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Great partnership in shutting down Daiwa Capital Markets INDIA

Great insights

His strategy nowadays is not working at all

In my family, including my ancestors, money is managed by woman, they actually do investment. Men just earn and give it to woman. If I am correct this is common for most of house hold in india.

His returns cant even beat nifty50....all gyan....see his funds performance on sebi monthly pms report and you will know what great returns he has given to his investors over 5 year period....thanks to sebi monthly pms report that we can check credibility of pms managers - else they can take you for a ride with their big talk - badi batein!

## Analysis of Mumbai Property Prices (January 2025 Data) The provided data paints a picture of a potentially overheated Mumbai real estate market: **High Prices Relative to Income:** * **Price to Income Ratio (28.44):** This indicates that the average apartment price is nearly 29 times the average annual net income. This is extremely high, suggesting properties are significantly unaffordable for the average resident. * **Mortgage as Percentage of Income (306.84%):** This implies that monthly mortgage payments would consume over three times the average net monthly salary. This is practically impossible for most people, indicating heavy reliance on family wealth, multiple incomes, or substantial down payments. * **Loan Affordability Index (0.33):** A low index reinforces the unaffordability, suggesting limited access to financing for the average person. **High Rental Yields (But Context is Key):** * **Gross Rental Yield (City Centre: 2.60%, Outside of Centre: 2.81%):** While these yields might appear low compared to other investment classes, they should be viewed in the context of India's overall economic and real estate landscape. Factors like high inflation and long-term capital appreciation expectations can make these yields attractive to certain investors. **Potential Overvaluation:** * **Price to Rent Ratios (City Centre: 38.52, Outside of Centre: 35.64):** These high ratios suggest that buying is significantly more expensive than renting. While cultural factors in India favor ownership, such high ratios can be a sign of a price bubble. ## Forecasting Future Prices & Potential Crash Predicting real estate crashes is notoriously difficult, but several factors need consideration for Mumbai: **Factors Favoring Price Growth:** * **Strong GDP Growth (7.24%):** Continued economic expansion can fuel demand for housing. * **Population Growth (0.70%):** Although not extremely high, population growth adds to housing demand. * **Redevelopment Projects (70,000 CHS):** While potentially increasing supply, redevelopment often leads to higher-priced, more modern units, not necessarily a significant increase in affordable housing. This can actually drive up average prices. * **Inflation:** High inflation can push up asset prices, including real estate. **Factors Suggesting a Potential Correction/Crash:** * **Extreme Unaffordability:** The current price-to-income and mortgage-to-income ratios are unsustainable in the long run. A correction is likely if incomes don't rise significantly. * **Interest Rate Hikes:** The current mortgage interest rate (8.99%) is already high. Further increases could make borrowing even more difficult and trigger a slowdown or price decline. * **Increased Supply (Eventually):** The 70,000 CHS redevelopments *will* eventually add to supply. The question is whether this new supply will match the demand profile (e.g., affordable housing). If it creates an oversupply, especially in specific segments, prices could fall. * **Economic Slowdown:** A global or national economic downturn could significantly impact demand and lead to a price correction. **When Could a Crash Occur?** Pinpointing a timeline is impossible. However, a crash or significant correction becomes more likely if one or more of the negative factors materialize: a sustained period of high-interest rates, a major economic downturn, or a significant oversupply of housing relative to demand. **70,000 CHS Redevelopment Impact:** The redevelopment projects will likely take many years, even a decade or more, to complete. The initial phase may even exacerbate the affordability issue by driving up average prices. However, as more units come online, the increased supply *could* eventually put downward pressure on prices, especially if demand weakens due to other factors. This won't be an immediate effect. **Conclusion:** The Mumbai real estate market exhibits signs of being overheated and potentially vulnerable to a correction. While factors like GDP growth and redevelopment projects support continued price increases in the short term, the extreme unaffordability and potential for increased supply in the long term pose significant risks. Monitoring interest rates, economic growth, and the pace and nature of new housing supply will be crucial for assessing the future direction of Mumbai property prices. It's advisable to exercise extreme caution in this market.

HDFC NPS is giving less returns compared to other. Don't know why they are not showing interest to increase the retruns

Mr Iyer is hard selling NPS here. Elephant in the room is the 40% annuity. Expected a honest opinion on it.

Hi sir, please put some timelines in the overall video. Great knowledge

Sorry I am still confused. What is the impact of interest rates on my debt mutual funds returns??

Aya faltu story teller Aur ek ko bhi sath laya Relaxo Amrutanjan😅😅😅

Congratulations saurabh sir 🎉🎉 U r a longterm believer & deliver ...u will slam all bastereds which are barking due to down 1 -2 years .....soon u will take powerplay and deliver 300+ in 50 overs

I can't locate the list of 50 Gigs on the link provided. Called up their office but they have no clue. Pls assist. Many thanks

I wish such knowledge translate in to return for his clients

Saurabh ,I have read most of your books specially the Behold the Leviathan 3 times and each time I read I feel, I am reading for the first time because it talks about growth of India and I follow you in terms of my investment is concerned , Congratulations on your book. Please keep giving more examples of your travel to interior of India and give us the opportunity to learn from you. Thank you Anupam for this Podcast

Brother' you very subtlety you made fund of "kya lagta hai". But when you meet your guest next time please ask your guest to check the fever of "coffee waale shares".

If this was 2018, it would be already 99000 likes😂

All this gyaan would be great only if wasnt for poor investment ability and execution track record, and a very parochial approach, dismissing every other Fund mgr approach or ability.. An extremely arrogant fund mgr too.

Great insights

Fountain head was the book recommended

Problem is everyone thinks the withdrawal remains constant.....it goes down dramatically post 75.

hindi mei bhi banaye

Being an Indian speaking in English. Thus disliked

We still have Batata wada,

NPS is actually good but only thing is if a person want to become financially free earlier then only choice is MF and to start the investment at early age.

Same here

Oooh that was so Nostalgic.... travelling by khandala ghat to Mumbai! I remember seeing 'the Kapoors' eating vada at 'Ramakant' with no qualms of paparazzi following them😊

All should shift to vada .. rather than vada pav.

Great discussions

some random search will give you gold..nice podcast

By far what I see in my NPS fund, HDFC Fund has provided highest return among other funds managers.

Correct !! But Wadapav makes a great on the go meal ! Your fingers become oily if you hold the wada directly! Also the hot hot fried Wada is difficult to hold ! Pav makes your fingers less oily , less messy and you don’t have to hold a hot hot Wada in tension ! The paav solves all these problems, plus you can eat as you drive 😂😂😂🎉🎉🙏🙏❤️💛🧡💙💚💜💕💕

AVOID ULIP's and Fixed Income plans(max 6% returns per annum), better alternatives are available. (Mutualfunds+Term insurance) instead of ULIP's and debt funds or hybrid funds instead of fixed income plans. I don't understand how can they sell these ghatiya products to anyone, sharam maar ke sab khaa chuke hain ye log. They give 35-40% commission to the agents to sell these products, 35% agent le jayega to growth kahan hoga paise ka and on top of that, agar policy ko poora nahi kiya to 6% bhi nahi milta, SHAMEFUL. Anupam sir, I am a huge fan of yours, PLEASE AVOID inviting these type of agents 🙏

Business cycles are shorter and liquidity does not make Indian market as volatile as old days; also there are other strategies to manage predictable cash flow in short / mid term.

If you consult these advisors, you will lose sleep 😊

Good sensible discussion. Keep it up

That moving from Teir 2 to Teir 1 is great option tax free - didnt know about this

The list of 50 gigs starts after 20:00 😢 Too early a comment The list was never discussed nor available in the link😢

Angreji, not substance, hurts ears

All birla funds are doing poorly

How will diamond price increase when it's manufacturable? Price will drop for both types till manufacturing cost of lab grown + profits reach a point where new entrants find it unprofitable. Incorrect information by guest. Seems trying to lead viewers. In a yellow gold setting you don't need pure white yellow is fine too. GHI colour. Lab vs natural is 5-10x difference I see. Lab growns can be made to be FL or IFL. Not found typically such flawless in natural. Natural have nitrogen impurities which can be detected by a uv spectrometer. Not possible to find out by eye piece. Both will show same view. Only lab growns are more defective free

Deepak, your journey from podcasting to penning this profound book is inspiring. The evolution from exploring others’ perspectives to crafting your own unique narrative resonates deeply. Your metaphor of ‘a torchlight versus a nottar’ perfectly captures the need for clarity in navigating life’s complexities. The way you address midlife challenges and the multidimensionality of potential strikes a chord-especially in a world where balancing roles feels like steering a ship in turbulent waters. Thank you for giving language to these nuanced aspects of human potential.

How buying 4 different midcap fund will give bad return than investing in a single midcap fund? Bekar banda hai

Very skeptical guy.. From recording of this video small cap midcap has given 30℅ return..

When you move from Tier 2 to Tier 1 you have to pay tax at your marginal tax rate because it is considered withdrawl. There is no free lunch here.

After using Ravis calcuator, I am happy to announce that I will be finally retiring on my last day of life. So happy.

Shriram Iyyerji: Just answer this one question for benefit of investors If on the day of retirement & nps withdrawal at 60 years the market crash by 15 to 20 % say as 6 th or 7 th incidence then what options does investor have A) No option but to withdraw at negative returns B) Can wiat markets to recover

Very nice information

Anupam ji thanks for bringing such experienced & insightful guests unlike the noisy, clickbait finfluencers 👍🏾

Eye opening video. Please make more such content. A complete reality check.