Don't Get Fooled by Real Estate and Gold Returns | Real Estate vs Stock Market vs Gold Investments
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- čas přidán 25. 05. 2024
- You are wrong about investing in Real Estate and Gold. If you are considering Property and Gold as the best place to invest then this is the video you should definitely be watching!
#investing #realestate #stockmarket #gold #property
Video on Gold Investment
• Physical Gold vs Sover...
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Humne 20lakh ki property buy ki thi 2005 me abhi uski value 4 crore hai, it's all about luck everywhere no one can guarantee which will give best return
Truth
but can you sell it in a day? also when u sell u have to manage cash, as you will get large amount in cash.
@@msdadsfsx yes it may take 2-3 months to find buyer but it's okay and we can sell it partially or can do ploting, cash matter can manage
Very few people can hold stock for such long duration, but hassel of selling property ultimately preserves the investment.
Agreed.
Sir, though everything explained by you is correct. But instead of taking example of a person whose mother purchased gold in 2007, better consider rate of gold from 2000 to 2024 and calculate the CAGR. In 2000 rate of 24 carat gold was Rs 4400 per 10 grams while currently rate is around Rs 74000 per 10 grams. CAGR is coming around 12%.
Let's talk about real estate now, since I am from Delhi, a House costing 9 lakhs in 2000 in Delhi is costing 2 cr now in 2024 which is again giving CAGR of around 14% plus rental returns recieved from the property can make it much more than what Nifty has given. I am quite sure most tier 1 cities would have given similar returns not sure about tier 2 cities.
Even my friend invested in a plot on Yamuna Expressway in 2019 for 45 lakhs is now valued at 2 Cr in 5 years with a CAGR of 35%. So, let's not declare real estate investment inferior to equity by giving random examples.
There is no denying the fact that equity has given good returns but according to me real estate is not far behind. Better to diversify in all asset classes so that when one asset class is not performing other may hedge our investment in case money is needed urgently to avoid panic selling in losses.
Imagine using that property for residential purpose too. This would return even the acquisition cost and will basically make the plot free.
What a wonderful explanation . Your description is much better , diversifying the investment is the best plan . Real estate return are much higher then nifty
sahi kaha, share market tho down bhi hota hai aur loss ho sakta hai
Your message is very informative. Adding hidden costs will give much better idea. Maintenance, property tax, capital gain tax.
One of my uncle's property in gorakhpur appreciated by 125 times from 2 lakh to 2.5cr in 20 years. Case to case the appreciation can differ wildly.
Yes. But that hidden costs are easily taken care of by the value derived from usage of such properties. @gamesong6600
"Mera kaam hai apko samjhana aur sahi information aap tak pohchana baaki jaisa aapko sahi lage".
Much needed and appropriate dialogue. 👌🏼
हमने लोन लेकर गाजियाबाद , दिल्ली एनसीआर में एक फ्लैट खरीदा था 22 lac में year 2012 में , आज भी उसकी value 26 lac तक हुई है, अगर इतना रिलायंस इंडस्ट्रीज के शेयर खरीद लेता तो अब तक 2 करोड़ रुपए हो जाते😢😢
Bhai kaha liya tha? Ye to surprising hai ncr me aisa hai to
Mujhe bta de bhai kahan liya hai ghaziabad me?
Main 26 me khareed lunga..
@@vishaldaiyaha sahi baat hai. 26 lakh me NCR ke pas milna bhi easy nahi.
yeh to meri bhi kahaani hai 😢. ghaziabad mein liya tha .. aaj bhi loss hi hai
Wahi Jisne Bangalore Gurgaon ya Mumbai me liya hoga to aaj uske ghar ki cost 3 times bad gayi hogi. Real estate bhi stocks ko tarah hota hai, growing city me paise lagaoge tango returns ayenge.
Nahi to tum bhi “apartments ki value nahi badti” wale logo me hi aa ke reh jaoge.
in principle agree ... but real estate depends where you are buying (outskirts .. not much appreciation .. but within city .. there are very good returns) ... There are example where people made much more than equity ... ,
Agree
Appreciation depends on scope for further development, even if outskirts. Infact within city, there is no further appreciation because of no further development or rather being developed.
City ki rates aur outskirts ki rate mai bhi zammen aasaman ka anatar hota hai gyanii ek 200 gaz ka plot aveg locality mai 80-90 lakh ka aata, outskirts mai vahi 30 lakh mai aajata
I was a strong votary of Real estate. But I realized the real dangers and serious short comings associated with it. First and foremost is the threat of someone illegally occupying or selling by conniving with concerned officials and local goons acting as politicians. So go for real estate with utmost caution.
@WalterWhite-og6wj you have forgot taxation part if under loan. Also, home loan the only cheapest loan that you can take as a lumpsum to invest.
My friend bought a flat in gurgaon in 15lakh in 2003. Now its worth is over 2 crore. Plus he is earning 4 percentage rental yield from it which make his return in cagr around 18.
Cagr will be less because i am sure u missed out the expenses incurred in 19 years. Property tax, maintenance, etc et
Mere khyal sai teeno(property, gold, share/mf) mai investment hona chaiye, kyunki share market jab girne pai aata too sara profit negative mai chala jata hai. Use samay property or gold hee kaam aayenge emergency mai.
Not really. Thats only true if ur equity portfolio is relatively new lets say 3-5 years old
Waise emergency me property bhi kaam nahi ayegi, unless you're going to sell it at a distress price...
Gold bilkul kaam ayega, hamara inflation hadd se zyada ho gaya to bhi ayega, currency kitni bhi devalue ho jaye gold tab bhi kaam ayega, war ho jaye and kisi tareh country se bhagna pade to bhi kaam ayega...
Gold is God's currency for a reason!
Emergency me property kaam ayegi .. bro ur financial knowledge is naive ... most illiquid asset from three which u mentioned is property.. gold and share or mf i recommend.. property is for pro who knows about property market then u invest other wise don't invest in property
Property emergency mein kuch kaam nahi ayega...You cannot sell property overnight... kya kuch bhi bolte ho bhai .
Lgta hai naye ho market mein😂
I bought land in 2022 July for 85 lakhs, and today the market price of the same land is 1.7 Cr.... buying land at the right location and at the right time, will definitely overpower any other investments
Sir which location
@@sanjaykumar-ts2sg wave city Sector 2 Ghaziabad
@@vaibhavsingh3247 Thanks and congrats.
Thank you for sharing your analysis. Very informative👍
Practically, the common man does not keep investments in the stock market for long periods. Twenty-five years ago, 9 lakh rupees was a significant amount, and due to a lack of knowledge and financial discipline, most people would not invest such a sum in stocks, risking a total loss. Furthermore, calculations on paper do not always translate to real-life outcomes. Therefore, investing a large sum in real estate is often a better decision for a layman than investing in share market.
I did the great research about real estate in Nagpur as I also wanted to invest in real estate. Us time pe mujhe kuch baate samajh me ayi that I want to share may be I am wrong...
Real estate specially plots me unhi logon ne invest karna chaie..
1. jinke paas 2 no ka paisa hai.
2. Jinko baadme ghar banae ki icha hai.
Ita better then invest in commercial plots. Wo jaldi bikte hai. But wo bahut costly bhi hote hai.
Entry time and exit time is main thing . If u consider exit time of any black swan event then nifty is negative. Property and gold are real assets. Index performance can not guarantee in future u can check with china index
Same issue with real estate in china .. when there is not money in market boy buyer will buy ur real estate at ur asking price ... Actually they r quite linked..... Real estate price are economy driven n economy is directly linked with sensex
Why would exit during black swan? That's not the index's fault... That's just stupidity from the person's side. You ideally would invest more during the fall
Agreed. Good analysis and clear articulate explanation
simple and to the point, thank you :)
Genuinely explained which most people fail to understand it literally ❤❤
Selective pitching of Stock market, my uncle bought two small plots in gurgaon in 2000 for 8 lacs. He built ground plus two and rent it out. The other one he just built his own house. Now each of his plots are worth 2 CR each plus the rent he received. Basically he lived off is life on these two investment. And he is angootha chap. His friend bought 4 cars in 2000 and today he has 50 cars which he run for local taxi. Big No to stock market. Also whenever you compare real estate vs stock don't forget to consider rental income which is really high in metro cities.
In 1996 person bought plot in Navi Mumbai for 3 lac. Construction done in 2003 which costed 8 lac so total 11 lac. Current price is 1.6 cr min and can get upto 2 cr depens on location. Now one more twist in this, current rent of property is 40k per month so this property gives invested amount return in every 2.5 years.
But being said that it will be difficult to get this kind of return in real estate now and this investment was done when Navi Mumbai was developing and now this. property is completely in developed area. I have also seen minor or no appreciate in some property bought in around 2015 where as i have also seen appreciation like Navi Mumbai in Hinjewadi area of Pune in just 5 to 10 years. So depends where are u investing at what time.
Vey nice investment sir , as per 2006 . 3 lakhs would also be a big deal .
Excellent analysis, as always
At minute 9:00 onwards you gave very good conclusion, very mature thinking
Thanks for the helpful Information 🚩🙏🏻
Hii sir...
I watched almost all videos of your channel, my humble request you to what should I do in long-term to invest my money..... Grow, zerodha, or sbi securities or your opinion
I found it too insightful🎉🎉 thank you for sharing 🎉
Everything is absolutely correct still its very hard to convince others even sometimes ourselves not to invest in Land, Realstate / commercial properties... 😊
bro 25 years mein jo rent aaya property se aur uspr bhi invest krke jo paisa aaya.. PLEASE CONSIDER THAT TOO. Aur us property se ek bdhiya rishta mila (marriage) aur bhi bhut si cheeze need to be considered.
Keep Posting Genuine Content ❤️
Great video, stocks return the max hands down, Returns aside, real estate and gold are very very difficult to liquidate but stock market is just one button away for you to liquidate. If there’s an emergency you cannot sell part of your property like a room or bathroom and get some money out of it but it’s in stock market you can sell 10% / 20% of your portfolio and use that as an emergency in case you get into one, more than anything when you invest in the stock market, you’re investing in Bharath there is a lot of pride that goes into it and can pat yourself for Bharath’s success
Informative case study
🎉 very helpful video thank u sir
What if some took bank loan for housing plot purchase and paid monthly emi and still property price has become approx 12 or 13 times
Insightful video👍
You got a subscriber. 😊
40 lacs invested in 2018 is now 72 lacs ...+ 15000 rent per month .....
How 72 lacs + 15000 rent...? Only if you sell the property you will get 72 lacks and if you sell you will not get rent...??
I have a similar situation75 lacs property returns 25k rent every month, but the point to note is one should not go full in on real estate or any other asset class, always diversifying to minimise risk in case of recession or War
😂
Yai calculation taxation ko include nhi karta game baut rigid hai . Real estate mai black money use karka tax bachta hai . Same with gold also taxation bach jhata hai par iyai equity mai 10% ,15% toh dena hi padega woh kaun bolega. Gyaan mat do jo real life mai chala uski baat karo . Gold i think is giving huge return comapre to nifty in past 5 years
Are you encouraging the use of black money?
White money is more important bro
@@anweshamandal6058 due to high tax regime in India it's bound that who will earn more will definately find means to invest which in ur language is black money
@@samarthshukla4284sabhi language me wo black money hi hai agar cchupa ke transaction ho😌
Good video! 👌🏼
Well! Initially you opened CAGR calculator, then later why did you opened a lumpsum calculator, I didn't understand that part! 🤔
Bhai ye baatein bs youtube pe hi achi lagti hain! Ground realities are completely different. Noida me jo 3 bhk flat covid k time me 80 lacs k the aaj k time me 1.4-1.5 crore me bhi mushkil se mil rahe hain. Am talking about jal vayu vihar, Arun vihar type of societies.. laga lo ab hisaab! Mera stock market me XIRR 18.9% hai from 2019. But real estate ka jo boom hai wo alag hi hai bhai..khaaskar covid k baad.. it also depends on the place you've invested in
Flats are not investments. People who have too much liquid cash or black money prefer flats. Try individual house or plots in tier 3 growing cities, which will become tier 2 and then tier 1 in 25 years.
Bhai 2012 se return check karo. 2012 se 2020 tak Noida mein zero return diya property ne
I recently finished the first phase of The5ers, and I solely traded gold.
Real estate me jitna paisa one time de sakte hai utna share market me nahi karta koi...
#fear...
Loan leke dete hai
That’s the only fact why real estate attracts more money
@@VivekMehndi indian equity market aur indian real estate ke value dekh phele Indian equity 5 trillion aur indian real estate 1.5 trillion pe Hai value ab bata
@@VivekMehndirail Vikas Nigam PSU share usme 4 lakh ka investment almost 22 lakh ho gya within 1 year
You are absolutely right now properly always gives you low risk and tension free returns
My question is index fund future me bhi itne hi returns de paaegi ki real estate returns koaagey bhi beat kar sake
Alongwith CAGR, also consider liquidity factor. Things like real estate n houses are not very easy to convert into liquid cash especially during times of urgent need of money for any energency. It takes time to find buyers, complete formalities. Someone might say one can take loan against it but that again involves paperwork n a process which can delay the incoming cash.
Always ALWAYS have money invested which can be converted into liquid money easily (fixed deposits, debt funds, mutual funds etc which can be redeemed within 2 days). Invest only your extra money in good real estate and that too only after proper market survey.
One should diversify his/her investment in different asset classes Doing all investments in liquid funds is the worst thing. In case of emergency one should use emergency funds and not their entire investments. The investments which are not liquid force you to invest for a longer period to take benfit of compounding that is the reason government has created EPF scheme so that forcefully some fund of the salary is allocated which people can't easily withdraw to build retirement corpus. Liquid funds (mutual funds, FDs etc) which people may easily withdraw whenever they need it which kills the compunding factor. Diversification of funds in different asset classes is a key.
Great video! Which Mutual fund would you recommend to be able to invest in Nifty50?
आज आपका 1st वीडियो देखा..... और subscribe किया...... Great man
Maine bhi
Which is the best NIFTY 50 MF if we have to start now ?
Mere papa ne harshal Mehta Wale time pe 10000 invest kiye the share main unko 5500 ka loss hua tha uske baad unhone kabhi shares main invest hi nahi kiya 2007 main ek plot liya 3.5lakhs main Aaj uski kimat 55 lakh hai maine mutual funds main bhi 4 saal phele 1lakh Dale thee Aaj 1.5 lakh hua hua wo plus gold main 25k dala tha wo bhi 32k ho gaya hai meri mausaji ne meerut main 2003 main 2lakh ka plot liya tha Aaj uski kimat 2 crore hai to ab bolo kya Kiya Jaye
You are absolutely right.
You totally left out the rental income from the real estate. That will be atleast 4%. So its coming aroud - 13%. And one can reinvest that 4% rental income in stocks to increase its value more.
True
Gold rates in 2007 - 10800 per 10 gram
Gold in 2024 - 74000 per 10 gram
So 27000 of investment will be minimum 1.6-1.7 lakhs if i cut making charges of 15%
So now show the right cagr .
15% making charges on 1.5 laks or 1.5 lakh is the amount after deduction of making charges
Real estate investment also gives you rental income month on month which is not calculated here
That can be adjusted with hidden costs of owning.
Truee😅
Gold rate in 2007 was around 9.5k per 10 gm for 22 carat, so we would get 26.3 gm which would then give us with today’s rate 1.71 lacs so returns are the same
And and it’s very to liquidate or pledge it for gold loan and use the amount for further investments
Good information thanks sir
Nice information🎉
Real estate k % returns kam hain on an average but portfolio mein uski apni jagah coz amount invested jyada hota h due to cheap leverage/bank loans. Aap bank loan leke stocks mein toh invest ni karoge na in general.
Physical gold ko aap consume bhi toh kar rahe ho while it hedges against inflation. Toh uski bhi apni value h.
@@WalterWhite-og6wjkyunki unki income kam hai.
@@WalterWhite-og6wj yes brother BHT hi minority Hai jisne real-estate mein invested reh kr rich bana hai
Very helpful video for knowledge regarding investing..
I want to invest 1 lakh, which nifty index fund should i buy..? Can i also buy a flexi cap mutual fund, for ex - Kotak flexicap fund..?
You can invest in Nippon India index fund - nifty 50 plan and for flexi you can invest in Parag Parikh Flexi cap. Parag is one of my fav mf of all time. Majority of people investing since last 5-7 years or more will agree. Apart from mf, you can consider etf too. They are like mf but will very low expense ratio so long run you will not pay or will pay very low expense ratio on your gains. This all matters when after investing for 10-20 years you have huge gain and you see AMC jas taken a lot of expenses on an yearly basis to manage your money. Investing since 2020 and learning along the way. 🙏
Sir, India with Population of 140 Cr. We have overtaken China last year which means Housing demand will always be there as Roti, Kapda aur Makaan is basic necessity. Which means Real Estate land for construction on long run will be always there as new population will live in Rental or construct house or apartment.
Fundamentally in long run of > 20 years shall give return . Demand and Supply GAP will remain either in Metro or Smaller cities.
China land is getting urbanised through Roads / Highways and Apartments. So land will remain scarce as people cannot live in AIR. Effect of gravity - मनुष्य को ज़मीन पर ही लाएगी
You are a Genuine Financial Influencer ✅
Nifty ke liye Demat account me paise rakhne padte hai which means indirectly usko bank me rakhne padenge. Aur RBI sirf 5-10 lakh ki guarantee leta hai. To agar koi Bank fraud karke band ho gai (adani paisa leke bhaag gaya) tab kaha jayenge? Real estate ya Gold hoga to paisa bach jayega
No point of comparing stock market to Real state. No one has the gut to invest all his/her money in stock bt in real state people easily invest all his/her money. So actual amount of return will always be greater in real state.
What you see is builder's selling price, when you try to liquidate it's completely different story. Try it.
my mother purchase 100 share of Saraswat corporative bank for value of around 5k rupee on 1997 , but we have it in paper format and dont know the exact current value of stock. and i dont know the current value of it. please help on that.
First view & like.
Great video.
How about buying apartment for getting rent or sell it later Plss tell me these topic
Ghar Lena sahi hai ya rent PE Lena sahi hai, please create vedio on this topic.
If you invest in mutual fund what about the charges and tax pls mention that also. Expness ratio of AMC and LTG Tax
Still better than Gold or real estate
Explained well bro..
Sir may student hu.... sbi psu direct plan may 1 lakh ka lumpaump karna sahta hu 1 year key liya....is mutual fund may 90% return dikha raha hey.......1 year key bad return accha mila to nikkal lunga .barna rehney dunga.......mera idea sahi hey kiya...
But then there are many people who have lost money too..and thats the reason why many fear investing in markets. And believe there should be fixed investment too
The people who do fno thats basically gambling
Hi sir, I did investment in MF and IF through blue chip agent, Is there any problem in this investment or I should do investment through any app only like grow app or angel one
Check expense ratio of your agent and check expense ratio of similar MF in groww … you should know then
I subscribed and I liked this video as this was an eye opening video for me, thank you
Great analysis. I have suscribed ✌️
great info
Real estate Rocks 👌👌👌 6.5 Lakhs in 2008 Now 50 lakhs in 2024 plus (monthly rent saved from 2k in 2008 to 9k in 2024) CAGR 16%
Sir, Please btaye agar maine fd kri hai 2 saal ki usmai 7 percent return milta hai or 2 saal k mutual fund sip pr XIRR 7 percent hai.. Toh kya dono same mana jayega as per growth? Please help please🙏🙏🙏🙏.. Aur kitna XIRR accha mana jata hai? Jaise cagr mai hum bolte hai 12 ya 13 percent bhi accha hai..
Anything more than 12, if it's 15 good, more than 15 too good
SBI mutual fund ka nya NFO aaya he uske upr detail video bnao, SBI AUTOMOTIVE FUND
Stock market is risky.
My friend's parents put their hard earned money in stock market for their son's abroad education.
In mid 2020 they were supposed to withdraw it after 5 years of investment.
The returns couldn't beat fixed deposit returns.
😮😮 If those people couldn't make money from investment during pandemic then God knows where the heck did they invest because literally every stock has given a huge run up since then, I myself has made 100% return by investing last year....they should have just put the money in mutual funds as even they have given at least 20% return.
You are the best
Nifti50 last 17year ka cagr kitna he
This channel is going to grow exponentially...
I prefer diversity in my portfolio. Past performance is not future guaranty.
Ur vides r always amazing❤🎉.
Please make a video on
Nifty fifty, next 50,nifty 100,nifty 250..etc which is better till now and in future🔮. With comparison. 🎉❤thank you
Already created
Make video on momentum index fund.(Nifty200 momentum 50 index fund. Nifty midcap150 momentum 50 index fund.
Hi , please help me to understand how rental income will work . we are planning to construct house with. rental units too. investing 50 lakhs for 2 flats . please advice if we get rent 50, 000 per month is it a good investment or not
I wouldn't do that given rental yields would be very low considering the factors like vacancy rate and operating/maintenance expenses. Instead I would invest in ETF's and gold/SBG scheme. Gold because it is highly liquid.
Mera portfolio total 18000 Rs ka hai:
Icici pru bluechip: 2500
Uti nifty 200 momentum 30 index: 1500
Quant large and midcap: 2500
Motilal oswal midcap: 2500
Kotak emerging midcap: 2000
Parag parikh flexicap: 2500
Nippon smallcap: 2500
Tata smallcap: 2000
Aur market cap allocation
Large cap 55.33%
Midcap 30.36%
Small cap 14.31%
Show kr rha hai... Small cap me maine total 4500 invest kiya hai jo ki total 18000 ka 25% hai aur flexicap ka bhi kuch portion small cap hota hai fir market cap mein small cap sirf 14.31% kyo show kr rha hai.. Please ise smjahaiye🙏🙏
Return batao...
Sir yea real estate depends krta h location .
5 lakh ka Jamin 2002 mai purchase hua h or av 2.5cr value h
Real estate me 03 things dekhni hoti hain wo hain location, location aur location, tabhi returns achhe ho sakte hain, iske alawa Nifty 50 ho ya Sensex wo real estate se behtar investment options hain, isme kisi ko koi confusion nhi rahna chahiye
25k ka necklace 2007 mei tha, aur aaj ke time pe value 70k hai.. 10k per 10gm thi 2007 mei aur 2024 mei 74k hai... 7 times... Aur aapkei friend ka necklace sirf 2.5 times badhaa.. Making charges mei kitna hi amount chalaa gaya hooga sir.. Plz clarify.
sir ek video teenagers invest kaise kre ispar video banayi as a teenager age 19 how much should i invest in mutual funds whats the amount i should choose for mutual funds should i also go for real estate like make a video on investing strategy for teenagers
Video on momentum funds..plz
Jab country mai instability ati hai baki financial assets and properties ka value nahi rehta hai sirf gold ki value rehjati hai to gold bhi hona chaiea as investment in coins or biscuits for diversification
Well all are assests , as per data stocks have grown good, so gold works as the hegding, real state is same way but involves a other kinds of risks, stocks offers a growth over yiur portfolio, but also matters whennyou have invested, just one 40 % correction 75% new investor would be out thats what happend with lot of people in 2008 and 2020 march crisis..assume market remains slugish remails same level.for 3 to 4 years ..all people who are doing sips would not have patience..hence diversification is a keey..
Great video
We kept our ancestral land on road, while my uncle sold it for 3.14 cr, while our property is now at 6.75 cr just after 3 years.
Aapke Dost plot pe Rent tab kya ata thaa or ab kya ata hai
Sir thank you very much
There is no way gold worth 25K from 2007 is worth 70K in 2024. Please verify the fact
What if he has constructed an flat and earning rental yield on that property??
The assumptions taken on Real Estate are false. If i talk about Gurgaon where i live.. The property of 9 lakh would be 200 yards considering rate prevailing in 2000 was 4-5k per yard in Huda sector. Today the rate is hovering around 2 lakhs per yard. Means 9 lakh in 2000 is now worth 4 crores if invested in real estate.
Sir best small cap mutual fund 15 to 20 years ke liye batao
I can’t wear stocks or live inside them. I hope this is clear
What about rental income in those 20 years? At the pace the rentals have grown up in last 20 years is just phenomenal.