disclaimer- i am not financial expert.i shared information as per my own experience. please take advice from financial expert & plan accordingly Example : 43000 Emi 50 lakh for 20 years home loan assume 1)SIP : 43000 per month for 20 years n expected returns will be 12% Invested amount : 1,03,20000 Est. returns: 3,26,43361 Total Value : 4,30,00000 Note : You have to pay 30% tax on sip redemption Rent Factor : assume current rent for 70 lakh flat is 20k now n increasing 11% every year as per rules so you will going to pay around 60-70 lakhs rent Now assume that current Flat price is 70 lakhs if we expect 3 times appreciation after 20 yeras then that flat price will be 2.10 cr in 2044 n as i said if u start 8000/ month sip for 20 years to tackle home loan interest then that amount will be 1,21,00000 So Final Calculation will be (20 years): 1)SIP return : 4.3 cr - 1.10 cr tax deduction 70 lakh rent = 2.6 cr 2)Flat price 2.10 cr + sip 1.21 cr - 30 lakh sip tax - 54 interest of home loan= 2.5 cr
Chukichi information 50L rent sathi almost 1cr plus pay karnar ani 30% chukicha ahe ithe LTCG calculate kartat jo 12.5% ahe ani there are ways to minimise it. Ajun ek flat che returns max 4-5% CAGR ahe so 2.1 cr is wrong calculation. Also buying a home is easy but to get exit from property is very difficult ani parat liquidity cha pan issue ahe na. Mi MF cha part like 50L kadhu shkto pan gharacha part nahi viku shkat. Rent 20k milto pan maintenance 2.5k property tax 1k ani baki maintenance of house kon calculate karel
Aajcha video tumhi changla banvla Well done! Khup potential aahe stock market madhe.Equity ani mutual fund are designed for longterm investment.If we see the past 10 year ago 0r 20 year ago indian stock market's returns then we will know how good indian stock market give returns.Pan ek asa mla vat te ki sip & lumpsum investment stock market ani mutual fund madhe la kahi speed nahi aahe.No doubt hya stock market & mutual fund madhe longterm investment madhe khup changle return miltat pan 20,30 varshanantar miltat. I think intraday trading madhe sudhdha changle career karta yet pan te shikun kel tar to profit aaplyala milnar aahe.Intraday trading madhe fast result miltat.I dont like option trading.Bucause option trading he trading ch product ch nahi aahe.Future he trading product aahe. Techat pan Commodity Trading madhe changal potential aahe profit ch.Thod tumhi shikun ekhada couse karun intraday trading var video banvu shakal ka ki jechatun changla profit milu shakel.Ashi ekhadi profitable strategy jar tumhi search keli tar humanity ch kiti bhal aapan karu shaku.Please intraday trading var ekhada video banva.
Tax on mutual fund redemption for the long term is 12.5% and short-term 20%. Risk factors MutualFund: No one knows after a 20-year MF withdrawal how much the tax rate will be. What will be the market situation after 20 years?(Other factors impact) Risk factors for Flat: 1. Maintenance you have to pay each month 2. Relocation constraint: you cannot move to a different part of the same city or a different city. 3. Flat value appriciation is less as compared to MF (Liquidity is also less.) Ideally, leverging both is good, as you suggested at the end. (Those who are saying buy NA plot.) You cannot easily get an NA plot in Pune city; you have to pay a high price for an NA plot.(Not guaranteed as well) Enroachment is more in the case of NA plots.
Rent stagnant hot ahe...ulat ata down hoel karan ata real estate aati jast grow hot ahe.... Demand kami ani supply jasti hot ahe pudhil 1-2 varshat hinjawadi around area madhe... Karan demand IT madhlya aggresive hiring mule tas zal hot...pan ata aggresive hiring corona period sarkhi shakya nahi... Ani pudhle 8-10 varsh tari tashu paristhiti yenar nahi.... So SIP is far better if you have plan to back to your hometown after retirement or leaving job
You're doing a fantastic job! I need some advice: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How can I transfer them to Binance?
Jr parents kadun dp amount milali tr seems like a plan..but as per todays IT env. i will say you should have atleast 40L in ur pocket to pay 20L of dp..
First home is always special 😍 i know depreciation value for flats but by side hustle with Mutual funds can get rid of heavy emis!! SWP will be superior in future
Ohh thnks ... Waiting for your ownership flat buying guidance series ... Pls make it fast for new ownership buyers.... Would like listen views of both you on the same.
first home is required.but investment in home is wrong. so in sip get min 15 % cagr in long term. sip is best for investment. dada i suggest you sip kara because it is very helpful in future.
Hey vikram thanks for the compliment also Hi Info First home or SIP vayar dileli ahe . Metro city madhe kay struggle asto tyavar dileli ahe .. i kne mi expert nhiy pan Daily life hustle nkkich baghat ahe . Khi gosti practically gyavya lagtat . Tya saglya gosti lakshat gheil mahiti dili ahe . SIP chhan ahe mi pan keli ahe . saglyani kara mi hech sangen . pan Mi pune madhe rahat ahe . ithli ji condition ahe ti pratek 6 mahinyala chang hot challiy . SIP ne khup khi milel but te 20 years ne kalel kiti milel n kiti nhi . Fayda saglech sangatat . Nukean sangnare khup kmi ahet . mi dogh gosti sangnyacha prayant kelay . 3rd option madhe maza tech sangnyacha prayant ahe ghar pan ani sip pan . Ha topic asa ahe yavar kitihi debate keli tar ti kmi ahe . Tri baki video aavdlya baddal tuze abhar keep watching keep supporting ❤️
My Analysis to your Flat vs SIP. 1. Rent appreciation - Max 7-8% Annually or 10% 2. The moment you talked about psychology - it completely draw you out from the financial assessment. Please do not compare psychology and finance. It is highly subjective. 3. I liked the way how you added 8k SIP for Loan repayment + some sort of profit. But you did not consider the Income of the use case. 4. Again, when you added a point about next generation inherits the assets, this is out of financial logic. It's completely sentimental aspect. Please consider these points while comparing. If had more time I would have put more points. You should study following points while comparing SIP vs Property. 1. Section 24B 2. LTCG and STCG on SIP 3. Exit Load and Expense ratio of SIP 4. Maintainance cost, PMC Taxation on property. 5. Liquidity risk of propery, LTCG on sell out. 6. Easy exit (Rent vs Owned property). Best Wishes Brother!
disclaimer- i am not financial expert.i shared information as per my own experience. please take advice from financial expert & plan accordingly
Example : 43000 Emi 50 lakh for 20 years home loan
assume
1)SIP : 43000 per month for 20 years n expected returns will be 12%
Invested amount : 1,03,20000
Est. returns: 3,26,43361
Total Value : 4,30,00000
Note : You have to pay 30% tax on sip redemption
Rent Factor : assume current rent for 70 lakh flat is 20k now n increasing 11% every year as per rules so you will going to pay around 60-70 lakhs rent
Now assume that current Flat price is 70 lakhs if we expect 3 times appreciation after 20 yeras then that flat price will be 2.10 cr in 2044
n as i said if u start 8000/ month sip for 20 years to tackle home loan interest then that amount will be 1,21,00000
So Final Calculation will be (20 years):
1)SIP return : 4.3 cr - 1.10 cr tax deduction 70 lakh rent = 2.6 cr
2)Flat price 2.10 cr + sip 1.21 cr - 30 lakh sip tax - 54 interest of home loan= 2.5 cr
Chukichi information 50L rent sathi almost 1cr plus pay karnar ani 30% chukicha ahe ithe LTCG calculate kartat jo 12.5% ahe ani there are ways to minimise it. Ajun ek flat che returns max 4-5% CAGR ahe so 2.1 cr is wrong calculation. Also buying a home is easy but to get exit from property is very difficult ani parat liquidity cha pan issue ahe na. Mi MF cha part like 50L kadhu shkto pan gharacha part nahi viku shkat. Rent 20k milto pan maintenance 2.5k property tax 1k ani baki maintenance of house kon calculate karel
he sagl on paper thik ahe pn amcha samajat porancha lagnacha vishay gambir banla ahe flat naslyamule. kontach baap ready nahi fakt mutula fund portfolio var porgi dyayla.
khp vait avastha ahe
@@abhijeettalele3443 Ispe ek alag video banana padeg calculation ke sath 😂
Aajcha video tumhi changla banvla Well done! Khup potential aahe stock market madhe.Equity ani mutual fund are designed for longterm investment.If we see the past 10 year ago 0r 20 year ago indian stock market's returns then we will know how good indian stock market give returns.Pan ek asa mla vat te ki sip & lumpsum investment stock market ani mutual fund madhe la kahi speed nahi aahe.No doubt hya stock market & mutual fund madhe longterm investment madhe khup changle return miltat pan 20,30 varshanantar miltat.
I think intraday trading madhe sudhdha changle career karta yet pan te shikun kel tar to profit aaplyala milnar aahe.Intraday trading madhe fast result miltat.I dont like option trading.Bucause option trading he trading ch product ch nahi aahe.Future he trading product aahe. Techat pan Commodity Trading madhe changal potential aahe profit ch.Thod tumhi shikun ekhada couse karun intraday trading var video banvu shakal ka ki jechatun changla profit milu shakel.Ashi ekhadi profitable strategy jar tumhi search keli tar humanity ch kiti bhal aapan karu shaku.Please intraday trading var ekhada video banva.
Sip Konti karaychi with good returns? Any suggestions .
Tax on mutual fund redemption for the long term is 12.5% and short-term 20%.
Risk factors MutualFund:
No one knows after a 20-year MF withdrawal how much the tax rate will be.
What will be the market situation after 20 years?(Other factors impact)
Risk factors for Flat:
1. Maintenance you have to pay each month
2. Relocation constraint: you cannot move to a different part of the same city or a different city.
3. Flat value appriciation is less as compared to MF (Liquidity is also less.)
Ideally, leverging both is good, as you suggested at the end.
(Those who are saying buy NA plot.) You cannot easily get an NA plot in Pune city; you have to pay a high price for an NA plot.(Not guaranteed as well) Enroachment is more in the case of NA plots.
Rent stagnant hot ahe...ulat ata down hoel karan ata real estate aati jast grow hot ahe.... Demand kami ani supply jasti hot ahe pudhil 1-2 varshat hinjawadi around area madhe... Karan demand IT madhlya aggresive hiring mule tas zal hot...pan ata aggresive hiring corona period sarkhi shakya nahi... Ani pudhle 8-10 varsh tari tashu paristhiti yenar nahi.... So SIP is far better if you have plan to back to your hometown after retirement or leaving job
You're doing a fantastic job! I need some advice: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How can I transfer them to Binance?
Dada ek complete series banav like ki flat kasa gheycha , like fraud wagre nahi hu kay kaalji ghechi payment wagre kasa
Dada tu kiti down payment bharla ?
Jr parents kadun dp amount milali tr seems like a plan..but as per todays IT env. i will say you should have atleast 40L in ur pocket to pay 20L of dp..
SIP konti karaychi ani kas karaychi, yavr video banvu shakta ka plz.
First home is always special 😍 i know depreciation value for flats but by side hustle with Mutual funds can get rid of heavy emis!! SWP will be superior in future
Very informative video👍Maz opinion changed zal video baghitlyawr😌
Welcome back after long time....proper address mahiti Nasel फक्त bldg che नाव माहिती असेल तर लेटर जाते का पोस्टाचे?
Ohh thnks ... Waiting for your ownership flat buying guidance series ...
Pls make it fast for new ownership buyers.... Would like listen views of both you on the same.
Dada khup Sundar mahiti dilit khup chan prakare samajal ashich mahiti milat raho ....❤
Very nice informative video we want more such information 👍
tumchya flat ch builder kon ahe
Better to go for NA plot then flats
Flat value won't be double.....flat rent ni gya ..NA plot valuation 4* in 20 years
Aani je influencers youtube wr crore crore bolat astat te inflation calculate nahi karat dada. Je 1 crore 20 varshanantr milnar tyach inflation calculate tr te 40 lakhs hotat only. So first priority tr real estate home ch asavi aani nantr sip karavi aas watte mala.
Very informative
Dada ek video stock market/ treding varti pn banav 🙂❤️
Background music band kara
first home is required.but investment in home is wrong. so in sip get min 15 % cagr in long term. sip is best for investment. dada i suggest you sip kara because it is very helpful in future.
Mi dogh goshti kelya ahet👍🏻
Sip return amount 2.5 cr hote tar tumhi chukun 2nd time boltana 2.5 lakh bol lat
Chukichi information, tu changle video banvtoy pan ya video pahun lok misguide hotil
Hey vikram thanks for the compliment also Hi Info First home or SIP vayar dileli ahe . Metro city madhe kay struggle asto tyavar dileli ahe .. i kne mi expert nhiy pan Daily life hustle nkkich baghat ahe . Khi gosti practically gyavya lagtat . Tya saglya gosti lakshat gheil mahiti dili ahe . SIP chhan ahe mi pan keli ahe . saglyani kara mi hech sangen . pan Mi pune madhe rahat ahe . ithli ji condition ahe ti pratek 6 mahinyala chang hot challiy . SIP ne khup khi milel but te 20 years ne kalel kiti milel n kiti nhi . Fayda saglech sangatat . Nukean sangnare khup kmi ahet . mi dogh gosti sangnyacha prayant kelay . 3rd option madhe maza tech sangnyacha prayant ahe ghar pan ani sip pan . Ha topic asa ahe yavar kitihi debate keli tar ti kmi ahe . Tri baki video aavdlya baddal tuze abhar keep watching keep supporting ❤️
Ho pahale ghar pahije
11:11🧿❤
माझे स्वतःचे 28 फ्लिट 2026 मध्ये मिळतेन रेंट मध्ये देऊ का pg मध्ये देऊ
My Analysis to your Flat vs SIP.
1. Rent appreciation - Max 7-8% Annually or 10%
2. The moment you talked about psychology - it completely draw you out from the financial assessment. Please do not compare psychology and finance. It is highly subjective.
3. I liked the way how you added 8k SIP for Loan repayment + some sort of profit. But you did not consider the Income of the use case.
4. Again, when you added a point about next generation inherits the assets, this is out of financial logic. It's completely sentimental aspect.
Please consider these points while comparing. If had more time I would have put more points.
You should study following points while comparing SIP vs Property.
1. Section 24B
2. LTCG and STCG on SIP
3. Exit Load and Expense ratio of SIP
4. Maintainance cost, PMC Taxation on property.
5. Liquidity risk of propery, LTCG on sell out.
6. Easy exit (Rent vs Owned property).
Best Wishes Brother!
Sure will consider your suggestion.. n thank you for sharing.
also consider marriage perspective. You had to do love marriage compulsary if you dont have your own home.
IT eng to finance experts 😂😂😂😂
haha ha bhai recession chal raha hai na😜😜
Karna padta hai itna paisa jo aara 😂
@itcouplevlogs 👍
Dead investment ahe flat.
very informative