Interest free home loan repayment trick with mutual funds SIP and SWP

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Interest free home loan repayment trick with mutual funds SIP and SWP
How to Make Your Home Loan Interest Free, watch this video to understand the dual strategy of investing and paying the home loan EMI with the help of mutual fund swp and sip
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Bhaven, CFP is the founder of The Art of Wealth Building, a financial planning firm that helps professionals make mindful decisions with their money and strategically use their incomes to achieve financial freedom.
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[@TheArtOfWealthBuilding]

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[@kamit586]

Sequence of returns may totally screwup your calculations. You cannot go with just the happy scenario while planning for the biggest monetory decision in your life.

[@chiragmicenic1766]

Very interesting... Learned somthing new today...🤘 Thank you Bhavenbhai👍

[@dwarikaprasadmalviya4393]

Thanks for the valuable suggestions

[@anandkumar4872]

Very informative and useful video sir
Thank you sir

[@prashantprem6409]

Thank you!!

[@IraAggarwal]

thanks Bhaven. But can you please suggest something for construction linked payments - any schemes to save money in that payment process - not even any saving on tax?

[@wasimkhan6288]

Thank you. It useful

[@rajeshsamant4884]

Good one. Thanks 🙏

[@HemantYadav-co5oo]

The calculations looks good on papers, in reality it has to be clubbed with a lot of ups and downs and additional expenses, inflation and other variable factors beyond one's control. Also, the amount you mentioned (~2 cr) in 2048 would be as good as 50-60 lakhs today so the person may have built a home but still stand at the same wealth stage after so many years

[@RK-wf7re]

True

[@GauravKumar-fd5uc]

Thank You Sir

[@sainiashish25]

Thanks you Bhaven 🙂

[@Rohitman1899]

What about long term capital gains tax of 10% on SWP? Nobody is talking about this

[@irshadahmed4449]

Thank you 🙏

[@MrGaneshkini23]

Good information. Thanks

[@gopalraj5931]

Thankyou so much sir

[@user-yz2mp2ul9h]

Very good information. Thank you

[@praveenkumarkoshal8467]

But if I taken out the additional money from my investment corpus, and stop sip, this way 21000 monthly sip and 23000 from investment, this way i won't get any tax, from withdrawal, and my corpus will be always there
Why we are creating so much extra calculation and doing same work

[@anupamhajra]

Thank you ❤

[@siddharthsharma1062]

Thank you 👍

[@AvdheshKumar-mz1ee]

Thnq you sir😊

[@dushyantagarkar9608]

Thank you

[@eggyolk2519]

Very Useful!
Please help - : I have a folio of 1.5 cr plus. All in Equity. 70% in index funds (Nifty 50 and Next 50). Both funds are from the same fund house, happens to be UTI.
Should I choose a different fund house for my further investment to de-risk the fund house concentration? OR it doesn't matter?

[@PawanKumar-sj7du]

Very nice information 🎉🎉🎉

[@shitaldarbar3381]

Very useful 👍

[@vikrant_ramani]

Very good knowledge

[@sarojmundada1751]

Can we use your staterge with help of gulak app which is giving 14% to 16% as a gold give us 11% and the app is giving 4 to 5% extra so please tell us if i aply you're planning it is good or not it will work or not

[@RoopakMohanty]

Nice explanation

[@akshayvengal4628]

Please make a video on managing marriage expenses and how to stay within budget.

[@harishlohar3987]

Thanks :)

[@pralhaddasarwad3163]

Seriously this is very smart thinking for investment idea. Thanks

[@praveenkumarkoshal8467]

But if I taken out the additional money from my investment corpus, and stop sip, this way 21000 monthly sip and 23000 from investment, this way i won't get any tax, from withdrawal, and my corpus will be always there
Why we are creating so much extra calculation and doing same work

[@vishalgpt55]

Correct me if i am wrong but i believe we cannot do SIP and SWP parallelly in the same fund.

[@lokeshhk4924]

SWP to pay loan emi should start from year 2030 as per your excel sheet formula calculation and not from 2029 as you have mentioned. Only then the calculations will work

[@tulsilalit6955]

Thank you sir

[@biswanathroy4520]

Please make a play list of all the related videos

[@aapkaapnapulkitmathur6999]

Ok vv thanks but aap ye bhi bataye ki konse fund me invest kare fund name bhi bataye

[@debanjandey8876]

Thanks😊😊

[@sandeshwadkar2497]

hey @TheArtOfWealthBuilding I started watching your videos few weeks before, Now I am your huge fan. I just want to know, can we get that macro excel which you have explained us in this video.

[@Mister.Doodler]

Thankyou

[@RAJESHKUMAR-zz2nx]

Thanks

[@johnsonb.j735]

Thnks

[@VinodYadav-xj4co]

Nice information

[@teamsevenfifa]

Sir ye excel sheet mil sakta hai kya?

[@SarangDev]

There is a term called "Down Payment", If you go to any big city, not just the metro, in today's scenario, 2 BHK costs a minimum of 80 lakh. A 20% down payment is standard; a 16-lakh down payment is needed today. Think carefully when you talk about a 50-lakh loan in 2029 without considering a downpayment.

[@maheshisurs]

thank you

[@maheshrane648]

Good information

[@praveenk826]

Thank u

[@mbgaming8625]

Thanks sir

[@niranjankulkarni7040]

Thanks for sharing this strategy and I must say it is worth considering, however I just wanted to know how did you arrive on Rs. 17000 SIP amount?

[@keepcalm5286]

What about the exit load, taxes?

[@ameerahmed6723]

What is ITR in this swp situation?

[@vinayakjain7646]

Sip amount kaise decide kra aapne?

[@wasimkhan6288]

Nice info

[@amit5036ma]

But returns are not always consistent, I think also show when returns are below 11% or any negative year returns

[@shravandach9360]

How do you accumulate the initial down payment ?

[@21lasith]

can you please give this sheet as an example downloadable file, we will modified it as per our investment values

[@AliRaza-ww8tn]

Can u make a similar video for car loan?

[@lazygardnersorchidchannel0303]

Can we do sip and swp from the same fund at the same time?

[@vaibhavhurpade3967]

same question

[@tsgaming1m124]

Sir,
I want to take housing loan of 25 lacs for 20 years and wish to invest in mutual fund & having aim to repay loan from SWP. Whether I will be profit or not ? Please suggest.

[@murugeshanand9166]

First to comment....

[@subhsworld5603]

Learned something new today… it’s something interesting

[@sumanbiswas8760]

Sir can I do sip and swp in the same fund and at the same time ?

[@blu-5500]

U can do it but it's a dumb idea. 😂

[@dhirendrakhandve3565]

great

[@sandeepdharod3641]

Nice

[@chiranjibmohapatra540]

Truth is 2029 me he had to more loan than what is shown in example. Because basic 2bhk might cost 2 cr at that timr

[@Fun_is_everything777]

👌👌👌

[@JAYTHAKURRAJIM2345]

❤❤❤

[@prajwalshetty2047]

❤

[@user-jx2vt4ho6p]

Withdrawal tax is not considered.

[@TheArtOfWealthBuilding]

Normally returns are 12-14 % so consider 11% post tax
Thank you

[@musicformeditation9544]

Worst idea. What about LTCG

[@mdshahjahan2490]

Shere Excel sheet pls

[@bikashdas-be9vz]

If covid type of situation arise during loan repayment calculation will be totally screwed up

[@cakbhalotia]

Some things look so good in theory but can be a blunder when implemented. This is one such thing.

[@devanshtiwari9305]

What about down payment

[@jitendrapatil4544]

It's almost 10% of the property, and registration fees as well

[@akshaykumaraggarwal5367]

Please correct me if I am wrong. In the first year of loan, returns were Rs. 15,18,570 and EMI was 44,986. Annual EMI amount = 44,986*12= 5,39,832. So balance should be 15,18,570 - 5,39,832 = 9,78,738. How its coming to 11,21,190?

[@lokeshhk4924]

swp should start from 2030 as per the excel not from 2029 then the calculations will work good

[@sujitsoni7026]

Please share google sheet if you have made , so I tried but end up in same situation calculation is not matching

[@Rockingudaya]

This calculation is not correct

[@kapilsharma-jj9gt]

Itni logo ki salery bhi nhi hoti ...jitni amount bta rhe h ....khayege kya nichode ga kya😅😅

[@shaziashaikh5781]

Swp karne ka paisa hpga too vo paise ghar me laga denge.. home loan kyu lenge

[@Ajayhanand]

Aap logon ko to savings account kholna bhi haram hai kitaab me ...parhein kitaab ko ..

[@shaziashaikh5781]

@@Ajayhanand sahi bola. Hum logo ko interest free life bola hai.. ye video ka title me bhi interest free bola hai isliye dekha.
Par stock market investment is not haram for your info

[@user-yz2mp2ul9h]

​@@AjayhanandAbe tujhey kya khujli hai doosron ke mamle me dakhal dene ki, tu tere baare me soch

[@Ajayhanand]

@@user-yz2mp2ul9h Bhai Market to common hai aur in last gon ne phir halala index kyun banaya agar allowed hi nahi hai ...aur market ke mamale me dakhal kyun ?

[@Ajayhanand]

@@shaziashaikh5781 to bank account ke bina kaise hoga kaam ? Dividend ko mana kar dete ho ?

[@PaAkhil2k21]

Is video ko 1.75x speed par dekh sakte hai...itna stretch karke bol raha ye banda 🙄

[@parmeetsinghnarang4437]

And raj down payment ka paisa apne papa se leke aayega.
And raj long term capital gain bhi nahi pay karega.

[@suvarna-mahajan]

WHO Watch at 1.25X speed😁

[@satayugayen4226]

1.75x for this video😅

[@pankajkashyap1244]

Hahaha 6% se increase kroge to pesa to bdega hi kyoki 9% se lone 12month me 4.5 hi interest lgat h iska matlab 1.5% ka fayda to chutiya Kan bnao isse acha h 20 yr bad hi ghar le lo

[@affiliatemarketing9347]

Galat data he ... totally

[@ashwinnakum-ob5tv]

Tum galat ho

[@krishnbhakti8]

Voice of Rahul Gandhi 😅
Not mind

[@shrinidhig3672]

how did you arrive at the "balance value" column values ? [ Investment returns - (SWP per month * 12 ) ] is showing much lesser than 11.21L !

[@lokeshhk4924]

swp should start from 2030 not from 2029 as shown in the video

[@kashyapgoswami4132]

Where can i get this excel sheet

[@ajaysinhn.solanki4566]

Fund ka name??

[@9850215809]

Thanks bhavin

[@ravikr6784]

Thank you

[@rajeshKumar-kb8ei]

Thanks

[@parthapbiswas]

Thank u

[@mahendrasonawane1665]

Thank you

[@DeepakSahu-up7ze]

Thank you

[@mohammadrafi274]

Thank you

[@user-rt6nr6kr8y]

Thank you

[@shubhamvaidya2004]

Thank you

[@rakeshgohil708]

Thank you

[@Nilesh_Bavalwa]

Thank you

[@Devasingh111]

Thank you

[@SandeepKumar-ku2zx]

Thank you