What is the best investment option ?
Flat is a depreciating asset. You can go for land in an emerging city and stocks
How ?? Everyday flat rate is increasing in city like banglore.
You have been scammed. The price one pays for flat includes price of land too, which never depreciates.
A&B are a trap (not just in returns perspective). Once you invest in real estate, the capital gains is tax free only if you reinvest the capital gains into real estate again. So, once you put X crore of money in real estate, its always going to be in real estate because no one wants to pay 30% on the capital gains.
C is majorly a weather protector rather than wealth creator. If you are at a stage of your life where you need to preserve what you’ve earned, gold should be a part of your portfolio. Else it would be predominantly Equity.
Agreed but should we go for stock or mf?
A combination of both. I would suggest 70% MF, 30% equity. There are good mfs with nominal 1% expense ratio who will take away your stress of tracking and buying the dip of direct stock investing.
I personally like to research about stocks, yet have kept my composition as 50% stocks and 50% mutual funds (because eod mf will always outperform the stocks you’ve picked up)
Started with D when started job😅
Flat is big city, if used for residing is not an investment. However, it will save rental payments which are lost forever. Further, if one chooses the location after careful research, then after useful life of flat, the land is still valuable and flat owner either gets a newly developed flat or compensation for land.
But compensation against land is enough to compensate the money u put in buying a flat.
Except A, my family does everything 😅
Nice
A, B & D are good investments. C is merely a capital conservation strategy which novices confuse for growth.
