The investments which are not liquid force you to invest for a longer period to take benfit of compounding that is the reason government has created EPF scheme so that forcefully some fund of the salary is allocated which people can't easily withdraw to build retirement corpus. Liquid funds (mutual funds, FDs etc) which people may easily withdraw whenever they need it which kills the compunding factor. Diversification of funds in different asset classes is a key.
Stock can go down suddenly unlike real estate or gold which cannot go down as much
You totally left out the rental income from the real estate. That will be atleast 4%. So its coming aroud - 13%. And one can reinvest that 4% rental income in stocks to increase its value more.
True
You are the best
Mere papa ne harshal Mehta Wale time pe 10000 invest kiye the share main unko 5500 ka loss hua tha uske baad unhone kabhi shares main invest hi nahi kiya 2007 main ek plot liya 3.5lakhs main Aaj uski kimat 55 lakh hai maine mutual funds main bhi 4 saal phele 1lakh Dale thee Aaj 1.5 lakh hua hua wo plus gold main 25k dala tha wo bhi 32k ho gaya hai meri mausaji ne meerut main 2003 main 2lakh ka plot liya tha Aaj uski kimat 2 crore hai to ab bolo kya Kiya Jaye
You are absolutely right.
Real estate investment also gives you rental income month on month which is not calculated here
That can be adjusted with hidden costs of owning.
Truee😅
First view & like.
Brilliant
But then there are many people who have lost money too..and thats the reason why many fear investing in markets. And believe there should be fixed investment too
The people who do fno thats basically gambling
Nice
What you see is builder's selling price, when you try to liquidate it's completely different story. Try it.
Ghar Lena sahi hai ya rent PE Lena sahi hai, please create vedio on this topic.
Please create a new and updated video on Liquid mutual funds
What if some took bank loan for housing plot purchase and paid monthly emi and still property price has become approx 12 or 13 times
Jameen se acha investment kahi nahi hai.
Yai calculation taxation ko include nhi karta game baut rigid hai . Real estate mai black money use karka tax bachta hai . Same with gold also taxation bach jhata hai par iyai equity mai 10% ,15% toh dena hi padega woh kaun bolega. Gyaan mat do jo real life mai chala uski baat karo . Gold i think is giving huge return comapre to nifty in past 5 years
Are you encouraging the use of black money?
White money is more important bro
@@anweshamandal6058 due to high tax regime in India it's bound that who will earn more will definately find means to invest which in ur language is black money
@@samarthshukla4284sabhi language me wo black money hi hai agar cchupa ke transaction ho😌
sir ek video teenagers invest kaise kre ispar video banayi as a teenager age 19 how much should i invest in mutual funds whats the amount i should choose for mutual funds should i also go for real estate like make a video on investing strategy for teenagers
Good
40 lacs invested in 2018 is now 72 lacs ...+ 15000 rent per month .....
How 72 lacs + 15000 rent...? Only if you sell the property you will get 72 lacks and if you sell you will not get rent...??
Very poor returns. Cagr is just 10% and rental yield on initial 40 lakhs property turns out to be 4.5% and on current 72 lakhs (if you believe so) is 2.5%
Here's a fun fact:
40 lakhs invested in NIFTY index back in 2018 would have become 88 lakhs as of today and if same amount put into FD (at 6.5%) will fetch monthly interest of 48,000 way more than your rent.
@@Shortgunss same person who gives 40 lakhs for purchasing property. He doesn't included bank loan interest, broker's commission, stamp duty, registration charges, municipal fees, etc.
@@Shortgunss There's a one simple reason for that.
In India, majority of businessmen, politicians and rich folks have huge component of black money which can only be deployed either in Real estate aur physical gold.
That's why compare India's real estate prices with other countries and you'll see the trend. It is not sustainable in the long run as government will be more strict on tax evasion in future which will crash these prices.
@PG-bl2pn I totally agree. People who don't have financial discipline should better lock themselves in such types of investment.
I find myself as a disciplined investor who is constantly investing and increasing investments every year from last 8 years in the market. I have generated 19% annualized returns which I believe no other asset class can give me in the white money.
Aap Bohot Awesome Haan Sir
My question is index fund future me bhi itne hi returns de paaegi ki real estate returns koaagey bhi beat kar sake
One simple question, how many of you personally know people who have earned 1 crore in stock market?
Have you ever heard that ' mere papa ne mutual funds main 9 lakh lagaye the wi ab 90 lakh ho gaye hai' ?
Make video on momentum index fund.(Nifty200 momentum 50 index fund. Nifty midcap150 momentum 50 index fund.
Which is the best NIFTY 50 MF if we have to start now ?
What about rental income in those 20 years? At the pace the rentals have grown up in last 20 years is just phenomenal.
Real estate gold stocks all r required and imp
How about buying apartment for getting rent or sell it later Plss tell me these topic
One thing i should clear from your side sir
Please if we buy or not that thing
That give us happiness
What i buy a 1 crore Mercedes that is depreciating asset
Or i invest in stock
If i calculate a roughly idea
1 crore is 12% minimum
May be a few years i have 10 -12 crore
Car value goes down half in 5 years
Happiness go to hell buy only things that don't give you happiness
Sir thank you very much
Well all are assests , as per data stocks have grown good, so gold works as the hegding, real state is same way but involves a other kinds of risks, stocks offers a growth over yiur portfolio, but also matters whennyou have invested, just one 40 % correction 75% new investor would be out thats what happend with lot of people in 2008 and 2020 march crisis..assume market remains slugish remails same level.for 3 to 4 years ..all people who are doing sips would not have patience..hence diversification is a keey..
Nifty ke liye Demat account me paise rakhne padte hai which means indirectly usko bank me rakhne padenge. Aur RBI sirf 5-10 lakh ki guarantee leta hai. To agar koi Bank fraud karke band ho gai (adani paisa leke bhaag gaya) tab kaha jayenge? Real estate ya Gold hoga to paisa bach jayega
Real estate me 03 things dekhni hoti hain wo hain location, location aur location, tabhi returns achhe ho sakte hain, iske alawa Nifty 50 ho ya Sensex wo real estate se behtar investment options hain, isme kisi ko koi confusion nhi rahna chahiye
my father sold rs.10000/ acre in noida today there price 100 crore per acre minimum and sold gurgaon 5000/ acre and today one flat is sold in 100 crore.
share market waale share market course bechkar jameen kharid rahe hai.share market utna return nhi aata jitna real estate me rent aa jaata hai.
We kept our ancestral land on road, while my uncle sold it for 3.14 cr, while our property is now at 6.75 cr just after 3 years.
Ur vides r always amazing❤🎉.
Please make a video on
Nifty fifty, next 50,nifty 100,nifty 250..etc which is better till now and in future🔮. With comparison. 🎉❤thank you
Already created
good
Very helpful video for knowledge regarding investing..
I want to invest 1 lakh, which nifty index fund should i buy..? Can i also buy a flexi cap mutual fund, for ex - Kotak flexicap fund..?
You can invest in Nippon India index fund - nifty 50 plan and for flexi you can invest in Parag Parikh Flexi cap. Parag is one of my fav mf of all time. Majority of people investing since last 5-7 years or more will agree. Apart from mf, you can consider etf too. They are like mf but will very low expense ratio so long run you will not pay or will pay very low expense ratio on your gains. This all matters when after investing for 10-20 years you have huge gain and you see AMC jas taken a lot of expenses on an yearly basis to manage your money. Investing since 2020 and learning along the way. 🙏
SBI mutual fund ka nya NFO aaya he uske upr detail video bnao, SBI AUTOMOTIVE FUND
The guy that bought that house for 9 lakh would also live there, this saving rental money. Also it’s very important for us Indians that we have our own house. And the mother who wore 25000 necklace will be feeling so happy showing it to their immediate family and friends. Also we should also look at the taxation and borrowing power. He will easily be able to borrow money from banks by providing house and gold. And more over when they will sell the house if they buy another house immediately they will get taxation benefit, even if they don’t. They will get indexation benefit.
In real-estate you get leverage.. which adds >7% returns to your original investment
Super bhai
Gold & real estate gives stability in portfolio
Real estate k % returns kam hain on an average but portfolio mein uski apni jagah coz amount invested jyada hota h due to cheap leverage/bank loans. Aap bank loan leke stocks mein toh invest ni karoge na in general.
Physical gold ko aap consume bhi toh kar rahe ho while it hedges against inflation. Toh uski bhi apni value h.
Yahi principle majority of Indians follow karte hai fir wo gareeb kyu reh jate hai?
@@WalterWhite-og6wjkyunki unki income kam hai.
@@rajatwow737 Log ameer ho kar real estate khareedte hai... Real estate khareed kar ameer nahi hote
@@WalterWhite-og6wj yes brother BHT hi minority Hai jisne real-estate mein invested reh kr rich bana hai
Investment is not as easy as we think. Its subject which needs in depth study and understanding of many financial aspects considering multiple factors. However in our country unfortunately people are just randomly choosing there investment tools because they think, "if they know how to earn, they also know how to invest". And that's why financial management is the most ignored and underestimated field in our country.
25k ka necklace 2007 mei tha, aur aaj ke time pe value 70k hai.. 10k per 10gm thi 2007 mei aur 2024 mei 74k hai... 7 times... Aur aapkei friend ka necklace sirf 2.5 times badhaa.. Making charges mei kitna hi amount chalaa gaya hooga sir.. Plz clarify.
Great video! Which Mutual fund would you recommend to be able to invest in Nifty50?
10 percent tax should be deducted from capital gains
My father in law had three plots which he sold for 2 lakh rupees a few years back and now those same plots are costing around 35 lakhs. If he hadn't sold those he atleast would have his own home.
I purchased 3 stock 100 nos in 1997, in physical form. Monsanto, Reliance, GNFC
If you invest in mutual fund what about the charges and tax pls mention that also. Expness ratio of AMC and LTG Tax
Still better than Gold or real estate
I recently passed The5ers 1 phase challenge and I just traded only the gold.