Real Estate vs Equity Mutual Funds | Case Study by Parimal Ade & Gaurav Jain
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- Опубліковано 4 жов 2024
- #realestateinvesting #equityinvestment #investmentstrategies #Finance #WealthBuilding #CaseStudy #ParimalAde #GauravJain #FinancialLiteracy #marketinsights
Real estate vs equity investment: shocking case study insights revealed! In this compelling video, Parimal Ade and Gaurav Jain take you through an in-depth analysis of two powerful investment strategies. We explore the advantages and disadvantages of both real estate and equity investments, focusing on real-world examples that highlight key decision-making factors.
Are you considering where to allocate your hard-earned money? This case study breaks down essential metrics, potential returns, and risks associated with each investment type, helping you make an informed choice. Join us as we deliver actionable insights to shape your investment strategy for maximum wealth generation. Don’t miss the results that could redefine your financial future!
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Real estate is in the hand of brokers , u dont get market rate when u try to sell ur property.
This is an example why I wait for your vedios.I never miss watching you vedios.....
God bless you sir...
Sir marathi chenal var video jara kami yet aahet marathi video chi vat bagto aahe...... 🙏
Parimal & Gaurav Jee thank you for sharing the insights.
I have a question here and need some wisdom when you are quoting 47.00 lacs investment in real estate for buying an apartment is it on loan or full cash? Because in real estate the ticket size is big so I assume it would be 20% DP and rest loan so technically your friend has put somewhere 9.50 lacs for 47.00 lacs ticket size for an investment purposes to grow wealth from real estate assets class. Since in real estate you have an option to avail loan so you can get the opportunity to invest for bigger ticket size in order to generate greater returns but where in investing in Equity asset class you can not invest that much money unless you have it ready so you can invest upto 9.50/- lacs only compared to 47.00/- lacs. So how do you see this way from generating long term wealth from your observations.
I feel mutual funds and stock comparison will be better for long term
Thank you parimal Sir and gaurav sir
Very good thought provoking useful narrative.
Real estate cannot beat Equity , it is good for consumption purpose.
Same way, Life insurance is not investment, it is merely risk coverage.
You should do the Flat real estate Vs the agricultural + tier 2, tier 3 real estate. Real gains are in tier 2,3 cities
Very educative discussion.
Thank you sir. Please discuss about investment in Reit & how compounding benefit available
I am not understanding if it's pune specifuc. In bangalore after covid recovery real estate is sky rocketing. 2 bhk of 10 yr old appartment with 1200 sq feet is quoted at 2.5 cr. I see it's given 100% return in past 3 yrs. May be too much speculative buying Herr but it is getting more and more unaffodable
Wait for couple of more years you'll realise that current prices will stagnate for next 8-10 years.
Real estate works in cycle and once cycle goes the prices stays more or less the same for the next many years.
That's what happened around 2011-12 across India. Never forget history. It always repeats.
Very true.
@@WalterWhite-og6wjit can happen with stocks also with no return for many years!
@@MithunDhar88 Yes, but a person never invests crores in just one stock. Diversification saves them but hard to diversify in real estate when single property costs so much.
That's why middle class stays poor by investing in real estate hoping for magic to happen.
It won't be any 2bhk right? As per Anarock survey, average real estate rates (apartments) is around 7500 in Bangalore, that is around 80-90 lakh for a 1200 sqft apartment. Also you are right, prices are skyrocketing in rhe lastv3-4 years but if you average out for the last 10 years you will see its hardly 7-8% appreciation.
Husband & Wife (Age 60 & 55 yrs). With one person's income , investing since year 2010.
Due to lack of knowledge, accumulated around 20 Schemes. Now brought down to 14. Details (04 L cap, 04 Flexi Cap, 02 L & M Cap, 02 Tax saver, 01 Mid Cap & 01 Small Cap. Wanting to bring down to 6-7 schemes. All funds gave good returns so far. In order to bring down schemes, would it be better to redeem in spite of heavy LTCG taxes or slowly bring down funds every year and take advantage of 1.25 LTCG tax exemptions for both. Please reply
For those funds with exceptional returns do the 1.25 LTCG tax exemptions and the funds with mediocre returns, sell it outright and invest in the performing funds.
Hi Parimal, suppose we decide on 5 mutual fund categories aligned to our goals. But if we pick even 2 funds in each( to prevent AMC bias) , we end up with 10 schemes, so that negates the thought of having 5 MFs at the max . in one's portfolio.
Can u give a solution for this dilemma, as putting all the savings in one fund (of each category) may increase the risk of concentration /AMC bias ( like in case of Axis or Quant MF in recent times).
Regards.
Rpower ya dhfl ka share le लिया hoga
Liquidity is the only concern for real estate. If u r a good seller, u can make any sort of profits. Overall, i should do a good research before buying. Also, keep in mind, its going to bring concentration risk ❤
Real estate, specially flats, are notvreal😂 , inflated, spurious prices, looting naives, land has some value if bought individually
I don't believe that 48 lakhs property didn't grow even to 55 lakhs. For long period of time... strange....if possible please provide locality only. So that this discussion will be authentic and reliable .
Even flats?
We've got an apartment that was bought for 42 lakhs in 2013 for 65 lakhs in 2022.
The apartment in the case study was bought in 48 lakhs in 2016 and I'm not surprised. Typically yields are 2-3% on rent and 4-5% on total asset
Nothing strange.. My friend bought 2 bhk in Pimple saudagar Roseland residency for 85 Lakhs 10 years back.. now he is not getting buyers from past 2 years as he is planning to sell it for 1 crore..
@@teamdevopschampion1991yes flats
Paisa flats main nahi land main bhadta hai flats main to depriciate hi hota hai
in this case study you didn't which city/town this real estate transaction executed?
in Bangalore real estate prices are booming a 1bhk=1cr, 2bhk=2cr, 3bhk=3cr+
It will get stopped
@@shubhamsachan6419 can you tell me when it will be stopped. as far as I know property prices in Bangalore never went down. If you have idea enlighten us by telling when will prices will be dropped. Advance thanks.
If you want to purchase a land or flat,then location is most important thing...
If location is good then it will surely give you good returns...
Bangalore??? Exaggreted rates, in Mumbai also still getting 1bhk at65L to L80
You are correct Parimal, I am also Balewadi resident.
Which one is best for long term investment, PPF Vs NPS?
I am not sure the comparison is apt, PPF won't allow you to invest more than 1.5 lakh per annum.
सब लोग mutual fund बेचने में लगे हैं
Kyunki vo long-term meh acha hai
Using one example, you can’t “generalise” the whole industry.
The example gaurav gave is reel.. If real 50L she invested to grow like 82L in 18months is like buying penny stocks of 50L like RVNL,Suzlon Energy,Raymond, Govt. Undertaking stocks.. No middle class can take huge risk of buying 50L Govt. stocks.
2022 mein share market wale dubak ke baithe the… aaj 2024 mein market all time high pe hai to yeh uchal rahe… first home is not investment nor liability…equity ko chatoge jab land lord tumhe 11 mahine ke baad bhagane lage? You should make good selection and do research…yeh jarur hai ki real estate market brokers dominate karte hai … to you should do proper research otherwise paisa to kahi bhi doob jaata hai… stay from direct stocks rather go for MF
All builder sales person using pressure tactics. And people most of the buy flat in FOMO
I have purchase New flat in Mumbai and I want to sell old flat (purchase as investment). Corpus (approx 30 lac) of flat sell shall I invest in mutual fund or I have to use for home loan repayment of new home ? Pls advise
If you want to save tax then you must invest in real estate only
@@kedarisgreat Agree. But that is only applicable for profit I.e. LTCG. But principal amount can be invested
I would suggest - put principal in mutual fund and the profit into loan repayments.
Remember home loan is one of the lowest interest loans, and your mutual fund return would beat the home loan interest rate you pay by good margin
dinbhar baithke wahi gyaan pelte hai har ek podcast me
This is the exact nonsense you should stay away from. 🤦🏻♂️ I can give you countless examples like this. I bought a flat in 2019 at 45L. Now it is over 1cr. I invested 10L back in 2019 in stocks. Now it is 12L. Does this mean real estate is good and stock market is bad ? No right. Here I have selected good flat at good area at good price. That is why it appreciated. Similarly I selected bad stocks in 2019. That is why I didn't get good returns. It is as simple as that. Every asset class has its own advantages and disadvantages. It depends on the individual and his way of selection.
@@PTeja007 I pity on these so called FinFluencers.
Most people will literally abuse these UA-camrs after a few years for all these non sense comparisons.
That is why you should take help from them. Your equity investment way is very poor. You really need good equity advisors.
@@chaitanyatanwar8151 I think he should take help from us to buy quality real estate that appreciates
@@PTeja007 If you would have invested in even Nifty 50 index fund as well.
Your 10 lakh would have been 22 lakh. And your 45 lakh would have been 1.05 crore. Plus the convenience of selling in chunks and selling anytime whenever you want.
And if you would have followed the advice of investyadna i.e a multicap fund, your 45 lakh can anywhere be closer to 1.2-.1.3 crore easily.
@@chaitanyatanwar8151 Any person with brain will not buy flat with 100% cash. If he has his own brain and doesn't use UA-cam, he will take loan inspite of not having 45L. I saved rent as well which is around 25k per month now for the same flat. I just gave an example of portfolio. That doesn't mean I invested 🤦🏻♂️ He is just giving the pessimistic scenario about Real estate and comparing to the best case scenario in stock market which is why I gave one example.
Ppl should invest in plots only 😂
Wrong data
Obedient student like - true,... true,....true,...
Sir
So we should spend our whole life in rented houses ?
What about the mental peace that one gets from owning a home?
Comparison on tangible benefits is showing only one side of the story.
What about the intangible benefits?
The discussion is about "investment" in real estate and not "consumption". So the discussion is relevant for your second, third, ... real estate and not your first home
It is always better to own a house for primary residency but not from investment point of view.
There is far more peace of mind when you see your equity mutual funds double every five years and your net worth grows by 1 crore every year. That is far more reassuring than having to pay rent or EMIs.
@@keyurpatel1982 Keyur bhai, there will be very less people like you who can do investing.
Over that these UA-camrs are making people avoid buying their first home.
There are many who dream of becoming rich with a 2000/- SIP.
A home is needed if you want to get married, if you want show that you have achieved something in life.
So people shouldn’t be discouraged to buy their first home by such comparisons. That’s all.
2022 mein share market wale dubak ke baithe the… aaj 2024 mein market all time high pe hai to yeh uchal rahe… first home is not investment nor liability…equity ko chatoge jab land lord tumhe 11 mahine ke baad bhagane lage? You should make good selection and do research…yeh jarur hai ki real estate market brokers dominate karte hai … to you should do proper research otherwise paisa to kahi bhi doob jaata hai… stay from direct stocks rather go for MF