Conventionally real-estate in India is considered to be a safer and a productive investment option rather than other asset classes.  But it makes sense to buy a home or a commercial shop if you are using it for living or you have a business running in your shop. Which means it should suffice the primary need of shelter.  Equity based mutual funds in terms of investment option have performed well, compared to that of real estate, over the years. Lets see this with an example. My friend's dad once bought a flat for investment purpose in the year 2007 for 21Lakhs. It was a cozy little 1-bhk flat situated in the budding areas of Pune. He met me few days back, he said that "yaar, abhi mere flat ki value 50 lakh ho gayi hai, more than double in 10 years" he said it with a smile. I said okay. :) If you look at it closely then his flat in Pune has generated just 13.8% annually. If his dad would have invested the same amount in a good balanced fund in the year 2007 the...

Your friend's investment plan may not always be perfect in achieving your financial goals. Mere copying of plans may not help. Many people usually look for short term gains from the stock market which may end up in incurring losses.  We should decide that "main bolta hoon, yeh scrip buy kar le, achha profit milega", can really fulfil our long term goal ? Discuss all the financial plans with an advisor to achieve goals. For more details contact: Samarth Holdings. Phone: +91-9561733111 Email: chouguleanup@gmail.com

There was a time when the family car lasted a lifetime. Even today you may find an Ambassador parked in the garage of an old Bawa. However, times have now changed. Cars are shown the exit door even as they are in perfect working condition. Why not buy the latest model on the block. Life after all is about consuming the best. Why wait. Why give time. And who wants an old contraption requiring constant repairing. Forget cars, these days, even people are being made to exit jobs prematurely. Look around and see for yourself and you’ll find that most new age companies’ oldest employees are under the age of 50. A perfectly healthy and employable person is being discarded like a new car is. This brings us to the risk of living as against the risk of dying. Life insurance to large extent will take care of risk of dying but what do we do to guard ourselves against the risk of living. With life span on the rise and people crossing 80 quite easily and with the exit door being sh...

He was 30. He decided to take a loan and buy a house like the rest of his friends. For the next twenty years he paid an EMI of Rs.50000.However, this EMI of his became an impediment in his investment path and because he failed to do an SIP. After 20 years, he at 50 is without a job. He lives in the same house and can’t sell it. Life has come a full circle as he stands at the crossroads of life wondering what to do. A wife, parents and two children with just a house to live and a few lakhs in the bank with a long life ahead. These are those rare moments when one wishes for a shorter life. As he stood there wondering what went wrong, he could see something very clearly. “His EMI had hurt his progress?” Had he lived in a rented house which in those days would have cost him Rs 20,000 and had he invested the balance Rs 30,000 in an SIP instead, the wealth he would have made would have been Rs 6 cr. instead of the few lakhs that he currently had. Even if he were to li...