Case Study: Rs 5 Crore Investment Corpus v/s Rs 1.5 Crore Home | Parimal Ade
Вставка
- Опубліковано 30 вер 2024
- Yadnya's Model Portfolios: investyadnya.i...
Yadnya's Stock-O-Meter Plus Subscription : investyadnya.i...
Yadnya's Portfolio Tracker : investyadnya.i...
Yadnya Shorts UA-cam Channel Link : / @investyadnyashorts3050
LEGAL DISCLAIMER:
Use of this information is at the user's own risk. The Company and its directors, associates and employees will not be liable for any loss or liability incurred to the user due to investments made or decisions taken based on the information provided herein. The investment discussed or views expressed herein may not be suitable for all investors. The users should rely on their own research and analysis and should consult their investment advisors to determine the merit, risks and suitability of recommendation. Past performance is not a guarantee for future performance or future results. Information herein is believed to be reliable, although its accuracy and completeness cannot be guaranteed. The images used may be copyright of the company or third party. As a condition to using the services, the user agrees to the terms of use of the website and the services.
DISCLOSURES UNDER SEBI (RESEARCH ANALYST) REGULATIONS, 2014:
Yadnya Academy Pvt. Ltd. (InvestYadnya) is registered with SEBI under SEBI (Research Analyst) Regulations, 2014 with registration no. INH000008349.
Disclosure with regard to ownership and material conflicts of interest
1. Neither Research Analyst nor the entity nor his associates or relatives have any financial interest in the subject Company;
2. Neither Research Analyst nor the entity nor its associates or relatives have actual / beneficial ownership of one per cent or more securities of the subject Company, at the end of the month immediately preceding the date of publication of the research report or date of public appearance;
3. Neither Research Analyst nor the entity nor its associates or his relatives have any other material conflict of interest at the time of publication of the research report or at the time of public appearance.
Disclosure with regard to receipt of Compensation
1. The Research Entity and its associates have not received compensation from the subject company in the past twelve months.
2. The subject company is not or was not a client during the twelve months preceding the date of recommendation.
He is a rare father.
Most other fathers push for 1,2,3 homes and 1,2,3 EMIs so that he can brag to hos neighbors that his son has 3 homes in Gurgaon
Gurgaon is benchmark nowdays 😂 .
@@tradingwizard562 😂
7:00 to 7:16
mathlab kuch bhi
Ok so it means i m on right track of my financial journey 😊
Motivational case study
High Income + luck + Discipline + Wealthy Parents
found only in UA-camrs examples only 🤣🤣
Not like that I was investing from 2016 and now my entire amount is double and also I bought a flat for 22 lakhs in 2013 and I am just getting 25 lakhs after 11 yrs
Not like that I was investing from 2016 and now my entire amount is double and also I bought a flat for 22 lakhs in 2013 and I am just getting 25 lakhs after 11 yrs
It's not luck factor they seen market downside also
Yes, Kothrud was expensive from the starting, my friends also took flat in Kothrud and got property is similar rates of 80 Lakh to 1 crore in 2012-2014. Being among to posh area - appreciation would have been good, but then the outskirt of kothrud like Bavdhan and Bhugaon extended like anything - reducing demand of kothrud and flat is worth 1.5 crore. Today, as tech is in trouble so prices showing reverse journey. The realestate BTW given CAGR of 6% in last decade in major metro! Home loan interest itself near 9 - so it is only profitable for black money hoarder! Also one thing everyone forgot is 12% overhead of registry and stamp duty two ways! So only government became rich in transaction! Shuddh munafa!
There will be some mistakes in my analysis, but there are so many holes in the video. 1.4.84Cr and not 5 cr
2.Invested amount in MF is around 1.6 times 80 lakh. 1.6 times 2Cr is 3.2 Cr.
3.A property bought for 10 lakh in Kothrud in 2007 is now at 60 lakh. Assuming that property doubled in 2007-2011, still the value of this case study property should be 2.4 Cr. 1.6 times 2.4 Cr is 3.84Cr
4.They were earning 1.4 Lpm in 2011 and could not pay off a 30 lakh loan? 7 years still left? Assuming they did not want to pay off and invested in financial assets.
5. Their parents wanted to adjust tax, and possibly black money. 20% tax would have reduced the 50 lakh amount to 40 lakh. Roughly 4Cr equivalent property now.
6.With a starting sip of 42k and a present sip of 1.45 L, the step up is 11%. Running sip calculator the returns come at 22%. These returns are highly improbable to be repeated. If the couple did top ups in between, that invested amount also has to be calculated.
7.If their rate of return on MF was 22% as calculated, their reinvestment return of rental income should be also around 22%.
Comparing the rental incomes of this property and our property in kothrud, their starting rent should be around 15000pm in 2011 and around 42kpm now(post taxes and expenses and vacancies) which reinvested at 22% is itself 1.5 Cr.
8.A 28k emi on 30lakh loan for 20 years(13 paid + 7 left) comes to 9.5%. Very unlikely they averaged 9.5% throughout, though rates did reach 10-11% at times.
I would broadly like to think MF created a 1 Cr additional benefit over property, but it is not that clear, and highly unlikely any benefit above that.
@@ameydandekar1413 it's not a case study. It's a cooked up ideal situation story which anyone could have done. The claim that it's case study through his experience of many years is just "bhakwas". There's another who puts his cooked up stories as if answer to his friends queries. I do not know why people brand their videos so mischievously.
This story is all holes no mint.
Regret. Not everyone had that privilege of getting awareness of investment in MF or financial discipline at that time or at that age !. Or perhaps had a financial mentor like you .....all we got then is a set of agents who were much focused and keen on selling any schemes to get their commission.
You always take example of very high net worth which we are unable to correlate
Which makes us to stop video
What if the entire 50L were invested in lumsum and a loan was taken to buy a house. Ye 50L bhi to grow karte na.. SIP sahi hai batane ke liye kuchh bhi calculation karte hai ye log. You are right 1.32 cr total investment. Considering house was bought to gave on rent entire interest on EMIs would be tax free (adjusted as expenses against income generated from property). Also the way they keep increasing SIP amount, they would have increased installment to pay the home loan faster.. or any income more than 70K would be invested as SIP. Outcome would be better in that case.
Rs 13225000 (~ 1.32 cr) is the total investment amount done till date of which current value of corpus is 4.8 cr,
Are u an MBA or MABF? Great maths.....
Very valid point.
What if the entire 50L were invested in lumsum and a loan was taken to buy a house. Ye 50L bhi to grow karte na.. SIP sahi hai batane ke liye kuchh bhi calculation karte hai ye log. You are right 1.32 cr total investment. Considering house was bought to gave on rent entire interest on EMIs would be tax free (adjusted as expenses against income generated from property). Also the way they keep increasing SIP amount, they would have increased installment to pay the home loan faster.. or any income more than 70K would be invested as SIP. Outcome would be better in that case.
This case study is for the case that u r buying real estate for investment. If it was not a flat for investment, but to live in, then u need to factor the rent that they would have paid over the years, instead of EMIs. Cannot get a good 2bhk in Kothrud for 30k monthly rent today.
Lucky guy...never had to go through job loss...wife did not have to quit job for childcare or eldercare.....hope everyone has a steady life....ideal life scenario....
Not doubting the power of compounding and discipline. I too invest heavily in MF, but property taking 13 years to double is bad research. Taking inflation equated return, the property should have taken max 10yrs to double it's value (even less if area is prime)
He is correct. I live in Pune. I also purchase a small flat around same time at a good location in Pune and I sold it at a loss as per governments indexation. Flat prices don’t appreciate after 10 years for old flats as people aren’t interested in putting so much money in an old flat. I purchased it for 54 Lakhs in 2014 and sold it for 72 in early 2022. Put it in MF which is appreciating at a faster rate.
When it comes to real estate always invest in plots . Reason is you can build basement , plus three or sometimes four floors on top .
The basement can be rented out as residential unit separately, plus each of the 3 or 4 floors can be rented as seperate units . So now u have even upto 4 flats ( kind of ) . Then over a period of time escalation begin to multiply .
So its like if u got a plot for say 1.5 cr and built a 2.5 cr basement plus 4 floors , total investment 4 cr , then over 20 - 25 years u will find overall value of each floor to be 7 to 8 cr each , so property becomes worth nearly 30 cr , plus u have earned 10 cr or so in those 20 - 25 years as rent . So overall u will see investment growth of nearly 4 cr to 40 cr in 20 - 25 years depending on the area .
In flats things being single unit and over supply many times u won't find same appreciation .
See how real estate has doubled in last 3 years in Delhi ncr..1 year back you can get a 3 bhk in delhi ncr under 1 cr..now its 2 cr..at present can't say which is the best option..
@@ashishdhingra2822 Ashish bhai. Completely agree with you. My younger brother is also looking for 4 bhk and Gurgon and he is staring at 2.4 Cr figure. I don't know why he wants to buy it in Gurgaon as after his kid leaves for college and his retirement is near then why would a person like to retire in a city like Gurgaon? Price appreciation of old flat is still illusion and mysterious as there is not much data available. if you try to sell the same 2 Cr flat after 10 years, you wouldn't get the market price as people are always interested in spending that much money on a new flat. and that keeps pushing the price of new properties only while old flats (more than 10 years) don't fetch that price. Problem is that we hardly have any statitisic about the 10 years or 15 years compounding of old flats. We only know the current prices of new properties. There is no way to know through rear view mirror unlike in equities or gold. So builders that this advantage and create a bubble for new properties. Just check with any broaker for the selling and original price for a 15 year flat and you will know how these builders smartly create the illusion of price appreciation. Price appreciation is only for new flat. I faced it too. The new flats in my locality for the same area were very expensive but still people were interested in buying them due to obvious reasons.
@@Hey-c2b7h don't put everything in mutual fund, real estate is safe heaven. u can diversify ur investment. if in old age mutual fund goes down. heart attack may come.
I have been watching your videos (both UA-cam channels) since very long. One thing I noticed is, you guys never mentioned investing in foreign countries for diversification. Is there any reason? Please consider making a video on foreign investment as diversification.
Thanks for your valuable knowledge.
Please cover these points in the video:
1. Investing in country specific vs global
2. Investment options (ignore the current restrictions) like MF, FOF, Direct, ETFs...
3. Investment strategy
Akshat Srivastava effect
@@angadandfamily I don't watch every Tom, Dick and Harry, only selected youtubers.
@@RohitSurw Very true.
99% father will push for real estate and lic. The couple was very lucky that they got a guardian like him who helped them with ideas and experience.
Wonder how a father of that generation could give such a good advice when the investing world was uncontrolled, full of frauds, unreliable
Many of the Funds has given 18-20% CAGR from 2011 so if they would have invested those 50 lakhs, the total corpus would have been 5 crores already. They could have continued the 70k EMI.
Many of the Funds has given 18-20% CAGR from 2011 so if they would have invested those 50 lakhs, the total corpus would have been 5 crores already. They could have continued the 70k EMI.
50 lac hi lump sum karts the to…
Should not have included top up sip for comparison . But only the emi amount invested 70 k that they were willing to pay from the beginning . Only then it would be a fair comparison
This is misleading
Sir what an brilliant plan agreed by both the generation people.
The result is tremendous...
We will be waiting for such case studies....
Keep on motivating us.
Is XIRR same as CAGR since inception /more than 10 year period? Can they be taken as the same metric of fund performance? Which is better for regular SIP investment evaluation?
Can we just not take latest figures.. and take maybe 2023 mid figures.. it would half i believe.. with small amd mid cap doublimg in last one year.
Agreer there discipline is commendable.
Real Estate UA-camr Says real estate is good and MF Person says MF is good.
But really this much people didn’t give correct advice. Calculate as per your tax slab and do both based on the calculation
Real Estate UA-camr Says real estate is good and MF Person says MF is good.
But really this much people didn’t give correct advice. Calculate as per your tax slab and do both based on the calculation
Good case study as usual but the couple are in top 1% earning people in India. Please discuss case studies of person earning average salary and barely meeting their expenses and barely saving.😊😅
Discipline + consistency + Right investments= Great Wealth
Sir just trying to understand why took 5 funds for 40k per month? Why not just 3 top funds and save cost for the investor?
If I know top 3, I will be in the top 3% of rich Indians
Sir ye to pata he equity jitna return nahi milega real estate me par metro city me rahe kaha? Max 3 year me house change karna padta hai rent pe and address bhi and neighbors change every time, easy hai kah na rent par reh lo pan practically it is hactic
Salary increment is 10% and food inflation is only 7-8%. How to step up sir ?
7-8% inflation applies to lower class.While upper meddle class has to bear inflation in the range of 15-17% pa
*middle class
5 lakh ka income me to mai bhi kama loonga ....25000 ki salary me 5 cr banao 😂😂😂😂 to jane
5 cr jyada nahi hai 5 lakh ki salary me ...15 cr hona chahiye tha ....mai to 15 cr kar deta....kya kare salary kam hai ...par saving investment rate 38% hai mera
75% Mutual Funds are unable to beat their benchmark index in india. Why even invest in mutual fund rather choose ETF with 0.25% fee instead of 2.5% in mutual funds. Why we don't diss this... might be because there is no commision provided to buy ETFs to financial advisors.. 😂😂😅
Pls make shorter videos...
Very good study worth to apply
'Pitaji' wale use-case for financial case-study are a bad example. Most of us are self-made individuals and watching such case-studies is a waste of time. For bad times, these people always have 'Pitaji' as a cushion - and hence, they don't really need much Financial planning to be honest!!
Back to back Nice case study ❤ "for audience who believe in goal based planning with patience and consistency"
Really appreciate you and your teams sincere efforts to make it fruitful... 🎉
When the market is upcoming you wii experience positive return in the both side! equity and M.F. !
Hi Sir.,
These videos are good motivation to stay consistent in disciplined investing thank you for such good explanations.
Can you guide me(us) on how much correction should an individual bare in an MF portfolio in situations like covid (2020) correction even though its long term goal
Market corrections
Geopolitical influence
Fund house news will affect the investor in the initial years of investment can you make video on case study where a portfolio crossed such situations and in the end disciplined investment strategy payed backed
When stock market is at its peak ,,,u are calculating all things ,,,,there should be versatile investment,,,some area may run at certain time...this time share market is at high😊
Nice case study but i am wondering how flat cost 80lakh rupee in kothrud is todays cost is just 1.5 cr?? if you go to banner and balewadi new normal average cost is 1cr for normal 800-1000 st apartment… so i guess today that apartment should cost around 2cr minimum…apart from that i am not against or in favor of property investment…
I joined in Indian Railway in 2005 that time I didn't know about mutual funds or stock market. No one told me about mutual funds.
Parimal Ji - Aapke sare investment me kahi bhi 30% tax deduction ka discuss nahi hota hai which I think Don't give realistic picture of investment
He can give calculative view based on the tax and return. But giving Genral view as case study
Thanks for the motivational video. Even if we consider the real estate value to be ~2cr still equity investment make sense as the current value of equty is more than double that of the real estate
Very few people thought 10 years ago that equities specially SIP will give these kind of returns as compared to real estate
It would have been better if you had included XIRR of each fund- That would have helped to find out what has been the difference between Small cap and other funds and would have given an idea if taking that risk is even worth.
बेटा तो मान ही जाता है पर बहु को बहुत चूल होती है की अपना खुद का घर चाहिए. भले सासुर ने दस घर खरिद के रखे हो.
Itna paisa hi nahye
Excellent Video Parimal, we are glad we took financial planning advice from you.
Wow
Really inspiring. Kudos!
Kori gap
Good Perspective! eye opener for all. Thanks for sharing it.
Can you please let us know the xirr for the total investment
MBA वाले से ज्यादा समझदार तो उसके बापूजी है ।
सत युग लौट आया
Ur case study really very helpful to learn & change life cycle
Assuming there is downfall in next 2 years and no investment is done. protfolio will look like this in 2026 ....
1. Small cap (50%)- 40lakh
2. Mid cap (40%)- 70lk
3. Value (30%)-86lk
4. Large cap(20%)- 89lk
5. Balance (10%)- 45lk
Total will be 3.3cr in 2025. Still not bad! Chalega. But, not that great like Real estate!!!!
We will get some rental which can be invested ❤.
Parimal sir, boliye possible hai na yeh scenario
Kuch bhi......
Wisdom of your world is realy motivating
Investing in share is more beneficial i think
In the end everyone buys real estate
Wow 😮
That’s a great case study ❤
Please bring as many case studies
Nice case study..lots of knowledge..
Sir ata tumhi share recommendations karat nahi ka? Small cap made monthly 1 share recommend kara na
Sir, Very good case study ❤
Good case study ❤
From your hand writing,i can say that u r very true n humble nature person ❤❤
Can u do my handwriting analysis as well?
Love the cases study
Excellent case study
Nice case study 👍
Wow 👍🏻
Big fan
sir i am 18 years old i will get an intership of in 6 months or 1 yr which will give me 5000 rs per month how much sip can i do. Already i have a 2000 rs sip which is paid by my parents. I am a type of person whose risk profile is low i can invest in mutual funds but not equity directly.
Go for sbi nifty index 500 fund. Start with 500 SIP only. U tube deleting my comments. Invest in direct index sbi mutual funds instead of regular index funds.
@@candyfloss184 okay sir thank you for your advice but there is one question should i go through the offline broker or should i buy it myself.
@@yashjoshi6229 Always go for DIRECT index funds. Expense ratio will be very very less then. You won't be losing. Donot ever ever ever (remember this) donot ever go through regular funds. Other people will get benefit at your cost.
@@yashjoshi6229 always Go for Direct SBI Index funds. Donot go for regular to save upon expense ratio.
🙏
Kya sapne dikhate UA-camrs, 1.45 lakhs ki SIP se 5 Cr corpus, sunne me acha lgta hai par aam logo k liye realistic nahi hai
Kabhi 5k-10k wali case study bhi dikha to, dekhte hain kitne views milenge
This video is not for you😅
@@kapilchawhan4062 kyu bhai! Mai kuch galat keh rha hun kya ye btao.
Lagte to tum bhi middle class family se he ho jo yahan par investment strategies dekhne aaye ho, lekin sach kahu to crores ki baatein sunne mei to achi lgti hain obviously, aur han bnn bhi jayenge ,par humesha ese he examples kyu.
Kya tum kar paa rhe ho 1.5 lakhs ki investment abhi?
Buy home if must !! Or invest that’s is key of everything
🎉
Tax saving?
Even after paying 12.5% tax on just 4cr they would still be left with 3.5 cr in hand. It doesn't matter how much they saved in income tax via paying interest on home loan. It will never surpass this number.
👶
🙏🙏🙏❤❤❤SIR
Sar aapka phone number dijiye please
Without watching ur video I am saying home is 1st priority
Without watching the video you will never know they also own that home.
Your comparison is wrong :
In first case total investment is 80 lacs.
But in second case step up sip is playing the role. Investment is more therefore returns looks more.
Every finfluencer is trying hard but in India Property investment is one the best alternative investments to equity which in number of cases outperforms equity also.
Ye jhut hai possible hi nahi hai pune mai 13 saal me double bhi nahi hui agar aisa hai to pune barbaad hai
You know right, he is talking about a flat & not a plot or land. Appreciation of flats don't happen in a way many people think. No one is going to pay 1cr for a 13 year old flat.
No.
Seems like maan garat kahani😮
🤦♂️🤦♂️🤦♂️
@@ParimalAde log nahi sudhrenge...😅😅
@parimal ade missing "STOCK TO WATCH" video