Mutual funds vs Real Estate | Should We buy Property or Invest through SIP

Here we have tried to observe the best investment option from Mutual fund or Real Estate. We also added excel below to understand the return side of these two asset classes.

Should I invest in real estate or mutual funds? This is the first question that arises in the mind of every investor before he/she begins his investment journey. This video discusses everything you need to know about real estate and mutual funds investments and help you choose the best investment option.

#realestate #mutualfunds #investing

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All Video blogs of I speak about money are for information only. No Vlog should be considered as investment advice or as a recommendation. The user must self-analyze all securities before investing in one. Also, in the Description, you can find an Affiliate link which helps us to run this channel.

[Moneytalke]

What topics you suggest me to make videos :-)

[sri]

Hi Friend, your video was quite informative. However, I have few doubts and I hope you may help me to get that clarified, please..thanks, in advance.
1. Suppose I have good fund in my hand and I want to invest in real estate of buying an independent house..ok? Actually, I also felt that instead of going for loan & incurring huge EMIs, which would certainly pinch my pocket. So what I felt was, instead of investing in Mutual Funds, I will go for real estate and I also believe this also will yield me through rent and ofcourse eventually when I plan to sell the property I will get a good amount ofcourse than what I had spent while buying. Plus, the rent what I am going to get every month and that also I can invest in any MFs or in simple recurring deposits etc. Thus, I feel it’s a good idea.

2. Besides, to strengthen my idea while I see alliance for my son, if we say that we have a nice property then it may certainly enhance our standard..right? Rather than telling to the other side that I have invested solid amounts in MFs, and that may not give that much effect as that of a property. However, I also felt the need of telling you that we do have a flat in a good locality, and that’s on rent on date.

3. Never the less, over the last part of your video you said that we can buy a property during our later years from the returns we get from MFs. But here, if I am not wrong the inflation rate also will strike the market, then. Is it not? Barring the inflation, at that age commitment towards the family will also be more like children education, marriage etc…etc.., So, under the given situation, buying a property should not become a mere dream..right? So, kindly give your expert advise, please..

[Arh]

The day we get leverage to buy mutual funds, I will believe only Mutual Funds should be done.. but that will not happen.. you create wealth by real estate.. Check the equity returns of Japan since last 30 years. Not saying it will happen in India, but there is uncertainty even in Equity markets.. compounding at past rates is NOT a given for equity markets either.. both asset classes are good and bad, both have pros and cons, is my opinion.. thanks for the video.

[sumitrajiiit]

Bangalore rental yield is 5% on 50 lakh property getting 20k rent + maintenance is very easy.

On 1Cr property easily we can get 40l + maintaince

[samirkhairnar]

Very well explained !! I am an ardent equity investor. Nifty 50 over a period of time have given a 16% cagr returns.... Much better than real estate.

[amitbangalore]

Very mathematical & clear explanation of Home buying vs Mutual funds

[riteshramgir]

In online SIP calculator it's showing different. Also most of the people don't pay EMI up to 20-25 years. I have seen people closing the home Loan in 8-10 years.

[SidChatterjee]

Awesome, thanks Paritosh. Such insights are valuable. Every video that I watch of yours, teaches me something new.

[desaiparam]

You forgot to add maintenance charges plus municiple taxes of the property during those 20yrs which will bring down the returns even more. Greatly put up otherwise. 🙏🙌

[varunbhati]

Itna effort mat dalo bhai Dusre youtubers sharma jayenge ! Great work Brother !!!

[krishnachoubey]

परितोष जी
I follow Deepak Dubey astrologer. He said in his video for my Rashi ki don't buy properly as an investment bcz it will not give you expected returns.

Aaj maine yeh aapka video dekha on excel and various websites..

Toh finally based on Rashi and based on your practical scenarios

Decided to continue with MF

U forgot about ghar ka monthly maintenance fees, house tax fees
Registration fees, etc...

After 20 years very difficult to resell bcz ghar बहुत purani ho chuki hogi
Wahi MF me gajab ka returns

MF is more flexible compare to house buy/resell

I agree with 1st point, agar ghar रहने के लिये लेना hai toh yeh DIL (इमोशन) ka mamla hai aur डिबेट ka sawal hi paida hota.


MF me ek mobile ke screen pe kaam ho jata hai
Wahi purane ghar ke reselling me u will have deal with many many people to see who will buy

[Sandeesh_Srikantam]

Definitely great work ! but to make it picture perfect please try to redo this with average amounts of maintenance charges, municipal tax, tax on rental, repairs like painting, rental gaps between two tenants and renovation etc, and on mutual funds side you need to consider paying taxes while the SIP investments. Am I missing anything here ? Don’t delete this until you upload the updated version.

[shiva]

बहुत अच्छे ढंग से आपने समझाया सर । Thanks

[mixandmatch]

मुझे बहुत दुख है मैंने यह वीडियो अपलोड होने के कितने दिनों बाद देखा इसमें इतनी अच्छी जानकारी दी गई है आपका बहुत-बहुत थैंक यू

[christlinexavier]

You are just awesome . Everybody wants comparison when it comes to the matter of investment and you video solve this problem .

[nitinvijaydange]

Your Explanation on this Subject is Very Good.
Thanks Sir🎉

[NatashaDec]

Which mutual funds should we take whichwill not be risky.how much to invest for retired income to take care of monthly expenses when we are not working.wht if compny goes bankrupt slike satyam yes bank sahara india

[surajn]

One can invest the money earned from rent again. But in SIP no monthly income option. You can consider rental earned to be invested as SIP. Then real estate seems better.

[jitansudas]

Can you please make a video on how to make investments in mutual funds, what should be the portfolio (large, mid, small, debt fund %age) etc if someone wants to invest a lump sum amount? Thank you

[sriganesh]

I agree with you on this Paritosh. I also want to know if this holds true if I buy a home for investment without a home loan, that is I am paying the full 80 lakhs rather than investing in mutual funds.