I’ve been investing in real estate differently for a while now and it’s really paying off. I usually co-own a property by buying its stock, For example if there’s a property of $50M i can get to invest $500k, as the property keeps appreciating, I also keep getting my dividends on the amount i invested, as the property appreciates, my money also appreciates.
This is becoming a more popular and safe way to invest in real estate, especially online and for foreigners who want invest in US or foreign properties
@Jamshed khan Hey, I invested largely on stockmarket last year, tried some index but my experience doesn't pay me. I have lost so much trading by myself Please is there any handle or link can get to her..
STARTING EARLY IS THE BEST WAY OF GETTING AHEAD TO BUILT WEALTH, INVESTMENT REMAINS THE PRIORITY, THE STOCK MARKET HAS PLENTY OPPORTUNITIES TO EARN A DECENT PAYOUT, WITH THE RIGHT SKILLS AND PROPER UNDERSTANDING OF HOW THE MARKET WORKS.
Great video. Recently started investing in real estate but I'm interested in making short term profits. I don't think that's a yes in real estate, let's say turn a $150k to $500k in 6months. I will appreciate tips on how and what stock to buy to make profit
I wanna say something to you i hate excel sheet till date. but now after watching soo many videos of you. now, i understand it is important aspect to understand these stuffs. thank you for explaining is such a lovely way. Thanks again ankur.
NICE VIDEO👏; EVERYONE NEEDS MORE THAN THEIR BASIC SALARY TO BE FINANCIALLY SECURED, I ADVISE, THE BEST THING TO DO WITH YOUR MONEY IS TO INVEST, MONEY LEFT IN SAVINGS ALWAYS END UP USED WITH NO RETURNS,
I reached my goal of $500k yearly trade earnings, with the help and guidance of Expert Smith Jackson. Setting realistic goals is an essential part of trading
I'm currently living with my parents and I disturb them all day by telling what I read everyday . I think unknowingly it is a great way to remember what you read. And now I’m currently about 80% through "Playbook to Millions by Grant Cardone. I have read a lot of entrepreneurial books and self improvement books, and this book is my absolute favorite. This book is extraordinary and really gets you to work extremely hard toward your goals in life and succeed at multiple different areas like personal finance, real estate, business and career. This is an absolute must buy if you need a push to get you going in business or you want more out of life.
@Harsh, this sounds fantastic to know until you know the rate of return is approx 21% (excluding various taxes, etc). The bluechip stocks or good mutual funds have yielded more return than it over the same period.
@@neelamshah1128 the value of land is 93 crore plus rental income for those 20 years would be 100x better than mutual funds , I started a sip in 2000 the lumpsump amount till date is 2 crore the returns after inflation is 6 crore which is three times my initial value on the other hand i bought a land for 3 crore in tourist area and now with railway and 4 lane there the value is 25 crore plus rental income which i have earned till now is 1 crore inflation adjusted so if you have a lump sum amount always real estate is the best thing but if you are a salaried employee then mutual funds are your go to go
When it comes to investment, diversification is key. That is why I have my interests set on key sectors based on performance and projected growth. They range from the EV sector, renewable energy, Tech and Health.
The market is so volatile now to be depending on bull run to make profit,I advice everyone to trade now with a working program with like that of Kathy Genelle Britton so far she is helping me find investment that has significant growth potential.
When some people think of successful stock traders, they think of multimillionaires lounging in a beach town, making trades and relaxing. That reality is rare, and stock trading isn't as easy or lucrative as it might seem from the outside. Despite challenges, some people elect to stock trade as a part-time job, or they take on stock trading as their full-time gig. If you know your stuff and follow a strategy, you can make money over time through stock trades by adopting the signal of a licence broker
Intrigued to know what approach kathy applies, as I’ve come across her appraisals severally on youtube.searched, found her on the web and Left a message, I hope she can help me
I’ll take investments in stock any day they’re very remunerative only problem I’m having is I really don’t know how to go about it,I do get lost and overwhelmed by the markets. Any solid pointers in reaching this trader would be helpful,I’d appreciate if I got a reply
Interesting I'm also a subscriber of Kathy’s signals and if I were to rate her accuracy, I would say perfect 👌, she has the best trading {ROI}.She is a regulated broker so she is very much accessible to the public, just search her full name online, check out her website for information concerning her services, then mail her for guidance.
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Beautiful and well explained. As an Indian staying in America and given the times, would it be better to go into into real estates or stocks. I have been confused on the better option and where and how to go about this. Can't seem to find the most appropriate and of utmost importance is also a less time intensive option.
Why not both? With the present economy, you should never forget to diversify. Do not put all your eggs in one basket. As one who has been into Real Estates for as long as I can remember, I made my first million earlier this year from stocks alone (got the services of an expert because I also have time constraints). I also experiment with a couple of other things. Hard to imagine that I had initially refused to try out new possibilities. Good luck.
...Very sound and realistic. I too have been into both for sometime now and though I won't say I have lost a fortune, I have squandered quite a lot... You mentioned using pros, if its not a problem. do you mind telling who you used or recommending a good one? I could definitely use the help of one right now... I look forward to you replying...
@@vargaskenneth8837 Funny enough, I can honestly relate. I don't know if I am permitted to go into details here, but mine is "Stephen Joseph Kohlhofer" and you could look him up . I'm not so sure he takes on new people right now, but you could try.
@@thepotter867 casually strolled into this thread and boom, I know this smallish man. Once attended a fundraiser he was also in attendance here in Vancouver,, calm looking man with with a funny accent,, He's in the States though, I doubt he works with non residents,,,
I might recieve some heat from hardcore Ankur subscribers. But just a word of advice to everyone who will absorb the information given in this video and will take it at face value without ever reflecting on their priorities. Let's be real about one thing. If you're goal in life is solely minting money, then Ankur is your mahn. All his investment advices are aimed at laying a framework for your finances to reap maximum ROI. However, if you wish to have a family, you'll need a home. Not trying to be emotional here, being absolutely logical and rational. Yes, opting for a rental space is a great option but it also comes with its own set of cons too. To name a few... frequent moving, no absolute control over your home, ego taking a hit when your peers have their own property while you invest your money wisely to make returns. Ofc your bank balance will go up no doubt but from a status POV, your peers will always be ahead of you no matter how you choose to look at it. And if you're bold enough to say, status don't matter and I can control my emotions, then more power to you. But be true to yourself. Don't put on that thick skin from the outside, only to rationalize buying a home is not a good deal to yourself. Don't be that fool who knows how to maximize his investment but all that ROI you earn sits in your Zerodha account as shares only fuelling your ego and false of sense of security that you're a stable human being. To summarise I'd just say think about your long term priorities. Take this valuable info but think out every goddamn thing out very precisely and see what's the best option for you. All the best ✌🏽
The first step to successful investing is figuring out your goals and risk tolerance - either on your own or with the help of a Financial Advisor. If you can get the facts about savings and investing with a well detailed plan, you should be able to gain financial security over the years and enjoy the benefits of managing your income.
@Hoshi Fuyo It's not how much money you save in the bank, but how much money you earn and how hard it works for you. Money devalue over time, investment is the best option as it grows over time
@@danromero533 I think the key thing here is working with a professional. Yes people have devoted their lives to making profits in the market, but those of us who haven't but are interested in investing can simply work with them.
Sir i understand hindi a bit when other speak but in your speaking I can understand every sentence wt ever u speak thank you for valuable information about financial stability
Not entirely true. People like me minor income flow and having in small town, need house in big cities to get civic amenities…electricity, water, roads, hospitals etc. People come to city to get out of society clutch on them, they want to grow, they require houses for living with pride. Commercial spaces looks lucrative but it involves exorbitant rates and involves almost 30% black money in each deal. Down payment is accepted only as cash. Due to online shopping, shops are not selling that much and this segment is going through an uneasy phase now.
If you keep the house for 20 years and then try to sell it, the only value it will have will be of the land, as the house will degrade over time. This isn’t considered anywhere. Thoughts?
Trading crypto is one of the lucrative business, but to be honest its not entirely easy i lost so much while doing it by myself until I stumbled across Emilia who manage my account and return weekly profit.
That's right even at retirement I have lots of investment with Her I made $ 13,400, I invest in coins and property . multiplying your money , you will wake up one day to realize you didn't plan good for yourself.
My portfolio has been going down the drain while I try trading , l just don't know what I do wrong, could you help me get your financial guildian's contact address.??
I was overwhelmed seeing others who traded with Emilia. Her strategy minimizes risk and maximize profits, I'm currently on my 5th trading section. and my portfolio has grown tremendously
The major advantage in commercial real estate is that you can have a contract of longer period of time and if it is in industrial or market area you place will never get free.
Hi Ankur, thanks a ton for your videos. I have a question - if I get an opportunity that gives guaranteed rental yield of 8% (15% increasing every 3 years) on an investment of 30L in commercial property in an excellent area, will that be considered a good opportunity? Or can a lumpsum of 30L be put to a better use?
Till 1 min seems like a stand up commedy, genuinely funny with funny expressions. You have an honest heart which is very appealing to me atleast. Now let me finished the video😁
Great analysis sir, appreciate your efforts. Make a video on *"How to Buy real estate properties like land, house etc for only selling purposes after few years."*
Aman dhattarwal a famous RUclipsr and my favourite too he own 8 house at age of just 21 and from his own money and today he having more house and successful life
Hi Ankur, great video! But one thing I feel was a little left out was the rate of asset return that you calculated was based on the whole amount of house, while factoring in the cost of levegerage (loan) as well. But if you see you only invested a downpayment for the house and a little emi every month for 6 years in your case. So I don't think it'll be fair to compare the asset return of the house for the whole amount, but rather on the money you actually invested (downpayment + emi for 6 years), and the return that you got on that money. Hope I make sense😅 In your case, the actual amount paid will be: Downpayment + EMI for 6 years = 9, 45, 000 Profit on sale is 6,14,000 So your profit of 6.14 lacs is on an amount of 9.45 lacs, which is quite decent if not that great considering you weren't able to rent it out.
To invest in real estate we get loan from bank @7 or less % for down payment of 10 0r 20 % we get margins for 80 % to 90%, example For project of 1. Cr ,if have 10 lakh in hand, we can go head for 1 cr project , (depending on cibil) The moment you buy the house ,you are owner of 1 cr property,which 8s tangible But to invest 1 cr in share market ,and if hv just 10 lakh ,no bank will fund you 80 to 90 lakhs ! A person with 10 lakh budget can only day trade/option , but cannot become a investor of 1 cr project!
for an under construction property the interest is calculatedon the disbursed amount. so in your 50lakh property example,the loan amount of 37lakhs is not disbursed from first year. The EMI also is based on the disbursed amount as per my understanding. so the initial years till possesion the EMI will gradually increase. this will reduce the cost of buying a property as compared to your excel sheet. i see it from this perspective- if i buy readymade house on loan,i can offset part EMI with rent. but if i buy underconstruction house on loan,even though i am not earning,i am paying less EMI for initial years. this purely for 2nd home calculations.
Hi Ankur, I have taken your course on Time management and although I have not completed it yet, I can say that it definitely gives me a new and different perspective on managing my time and I think it's amazing. While this video is great I'd request you to come up with a formal course on professional Real Estate investing because I know for sure that Real estate investing has it's own realm, like we see for stocks. I have searched Udemy on such courses and there are plenty of them I found there but, none of them is focussed on the Real estate scenario in India as most of the course authors are American and they talk in Dollars. I really hope this comment finds your (or your team's) eyes ASAP. It's my very honest suggestion/request to you 🙏 Thanks, Anootosh.
Considering the inflation rate on basic raw materials of construction purchasing a house has already gone beyond the reach of salaried employees and it will only be going to skyrocket after the russia ukraine war and covid. All the calculations will be on paper and the dream of buying a home will be a dream forever.
Sir aap and aapki wife nearbuy m directors hain and you both draws a salary of 4 lacs each but aap ye decide kaise karte h ki Hume itni salary Leni h isse jyada ya Kam nhi I mean ki company ya startups ke directors ya founders ki salary kaise decide Hoti h ispe video bnaiye na please it's a humble request sir please
Ye salary nhi lete, salary pe tax lagta h, instead of salary they take shares of company, or shares pe tax jab lagta h jab hum sell krte h wo b bahot minor tax
Being a compensation specialist myself, I can share this much that a mere position doesn't give you the right to decide the pay for yourself unless you're a startup as market pricing pays a vital role. Therefore, companies usually have their own compensation and benefits team as part of their human resources who decides the pay of all employees in the organisation.
Logic says, go fir long term loan & clear it as soon as possible, directly go in for a ready to move in property. Maybe you will feel the pinch, but will give you good rental yield. Go long term, make a life fund & all generated incomes should go in that & can we used as per required with caps what you & your children get at particular period of time, each year. This is the way, own more & more properties & get retired at any age, and keep freely working & earning by yourself. “Live like you can't afford a loaf of bread, and don't let people know that you own all bakeries of the town”
The biggest mistake is considering "average" on annual appreciation of the property & making a conclusion on whether to invest or not basis that. There is so much variation from one city to another, level of development etc, that one should not use averages. Some cities have shown upto 20% CAGR in last 7 years on residential plots for example
Hats off! Ankur sir you just really hit the spots of financial life. You may never read this comment but really, at the end of every single video of yours I feel empowered that I learned something that day. No thanks can be at par for what knowledge you give but still thank you so much sir!!!!
I convinced my mom to not take a home loan and not buy home early but she has only 1 concern what about my marriage 😂 . I mean how we will convince the bride family that we dont have any house. You should have added this in video ofcourse not your area of expertise but please spill some beans or perspective to me.
Sarthak bhai the same exact scenario is with me ...other than business, if u have mindset of employee ,only property can give peace and returns... Not everyone or mostly few gets returns from stocks and Mutual fund.... property jaruri he bhai bahut...
@@smilealways2419 mostly can get return from stocks, problem is patience and right approach like in yes Bank case , people lose due to their negligence that was very clear from there balance sheet that it can collapse anytime Giving you a real life example of crypto of 5 month period 2 guys buy a coin of 2000 rs and just after 1 week it turned into 10000 rs So my one friend booked all profit thinking coin will go down , even after I told him not to sale because roadmap and future of the coin was bright but he told and just after 5 months that 2000 turned into 1 crore and then I booked all the profit So patience is the game which is lack by maximum people
Commercial properties are the best option to buy if you are not dealing with sentiments as it can become easily borrowing free because you can easily get the rent equivalent to amount of EMI and throughout number of years it will get escalated however borrowing cost get slightly change due to repo rate hence there will be time after 2-3 years where you will be able to earn more than what you have to pay as borrowing cost . Further market appreciation will be also higher subject to residential property Apart from above if you have emergency need of fund you can take top up on such property
i get around 4.12 rental yield on my residential income. and its only gonna increase. Whenever you buying an residential house, remember these things. 1) Location, dont compromise on it, it decreases rental yield and appreciation. Location is baap of everything. 2) Longer duration so eventually your rent will surpass your EMI 3) Buy a completed apartments or flats always. Dont invest in under construction projects. If you have money and not expecting returns then go ahead. you can get it at cheaper rate. 4) Repeat :)
I'm too following the same. My property rental yeild is 2-2.5% so I'm taking risk of buying another property. That rent will go for equity investment. Alongside heavy Emi is going on for both properties. ... Is it ok or ????? Plz suggest
@@laxmikantkulkarni3283 Research your location and buy properties where rental yield is high. 2% rental yield is very low. you should aim for atleast 4%. Location matters a lot.
Very few people take the loan to the last stage as during these years the income grows and smart people prefer repaying their loan. If you simply reduce the interest amount paid overall in the excel sheet the entire video will turn out to be very different and so the net ROI.
Hi Ankur, you've made a good video on real estate. Just a suggestion that you've not covered in this video. You've not considered Long term capital gain taxes on the real estate. It's 20.8% with indexation benefit or 10% without indexation plus cess added. So effectively the rate of Return on the property reduces. This is also a crucial factor to consider if anyone is buying a property.
@@Jimmy-qu3tq valid point. Either reinvest into under construction real estate projects or choose to invest in Capital gains tax free bonds to avoid paying taxes. But everyone doesn't go through this reinvestment process. Then what's the option?! That's where an investor has to pay LTCG taxes. You can choose to reinvest and avoid paying taxes or pay up! Either way it's important to be aware on these criterias while investing in real estate.
Hey bro...what's your qualifications ...what have you studied in this field...just curious ....I too want to gain knowledge in this field...would be grateful if u reply.
@@vikramchoudhary5938 I'm a practitioner CERTIFICATED FINANCIAL PLANNER. This certification course is owned by Financial Planning Standard Board USA. It is recognised in more than 27 countries. There are 4 modules of examination in this course. If you are interested to study and understand in depth about topics such as retirement planning, Estate planning, tax planning, investment specialist & Risk Analysis and insurance planning and make a career in personal finance then it's the best course to apply.
If you are living in your house then “rent saved” should become a part of the yield calculation. Since you would have paid a monthly rent to live otherwise
Hi Ankoor , thank you for your such informative videos.. Can you also shed some light on REIT investment.. As I don't see much ppl taking interest in it. 😊
Amazing video as usual. You touch things and they become gold. I have a question though - We are not considering here the time damage on the property. What if we consider the damage to the property due to usual wear and tear causing depreciation of 10% every year. This is me assuming that the property bought here is not coming with the land itself. Won't it be even a really bad investment if we are further getting a depreciation on the cost of the property over time due to damage because of usual wear and tear which we can't unsee? Please shed light on this as well. My small brain would love to learn more about such investments. Thanks in advance.
Ankur ji, I have a different experience altogether. My parents had always invested in Real estate only... Maybe my Father knew things better than others. They earned well from property in both short and long term ... Longer the holding period, better the CAGR they got.(24% CAGR on a 40 yrs period!) Rental income is added pleasure. Their golden rules were- 1. Never invest with money taken on loan. Debt is meant only for emergencies and contingencies. 2. Invest where growth is foreseeable in near future. That will help you to buy it at reasonable value and see good growth rate with just 2-3 years of patience. But this doesn't mean that we go and buy property in some random remote place across the canal 😉. I find most of the things similar when we talk about investing in any asset class - Debt free Capital, Homework/Research done, foresight( but that doesn't mean greed), courage to buy, patience to hold ... You are doing great service by teaching youngsters the nuances of Investment 👍
Ankur, I really admire you but I disagree with few things. 1. Registration changes in Gurugram(Haryana) are 5,6,7% now. 2. The house index in India has significantly slowed down from when our parents bought home. It's around 2% growth/year now. Only selected areas might be doing slightly better than this. 3. Commercial is also not that great. Again it depends on locality and no one should blindly buy it. Taking example of Gurugram again, it is over supplied. Best way to look at this is observe the big players/builders, they are also selling commercial rather than leasing it out.
Hello Sir, One of hard-core follower among many. We being PSU Banker's we are getting the concession in Rate of Interest (also it's not a Compound Interest) on Housing Loan. So,it's advisable for us for opting loan in early like in 25-30 Age. Waiting for your reply
Hi Sir, Thanks for the video. The link you have shared is different from the one in the video... i.e. the net value growth over the evaluation period is not included for example. Can you kindly share that version too pls.. the exact one you have shown in the video. Thank you
*I will forever be in-depted to you 😇 you've changed my life I'll continue to preach about your name for the world to hear *you've saved me from a huge financial debt with just little investment. Thanks Mia Frank*
Hi Ankur, Loved the breakdown of data in this video. Just a thought. Can we consider this strategy as a means to build lump sum amount rather than an investment? Just thinking out loud. Cheers.
Great video: but the best investment as per my personal experience would be, invest in a property and invest the rent in 12 percent asset, this way at the end of the road you will have a property, regular rent, and the returns from an asset say mutual funds. What are yours views on this, @ankur?
Rental yield is much more for buying commercial real estate like shops and it is also much much cheaper to buy like 10 - 20 lakhs and you have put a down payment of only 2-6 lakhs and the tenant you get once he rents your shop stays there for years on years and you make alot more money and you get much more stability on a long term loan your monthly payment is only like 5-6 thousand a month and the rent you collect is 15-17 thousand a month you can become a cororpati much sooner
Great video Ankur. Can you kindly share the excel where you included rental yield also as this one does not have the rental yield column in the actual excel sheet. Thanks for sharing such valuable insights.
@@AabirDaneshyar this excel is not having columns for rental yield, % increase in rent every year etc. Can you please share the same one shown in the video.
Careful about what you guys think. During a bull run or even just after it, everybody thinks that investing in the market is the greatest thing possible. This is a common sentiment after a crazy bull run, but go and ask somebody in Japan who invested in the Nikkei in 1991/2 at the peak of the bull run instead of buying a house because the RoI was simply out of the world in Nikkei compared to Japanese real estate. These things are very easy to put down objectively on a sheet assuming that bull runs last forever, and then tell people that stocks/mutual funds will give them 13-15% consistently YoY for the next 20 years simply because it did for the last 3-5 years. Well, if somebody invested in the market from 2010 to 2016, Nifty only went from 6000 to 8000 over 6 years. Ask me, I chose equity over real estate in an upcoming metro during this same period, and that's possibly one of the big mistakes I made. Real estate on the outskirts of Hyderabad/Bangalore during the same period went from 10-15 lakhs for a plot to 75-80 lakhs for the same plot in the same period. I had to pay a 2 lakh down-payment for an 8 lakh loan with 10k EMI which I did not do. Even with the crazy bull run, the growth of my 2 lakhs invested lumpsum in equity and the 10k placed on SIP since 2010, trust me, it is definitely not worth 80 lakhs today, not even close. This is without factoring in any rental yield or tax benefits. Forget about the money I spent paying rent. Moreover, real estate is a "real" and safe asset because it takes only a population catastrophe for real estate prices to go down, while the market moves for everything and anything. For people who are literally investing their life's savings and everything they have, they simply will not have the risk appetite to invest such a huge amount such as 10 lakhs in equity. Please do think about misleading young people possibly during the peak of a bull run when they are going to face one of the craziest inflation cycles yet to come, and equity markets may not be able to keep up with it. India has almost 70% of its population to bring into the middle class over the next 1.5-2 decades, and the resource crunch that it will cause is not factored in at all when you assume that real estate will grow only at 8%. Market cycles and real estate cycles do not move in tune with each other. Real estate is a hedge against the market. Maintain a balanced portfolio of real estate+debt funds+precious metals+equity. Most people who are anti-real estate are people who have a much higher income than an average Indian, and these are not people whose home-loan EMI is probably the only saving they can afford in their life by saving on rent.
I really appreciate your view and I strongly agree that lot of people get fooled by great bull run ,but by calculation ,nifty moving from 6000 to 8000 in six years is still great because if calculate it's CAGR ( 8000/6000 x100 = 133.33 ,when we divide it by 6 it comes 22 % which is still great ) ,by rule of 72 ,your money become double in 3-4 years,if you able to do lumpsum when market is down ,you will get even 24-25 percent return .But Itust say people should be vary of market and carefully invest in market so that they will not swayed away by bull runs.
@@dwaparbhartari5453 sir, your calculations are wrong. Work on it again. If like me, anybody invested 2 lakhs lumpsum plus 10k SIP in equity in 2010, today, even by a CAGR of 15% (which is not the case in most mutual funds), they would be having about 30-35 lakhs at best in value, that too most of that would have got accumulated post November 2020. However, if they bought a 1200 sqft plot in the outskirts of Bangalore/Hyderabad for 10 lakhs, they would be worth 1 cr today. That is 10x. When the market consistently moves up, real estate slumps, once the market slumps, inflation kicks in and real estate picks up. Moreover, the average Indian who earns 50-70k family income per month with 1-2 kids cannot save any money if he pays a rent of 20k. Paying an EMI is obviously better than saving nothing. Many people disagree with this and end up with having nothing down the line. The most successful guy would be the one who bought his house in 2006-2008, and sold his house in Jan 2020, then entered the market with all that money in June/July 2020. However, that is highly hypothetical.
Anyway, the point is, if you build a portfolio with 0 real-world assets like real estate, partnership in a local business, or gold, and hold just stocks and crypto because you watch RUclips - that is not a diversified portfolio. Nobody in their right mind should be advising people to get out of real-world assets 100% and put all their money into trading papers and digital codes that feed and shelter nobody in times of real crisis. IMO a sane portfolio would be 30% real estate, 30% equity, 10% gold, 5% crypto, and 5% for leverage trading, or 10% leverage trading for for those who are not interested in crypto.
Rental yield calculation missing from the excel sheet. Wasted my 15 minutes figuring out if i downloaded wrong one, or if the i didnt watch the video properly etc. And finally couldn't calculate what i wanted to in the end due to changed excel sheet
If you are saying home loan is not a good option but if we are paying rent that money is also getting waste. But if we put that money into emi some day it will give return its fine if we get 8 percent
Ankur one minor yet fundamental mistake in your calculation - you are calculating like you invested 18 lakhs + 7 lakhs (interest) at once. While you invested it over 6 years. So for example, your last installment was only invested for 1 month. Second last for 2 months and so on. So, you should be calculating returns considering this
Explaination is great. The sheet has formulae errors and doesn't calculate with new figures. Plus, there are directly entered numbers as wel. If the team can fix it so we can use the excel and benefit more.
Hello I'm 60 years old And would like to get into the real life changing financial achievements through proper studies and correct way. Can you guide me how? Please response. Life is miserable through wrong investments. Thanks🙏🌹
Can u pls make a video on If we buy a plot worth 2 crore in partnership 04 partners (area enough to construct 10 flats of 2bhk ) Develop it by making a building in 2-3 years Now selling those 10 flats after say 4 years Each flat worth 40 lakhs/flat How much do we actually earn considering inflation n all Or comparative analysis of investment in other sources
Sorry to say but your complete calculation is WRONG on 6 years sale you did in this video. It’s at-least in the tune of 8 to 9 PERCENT Calculate the profit only on the money spent not on the value of the asset. 1. When you sold the house your cost / total investment is only A. Down payment B. Registration C. EMI cost effective (which is tax benefit included ) But when you are calculating the effective profit percentage you are accounting the money you never invested as well, it got settled in the transaction by the buyer. Let me know if you have doubts. So the profit you have made should be calculated on the money gone out of pocket and not on the value of the property.
![Chlöe - Shake (Feat. Jeremih) [Official Visualizer]](http://i.ytimg.com/vi/aDs_1ufpfv8/mqdefault.jpg)
I’ve been investing in real estate differently for a while now and it’s really paying off.
I usually co-own a property by buying its stock, For example if there’s a property of $50M i can get to invest $500k, as the property keeps appreciating, I also keep getting my dividends on the amount i invested, as the property appreciates, my money also appreciates.
Is this Similar to crowdfunding?
@@akmalraja2639 NO
I actually Own a part of the property when I buy it’s stocks, and I also get to earn a part of the Monthly rental income which varies per month.
Wow, that’s amazing.
This is becoming a more popular and safe way to invest in real estate, especially online and for foreigners who want invest in US or foreign properties
What does Ankur Warikoo love the most ?
1) His businesses - ❌
2) His RUclips channel - ❌
3) Excel Sheets - ✔️
😂😂😂
I reached my goal of $200k yearly trade earnings. Setting realistic goals is an essential part of trading
Speaking of in-vesting, I know I am blessed if not I wouldn't have met someone who is as spectacular as Mrs Rosiana Ruth Abety
My first capital invested with Rosiana Ruth Abety gave me good ROl of over $19000 and since then she has never failed to deliver
@Jamshed khan Hey, I invested largely on stockmarket last year, tried some index but my experience doesn't pay me. I have lost so much trading by myself Please is there any handle or link can get to her..
@Jamshed khan Thank you for dropping her tel, I just wrote Mrs Rosiana Ruth Abety and she responded nicely.
She has really made name for her self in the cyber world.
STARTING EARLY IS THE BEST WAY OF GETTING AHEAD TO BUILT WEALTH, INVESTMENT REMAINS THE PRIORITY, THE STOCK MARKET HAS PLENTY OPPORTUNITIES TO EARN A DECENT PAYOUT, WITH THE RIGHT SKILLS AND PROPER UNDERSTANDING OF HOW THE MARKET WORKS.
Making money is the plan and with Bitcoin your plans can be accomplish
I really appreciate Mr Sam Justin influence during this global pandemic lock down
Bitcoin trading is the best when you are on a profitable based platform
I started with 7000usd then increased to 13000usd after receiving my profit
That is true I've been trading for years and it has been my source of income,
Great video. Recently started investing in real estate but I'm interested in making short term profits. I don't think that's a yes in real estate, let's say turn a $150k to $500k in 6months. I will appreciate tips on how and what stock to buy to make profit
May I recommend MEGHAN ANN BRUDIE trading signal for you.
Consulting with a reputable service expert is absolutely the best thing to do.
@@alexreynolds6803 That sounds great and how do I connect with her?
Look up with her name on the web page and make researches for yourself.
Ok. I just saw her page and I sent a mail. Thanks.
I wanna say something to you i hate excel sheet till date. but now after watching soo many videos of you. now, i understand it is important aspect to understand these stuffs. thank you for explaining is such a lovely way. Thanks again ankur.
NICE VIDEO👏; EVERYONE NEEDS MORE THAN THEIR BASIC SALARY TO BE FINANCIALLY SECURED, I ADVISE, THE BEST THING TO DO WITH YOUR MONEY IS TO INVEST, MONEY LEFT IN SAVINGS ALWAYS END UP USED WITH NO RETURNS,
I totally agree with you, the crypto market is the most profitable venture I ever invest in
I reached my goal of $500k yearly trade earnings, with the help and guidance of Expert Smith Jackson. Setting realistic goals is an essential part of trading
Most Intelligent words I've heard, crypto is the new gold.
I'm a huge fan of crypto, I hold few coins in my wallet, while I trade the rest with my Expert, Smith Jackson, his really Good.
Same here I earn huge weekly profit of $10,000 on my investment since I started trading with Mr Smith Jackson ,her trading strategies are top-notch.
I'm currently living with my parents and I disturb them all day by telling what I read everyday . I think unknowingly it is a great way to remember what you read. And now I’m currently about 80% through "Playbook to Millions by Grant Cardone. I have read a lot of entrepreneurial books and self improvement books, and this book is my absolute favorite. This book is extraordinary and really gets you to work extremely hard toward your goals in life and succeed at multiple different areas like personal finance, real estate, business and career. This is an absolute must buy if you need a push to get you going in business or you want more out of life.
We bought land about 3 hectares near cst Mumbai for almost 1 cr back in 1999 now it's worth around 93 cr
93 cr wala banda yahan comment ker raha hain .. bhai maje kero yaar .. cst to hum sirf train se dekhe
Lucky guy
@Harsh, this sounds fantastic to know until you know the rate of return is approx 21% (excluding various taxes, etc).
The bluechip stocks or good mutual funds have yielded more return than it over the same period.
@@neelamshah1128 the value of land is 93 crore plus rental income for those 20 years would be 100x better than mutual funds , I started a sip in 2000 the lumpsump amount till date is 2 crore the returns after inflation is 6 crore which is three times my initial value on the other hand i bought a land for 3 crore in tourist area and now with railway and 4 lane there the value is 25 crore plus rental income which i have earned till now is 1 crore inflation adjusted so if you have a lump sum amount always real estate is the best thing but if you are a salaried employee then mutual funds are your go to go
When it comes to investment, diversification is key. That is why I have my interests set on key sectors based on performance and projected growth. They range from the EV sector, renewable energy, Tech and Health.
The market is so volatile now to be depending on bull run to make profit,I advice everyone to trade now with a working program with like that of Kathy Genelle Britton so far she is helping me find investment that has significant growth potential.
When some people think of successful stock traders, they think of multimillionaires lounging in a beach town, making trades and relaxing. That reality is rare, and stock trading isn't as easy or lucrative as it might seem from the outside. Despite challenges, some people elect to stock trade as a part-time job, or they take on stock trading as their full-time gig. If you know your stuff and follow a strategy, you can make money over time through stock trades by adopting the signal of a licence broker
Intrigued to know what approach kathy applies, as I’ve come across her appraisals severally on youtube.searched, found her on the web and Left a message, I hope she can help me
I’ll take investments in stock any day they’re very remunerative only problem I’m having is I really don’t know how to go about it,I do get lost and overwhelmed by the markets. Any solid pointers in reaching this trader would be helpful,I’d appreciate if I got a reply
Interesting I'm also a subscriber of Kathy’s signals and if I were to rate her accuracy, I would say perfect 👌, she has the best trading {ROI}.She is a regulated broker so she is very much accessible to the public, just search her full name online, check out her website for information concerning her services, then mail her for guidance.
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Great video.. But sir, i am unable to edit in this excel sheet. Please check this issue.
Ankur Sir, Please provide excel sheet which you are using in this video with rental yield.
@@abhishekbhattacharya3605 download the excel sheet. Then you can use it.
@@ashishjoshi9279 yes. Rate of return percentage in D40 not seen in the excel sheet which is provided here.
I feel the calculations should have included the rent you will be saving if you buy the house for yourself.
Isn't it ?
Beautiful and well explained. As an Indian staying in America and given the times, would it be better to go into into real estates or stocks. I have been confused on the better option and where and how to go about this. Can't seem to find the most appropriate and of utmost importance is also a less time intensive option.
Why not both? With the present economy, you should never forget to diversify. Do not put all your eggs in one basket. As one who has been into Real Estates for as long as I can remember, I made my first million earlier this year from stocks alone (got the services of an expert because I also have time constraints). I also experiment with a couple of other things. Hard to imagine that I had initially refused to try out new possibilities. Good luck.
...Very sound and realistic. I too have been into both for sometime now and though I won't say I have lost a fortune, I have squandered quite a lot... You mentioned using
pros, if its not a problem. do you mind telling who you used or recommending a good one? I could definitely use the help of one right now... I look forward to you
replying...
stocks are your best bet atm, the housing market are currently a mess
@@vargaskenneth8837 Funny enough, I can honestly relate. I don't know if I am permitted to go into details here, but mine is "Stephen Joseph Kohlhofer" and you could look him up . I'm not so sure he takes on new people right now, but you could try.
@@thepotter867 casually strolled into this thread and boom, I know this smallish man. Once attended a fundraiser he was also in attendance here in Vancouver,, calm looking man with with a funny accent,, He's in the States though, I
doubt he works with non residents,,,
I might recieve some heat from hardcore Ankur subscribers.
But just a word of advice to everyone who will absorb the information given in this video and will take it at face value without ever reflecting on their priorities.
Let's be real about one thing. If you're goal in life is solely minting money, then Ankur is your mahn. All his investment advices are aimed at laying a framework for your finances to reap maximum ROI.
However, if you wish to have a family, you'll need a home. Not trying to be emotional here, being absolutely logical and rational.
Yes, opting for a rental space is a great option but it also comes with its own set of cons too.
To name a few... frequent moving, no absolute control over your home, ego taking a hit when your peers have their own property while you invest your money wisely to make returns.
Ofc your bank balance will go up no doubt but from a status POV, your peers will always be ahead of you no matter how you choose to look at it.
And if you're bold enough to say, status don't matter and I can control my emotions, then more power to you. But be true to yourself.
Don't put on that thick skin from the outside, only to rationalize buying a home is not a good deal to yourself.
Don't be that fool who knows how to maximize his investment but all that ROI you earn sits in your Zerodha account as shares only fuelling your ego and false of sense of security that you're a stable human being.
To summarise I'd just say think about your long term priorities. Take this valuable info but think out every goddamn thing out very precisely and see what's the best option for you. All the best ✌🏽
Investment~~Guide 👆 📊
You really been selfless on how to invest in buying a house. Really appreciate your input on this.thanks for suggesting what mistakes not to do.
ᴀʟᴡᴀʏs ᴀᴄᴛɪᴠᴇ ᴏɴ ᴡʜᴀᴛsᴀᴘᴘ👆🇮🇳✍️.
The first step to successful investing is figuring
out your goals and risk tolerance - either on your own or with the help of a Financial Advisor. If you can get the facts about savings and investing with a well detailed plan, you should be able to gain financial security over the years and enjoy the benefits of managing your income.
I think the pandemic have really taught
people the importance of multiple streams
of income, unfortunately having a job
doesn't mean security.
@Hoshi Fuyo It's not how much money you save in the
bank, but how much money you earn and
how hard it works for you. Money devalue
over time, investment is the best option as it
grows over time
@@danromero533 I think the key thing here is working with a
professional. Yes people have devoted their
lives to making profits in the market, but
those of us who haven't but are interested in
investing can simply work with them.
@Ibrahim faizan Nope, not yet. But the search is on.
@Ibrahim faizan I know someone, I invest with an investment
advisor assigned by an investment firm that trades for me
Investing in Forex/crypto & stock market now is very cool especially with the current rise in the market now
Most especially having an expert trader like Mrs Grace
Well, this's not my first time of seeing her name on the social platform
I think she is extremely brilliant and lucrative at same time
I invested $4000 with expert Mrs Grace and I made huge profit of $70000 just in 7 days
Mrs Grace is obviously the best, I invested $3,000 and she made profit of $28,000 for me just in 15 day's, Her success story is everywhere.
Where you buy and what you buy is key.
Affordable housing gurgaon is 9 percent rental yield
It requires money to make money. this is the best secret I have ever discovered we don't make money, we EARN and MULTIPLY money..
Investments are the stepping stones to success, investing is what creates wealth.
Bitcoin trading right now will be at every wise individuals list. In few minutes you'll be ecstatic with the decision you made today
@Williams Jones That won't bother you if you trade with a professional like Mr's Nora wilson.
Yeah
My first investment with Mr's Nora I earned me profit of over $25,530 US dollars ever since then she has been delivering ever since.
Ankur is absolute brillant when it comes to learn investing😊
Sir i understand hindi a bit when other speak but in your speaking I can understand every sentence wt ever u speak thank you for valuable information about financial stability
Not entirely true. People like me minor income flow and having in small town, need house in big cities to get civic amenities…electricity, water, roads, hospitals etc. People come to city to get out of society clutch on them, they want to grow, they require houses for living with pride. Commercial spaces looks lucrative but it involves exorbitant rates and involves almost 30% black money in each deal. Down payment is accepted only as cash. Due to online shopping, shops are not selling that much and this segment is going through an uneasy phase now.
If you keep the house for 20 years and then try to sell it, the only value it will have will be of the land, as the house will degrade over time. This isn’t considered anywhere. Thoughts?
ᴀʟᴡᴀʏs ᴀᴄᴛɪᴠᴇ ᴏɴ ᴡʜᴀᴛsᴀᴘᴘ👆🇮🇳✍️.
Sir
For investment purpose buying a flat in thane west or Dahisar or Goa, Which of the place has a promising growth in around 20yrs?
Sir, gold is giving 11% returns annually over long term in INR.
Investment~~~Guide 👆 👆 📊
Bhai Loan nahi chaiye tha agar loan nahi liya hota to it was give you best returns it is 13L rupees
Am thinking 🤔 of getting into cryptocurrency but am afraid of losing my money because the last time I traded on crypto I made a very hug lost😢
Hmmm you're really missing out don't you know you could earn more than $6854+ within 7 day's of consistant investment and trading?
Invest in crypto only if u can afford to lose that money and it won't affect u much.
@@AdilHusain that's lie I'll advise you message Steven J Hatzakis for financial market and education.
꧁༺༻꧂十❶❷❼❾❷⓿❶❽❹❽❾꧁༺༻꧂Yes link up with him and remember to share your experience with others.
@@AdilHusain His availability is on wats....ap👆🏻👆🏻
Most failure and loss on investment usually happens when you invest without proper guide, l also work with. Emily they are legit and transparent.
Trading crypto is one of the lucrative business, but to be honest its not entirely easy i lost so much while doing it by myself until I stumbled across Emilia who manage my account and return weekly profit.
That's right even at retirement I have lots of investment with Her I made $ 13,400, I invest in coins and property . multiplying your money , you will wake up one day to realize you didn't plan good for yourself.
My portfolio has been going down the drain while I try trading , l just don't know what I do wrong, could you help me get your financial guildian's contact address.??
I was overwhelmed seeing others who traded with Emilia. Her strategy minimizes risk and maximize profits, I'm currently on my 5th trading section. and my portfolio has grown tremendously
The major advantage in commercial real estate is that you can have a contract of longer period of time and if it is in industrial or market area you place will never get free.
Hi Ankur, thanks a ton for your videos. I have a question - if I get an opportunity that gives guaranteed rental yield of 8% (15% increasing every 3 years) on an investment of 30L in commercial property in an excellent area, will that be considered a good opportunity? Or can a lumpsum of 30L be put to a better use?
Till 1 min seems like a stand up commedy, genuinely funny with funny expressions. You have an honest heart which is very appealing to me atleast. Now let me finished the video😁
Investment~~~Guide 👆 👆 📊
Great analysis sir, appreciate your efforts.
Make a video on *"How to Buy real estate properties like land, house etc for only selling purposes after few years."*
If you want invest in real estate. I think I can guide you bro. Just comment down your queries.
@@Donpablllo Any idea which loan is good for taking commercial real estate? NRP is 10+%, so its very high?
Aman dhattarwal a famous RUclipsr and my favourite too he own 8 house at age of just 21 and from his own money and today he having more house and successful life
Hi Ankur, great video! But one thing I feel was a little left out was the rate of asset return that you calculated was based on the whole amount of house, while factoring in the cost of levegerage (loan) as well. But if you see you only invested a downpayment for the house and a little emi every month for 6 years in your case. So I don't think it'll be fair to compare the asset return of the house for the whole amount, but rather on the money you actually invested (downpayment + emi for 6 years), and the return that you got on that money. Hope I make sense😅
In your case, the actual amount paid will be: Downpayment + EMI for 6 years = 9, 45, 000
Profit on sale is 6,14,000
So your profit of 6.14 lacs is on an amount of 9.45 lacs, which is quite decent if not that great considering you weren't able to rent it out.
Investment~~~Guide 👆 👆 📊
Amount Paid: 9, 45, 000
House Sold at: 31, 00, 000
Profit: 21, 55, 000
@@prajwalwaingankar3636 arw bhai bank loan bhi h. Bank loan return bhi krna padta h😅
@@rohand5545 😂😂 my bad kuch jada hi excited ho gaya tha ma...
Thank you so much for this video Sir Ankur Warikoo I really appreciate you making this video ☺️🙏🏻
To invest in real estate we get loan from bank @7 or less %
for down payment of 10 0r 20 % we get margins for 80 % to 90%, example
For project of 1. Cr ,if have 10 lakh in hand, we can go head for 1 cr project , (depending on cibil)
The moment you buy the house ,you are owner of 1 cr property,which 8s tangible
But to invest 1 cr in share market ,and if hv just 10 lakh ,no bank will fund you 80 to 90 lakhs !
A person with 10 lakh budget can only day trade/option , but cannot become a investor of 1 cr project!
for an under construction property the interest is calculatedon the disbursed amount. so in your 50lakh property example,the loan amount of 37lakhs is not disbursed from first year. The EMI also is based on the disbursed amount as per my understanding. so the initial years till possesion the EMI will gradually increase. this will reduce the cost of buying a property as compared to your excel sheet. i see it from this perspective- if i buy readymade house on loan,i can offset part EMI with rent. but if i buy underconstruction house on loan,even though i am not earning,i am paying less EMI for initial years. this purely for 2nd home calculations.
Message me directly for more guidance on investment
Hi Ankur,
I have taken your course on Time management and although I have not completed it yet, I can say that it definitely gives me a new and different perspective on managing my time and I think it's amazing.
While this video is great I'd request you to come up with a formal course on professional Real Estate investing because I know for sure that Real estate investing has it's own realm, like we see for stocks.
I have searched Udemy on such courses and there are plenty of them I found there but, none of them is focussed on the Real estate scenario in India as most of the course authors are American and they talk in Dollars.
I really hope this comment finds your (or your team's) eyes ASAP. It's my very honest suggestion/request to you 🙏
Thanks,
Anootosh.
Investment~~Guide 👆👆 📊
Considering the inflation rate on basic raw materials of construction purchasing a house has already gone beyond the reach of salaried employees and it will only be going to skyrocket after the russia ukraine war and covid. All the calculations will be on paper and the dream of buying a home will be a dream forever.
Sir aap and aapki wife nearbuy m directors hain and you both draws a salary of 4 lacs each but aap ye decide kaise karte h ki Hume itni salary Leni h isse jyada ya Kam nhi I mean ki company ya startups ke directors ya founders ki salary kaise decide Hoti h ispe video bnaiye na please it's a humble request sir please
Sane question here
I don't think they draw salary from Nearbuy.
They draw salary from the company through which they are managing their courses and all this stuff.
Nearbuy se kuch nahi milta bus equity hai
Ye salary nhi lete, salary pe tax lagta h, instead of salary they take shares of company, or shares pe tax jab lagta h jab hum sell krte h wo b bahot minor tax
Being a compensation specialist myself, I can share this much that a mere position doesn't give you the right to decide the pay for yourself unless you're a startup as market pricing pays a vital role. Therefore, companies usually have their own compensation and benefits team as part of their human resources who decides the pay of all employees in the organisation.
Logic says, go fir long term loan & clear it as soon as possible, directly go in for a ready to move in property. Maybe you will feel the pinch, but will give you good rental yield. Go long term, make a life fund & all generated incomes should go in that & can we used as per required with caps what you & your children get at particular period of time, each year. This is the way, own more & more properties & get retired at any age, and keep freely working & earning by yourself. “Live like you can't afford a loaf of bread, and don't let people know that you own all bakeries of the town”
As always an excellent video - thank you for sharing, was looking forward to this kinda insight 👏
Investment~Guide 👆👆
The biggest mistake is considering "average" on annual appreciation of the property & making a conclusion on whether to invest or not basis that. There is so much variation from one city to another, level of development etc, that one should not use averages. Some cities have shown upto 20% CAGR in last 7 years on residential plots for example
Hats off! Ankur sir you just really hit the spots of financial life. You may never read this comment but really, at the end of every single video of yours I feel empowered that I learned something that day. No thanks can be at par for what knowledge you give but still thank you so much sir!!!!
Investment~~~Guide 👆 👆 📊
What about buying land ??
It's a better asset I reckon
Can you please make a video on it
I convinced my mom to not take a home loan and not buy home early but she has only 1 concern what about my marriage 😂 . I mean how we will convince the bride family that we dont have any house. You should have added this in video ofcourse not your area of expertise but please spill some beans or perspective to me.
Sarthak bhai the same exact scenario is with me ...other than business, if u have mindset of employee ,only property can give peace and returns... Not everyone or mostly few gets returns from stocks and Mutual fund.... property jaruri he bhai bahut...
I don't have ur own house or ur family doesn't own a house or shadi k Baad apke parents k Sath nai rehna ??
What case exactly
Does your parents have own house
1 BHK only
@@smilealways2419 mostly can get return from stocks, problem is patience and right approach like in yes Bank case , people lose due to their negligence that was very clear from there balance sheet that it can collapse anytime
Giving you a real life example of crypto of 5 month period
2 guys buy a coin of 2000 rs and just after 1 week it turned into 10000 rs
So my one friend booked all profit thinking coin will go down , even after I told him not to sale because roadmap and future of the coin was bright but he told and just after 5 months that 2000 turned into 1 crore and then I booked all the profit
So patience is the game which is lack by maximum people
Commercial properties are the best option to buy if you are not dealing with sentiments as it can become easily borrowing free because you can easily get the rent equivalent to amount of EMI and throughout number of years it will get escalated however borrowing cost get slightly change due to repo rate hence there will be time after 2-3 years where you will be able to earn more than what you have to pay as borrowing cost .
Further market appreciation will be also higher subject to residential property
Apart from above if you have emergency need of fund you can take top up on such property
Great video!
Can you please share the sheet which contains rental yield row as well? Thanks
Thank you so much Ankur sir 😊
Thanking you from the bottom of my soul ❤️
i get around 4.12 rental yield on my residential income. and its only gonna increase. Whenever you buying an residential house, remember these things.
1) Location, dont compromise on it, it decreases rental yield and appreciation. Location is baap of everything.
2) Longer duration so eventually your rent will surpass your EMI
3) Buy a completed apartments or flats always. Dont invest in under construction projects. If you have money and not expecting returns then go ahead. you can get it at cheaper rate.
4) Repeat :)
Investment~~~Guide 👆 👆 📊
I'm too following the same. My property rental yeild is 2-2.5% so I'm taking risk of buying another property. That rent will go for equity investment. Alongside heavy Emi is going on for both properties. ...
Is it ok or ????? Plz suggest
@@laxmikantkulkarni3283 Research your location and buy properties where rental yield is high. 2% rental yield is very low. you should aim for atleast 4%. Location matters a lot.
Very few people take the loan to the last stage as during these years the income grows and smart people prefer repaying their loan. If you simply reduce the interest amount paid overall in the excel sheet the entire video will turn out to be very different and so the net ROI.
Hi Ankur, you've made a good video on real estate. Just a suggestion that you've not covered in this video. You've not considered Long term capital gain taxes on the real estate. It's 20.8% with indexation benefit or 10% without indexation plus cess added. So effectively the rate of Return on the property reduces. This is also a crucial factor to consider if anyone is buying a property.
Investment~Guide 👆 📊
You can always re-invest that money again on bigger projects. No taxes on the gains.
@@Jimmy-qu3tq valid point. Either reinvest into under construction real estate projects or choose to invest in Capital gains tax free bonds to avoid paying taxes. But everyone doesn't go through this reinvestment process. Then what's the option?! That's where an investor has to pay LTCG taxes. You can choose to reinvest and avoid paying taxes or pay up! Either way it's important to be aware on these criterias while investing in real estate.
Hey bro...what's your qualifications ...what have you studied in this field...just curious ....I too want to gain knowledge in this field...would be grateful if u reply.
@@vikramchoudhary5938 I'm a practitioner CERTIFICATED FINANCIAL PLANNER. This certification course is owned by Financial Planning Standard Board USA. It is recognised in more than 27 countries. There are 4 modules of examination in this course. If you are interested to study and understand in depth about topics such as retirement planning, Estate planning, tax planning, investment specialist & Risk Analysis and insurance planning and make a career in personal finance then it's the best course to apply.
Sir you should make an another video on Commercial Real Estate & Land Investing ....
1:03 even having our own roof on our home is necessary and convenient!
If you are living in your house then “rent saved” should become a part of the yield calculation. Since you would have paid a monthly rent to live otherwise
Investment~Guide 👆👆
Thanks Ankur for your wonderful piece of content.coz of The value you add to my life I'm Very grateful to you and your channel
Excel Warikoo 🙂
I wanted this from a very long time. Thanks Ankur sir for this video...do make another video on Personal Finance for College students
Hi Sir,
What about RITES investment..or purchase of Plot...?
Hi Ankoor , thank you for your such informative videos.. Can you also shed some light on REIT investment.. As I don't see much ppl taking interest in it. 😊
Sir please make a video on financial planning for childrens future & education
Amazing video as usual. You touch things and they become gold.
I have a question though - We are not considering here the time damage on the property. What if we consider the damage to the property due to usual wear and tear causing depreciation of 10% every year. This is me assuming that the property bought here is not coming with the land itself.
Won't it be even a really bad investment if we are further getting a depreciation on the cost of the property over time due to damage because of usual wear and tear which we can't unsee?
Please shed light on this as well. My small brain would love to learn more about such investments.
Thanks in advance.
But we have to add the cost of brokerage or commission of the broker in buying the asset too...
If I'm right..
It is very hard to maintain discipline in SIP but you are bound to do in EMI
Sip is also automatic
You are very wrong Jyoti. Sip is best.....
Ankur weds Excel ❤️🎊🎉
Ankur ji, I have a different experience altogether. My parents had always invested in Real estate only... Maybe my Father knew things better than others. They earned well from property in both short and long term ... Longer the holding period, better the CAGR they got.(24% CAGR on a 40 yrs period!) Rental income is added pleasure. Their golden rules were-
1. Never invest with money taken on loan. Debt is meant only for emergencies and contingencies.
2. Invest where growth is foreseeable in near future. That will help you to buy it at reasonable value and see good growth rate with just 2-3 years of patience. But this doesn't mean that we go and buy property in some random remote place across the canal 😉.
I find most of the things similar when we talk about investing in any asset class - Debt free Capital, Homework/Research done, foresight( but that doesn't mean greed), courage to buy, patience to hold ...
You are doing great service by teaching youngsters the nuances of Investment 👍
Investment~Guide 👆 📊
This excel sheet is very helpful. Thanks alot, you have solved alot of issues we face.
Rental yield is calculated on the book value(including depreciation) or the changing market value?
there is no depreciation of lands . mostly it appreciates
Ankur, I really admire you but I disagree with few things.
1. Registration changes in Gurugram(Haryana) are 5,6,7% now.
2. The house index in India has significantly slowed down from when our parents bought home. It's around 2% growth/year now. Only selected areas might be doing slightly better than this.
3. Commercial is also not that great. Again it depends on locality and no one should blindly buy it. Taking example of Gurugram again, it is over supplied. Best way to look at this is observe the big players/builders, they are also selling commercial rather than leasing it out.
Hello Sir,
One of hard-core follower among many.
We being PSU Banker's we are getting the concession in Rate of Interest (also it's not a Compound Interest) on Housing Loan.
So,it's advisable for us for opting loan in early like in 25-30 Age.
Waiting for your reply
same query
+1
same question
Sir please talk about......regarding....buy a plot is good for make money......like buy a rent house
Hi Sir, Thanks for the video. The link you have shared is different from the one in the video... i.e. the net value growth over the evaluation period is not included for example. Can you kindly share that version too pls.. the exact one you have shown in the video. Thank you
6% p.a. return plus u lived rent free for 6 years. Not a bad deal if u ask me.
*I will forever be in-depted to you 😇 you've changed my life I'll continue to preach about your name for the world to hear *you've saved me from a huge financial debt with just little investment. Thanks Mia Frank*
Anyone who is not investing now is missing a tremendous opportunity."
I receive $24,000 profits
Mia investment is helpful.
The profits in Mia Frank plan shows how selfless she is, and her expertise are wow.
Mia Frank has been trading for me and I’m very happy investing with her company, I really want to say a big thanks to her
I have noticed that investment is one of the best way to save money
Since I started trading I keep loosing I almost decided never to trade anymore what should I do now?
The coolest real-estate explanation I've ever seen
Investment~~~Guide 👆 👆 📊
I'm getting gradually more interested in mindful investing . Appreciate you Warikoo😊
Another point if we can find a property where the rent is some what close to emi per month...the return would be nice
Hi Ankur,
Loved the breakdown of data in this video.
Just a thought. Can we consider this strategy as a means to build lump sum amount rather than an investment? Just thinking out loud.
Cheers.
Sir aap ki is video ne Mera Real Estate Investment ka Pura Concept hi badal diya!!!!
So much Thank you ❤️❤️❤️❤️
Love from Maharashtra
Investment~Guide 👆 📊
Great video: but the best investment as per my personal experience would be, invest in a property and invest the rent in 12 percent asset, this way at the end of the road you will have a property, regular rent, and the returns from an asset say mutual funds. What are yours views on this, @ankur?
Investment~Guide 👆👆
make video on how debt help in not paying tax
Sir. By any chance did you miss the tax on real estate capital gain?
By buying another property
Rental yield is much more for buying commercial real estate like shops and it is also much much cheaper to buy like 10 - 20 lakhs and you have put a down payment of only 2-6 lakhs and the tenant you get once he rents your shop stays there for years on years and you make alot more money and you get much more stability on a long term loan your monthly payment is only like 5-6 thousand a month and the rent you collect is 15-17 thousand a month you can become a cororpati much sooner
Great video Ankur. Can you kindly share the excel where you included rental yield also as this one does not have the rental yield column in the actual excel sheet. Thanks for sharing such valuable insights.
Link for the excel sheet is given in the description.
@@AabirDaneshyar this excel is not having columns for rental yield, % increase in rent every year etc. Can you please share the same one shown in the video.
Thanks a lot!
Careful about what you guys think. During a bull run or even just after it, everybody thinks that investing in the market is the greatest thing possible. This is a common sentiment after a crazy bull run, but go and ask somebody in Japan who invested in the Nikkei in 1991/2 at the peak of the bull run instead of buying a house because the RoI was simply out of the world in Nikkei compared to Japanese real estate.
These things are very easy to put down objectively on a sheet assuming that bull runs last forever, and then tell people that stocks/mutual funds will give them 13-15% consistently YoY for the next 20 years simply because it did for the last 3-5 years. Well, if somebody invested in the market from 2010 to 2016, Nifty only went from 6000 to 8000 over 6 years. Ask me, I chose equity over real estate in an upcoming metro during this same period, and that's possibly one of the big mistakes I made. Real estate on the outskirts of Hyderabad/Bangalore during the same period went from 10-15 lakhs for a plot to 75-80 lakhs for the same plot in the same period. I had to pay a 2 lakh down-payment for an 8 lakh loan with 10k EMI which I did not do. Even with the crazy bull run, the growth of my 2 lakhs invested lumpsum in equity and the 10k placed on SIP since 2010, trust me, it is definitely not worth 80 lakhs today, not even close. This is without factoring in any rental yield or tax benefits. Forget about the money I spent paying rent.
Moreover, real estate is a "real" and safe asset because it takes only a population catastrophe for real estate prices to go down, while the market moves for everything and anything. For people who are literally investing their life's savings and everything they have, they simply will not have the risk appetite to invest such a huge amount such as 10 lakhs in equity.
Please do think about misleading young people possibly during the peak of a bull run when they are going to face one of the craziest inflation cycles yet to come, and equity markets may not be able to keep up with it. India has almost 70% of its population to bring into the middle class over the next 1.5-2 decades, and the resource crunch that it will cause is not factored in at all when you assume that real estate will grow only at 8%.
Market cycles and real estate cycles do not move in tune with each other. Real estate is a hedge against the market. Maintain a balanced portfolio of real estate+debt funds+precious metals+equity.
Most people who are anti-real estate are people who have a much higher income than an average Indian, and these are not people whose home-loan EMI is probably the only saving they can afford in their life by saving on rent.
I really appreciate your view and I strongly agree that lot of people get fooled by great bull run ,but by calculation ,nifty moving from 6000 to 8000 in six years is still great because if calculate it's CAGR ( 8000/6000 x100 = 133.33 ,when we divide it by 6 it comes 22 % which is still great ) ,by rule of 72 ,your money become double in 3-4 years,if you able to do lumpsum when market is down ,you will get even 24-25 percent return .But Itust say people should be vary of market and carefully invest in market so that they will not swayed away by bull runs.
@@dwaparbhartari5453 CAGR is 4.91%
Please calculate correctly.
In Gurgaon, in 5 years the rates has increased from 70k/ yard to 1,80,000) yard. now you can calculate the return
@@dwaparbhartari5453 sir, your calculations are wrong. Work on it again. If like me, anybody invested 2 lakhs lumpsum plus 10k SIP in equity in 2010, today, even by a CAGR of 15% (which is not the case in most mutual funds), they would be having about 30-35 lakhs at best in value, that too most of that would have got accumulated post November 2020. However, if they bought a 1200 sqft plot in the outskirts of Bangalore/Hyderabad for 10 lakhs, they would be worth 1 cr today. That is 10x.
When the market consistently moves up, real estate slumps, once the market slumps, inflation kicks in and real estate picks up. Moreover, the average Indian who earns 50-70k family income per month with 1-2 kids cannot save any money if he pays a rent of 20k. Paying an EMI is obviously better than saving nothing. Many people disagree with this and end up with having nothing down the line.
The most successful guy would be the one who bought his house in 2006-2008, and sold his house in Jan 2020, then entered the market with all that money in June/July 2020. However, that is highly hypothetical.
Anyway, the point is, if you build a portfolio with 0 real-world assets like real estate, partnership in a local business, or gold, and hold just stocks and crypto because you watch RUclips - that is not a diversified portfolio. Nobody in their right mind should be advising people to get out of real-world assets 100% and put all their money into trading papers and digital codes that feed and shelter nobody in times of real crisis. IMO a sane portfolio would be 30% real estate, 30% equity, 10% gold, 5% crypto, and 5% for leverage trading, or 10% leverage trading for for those who are not interested in crypto.
I hate warikoo's ads but love his videos
Rental yield calculation missing from the excel sheet. Wasted my 15 minutes figuring out if i downloaded wrong one, or if the i didnt watch the video properly etc. And finally couldn't calculate what i wanted to in the end due to changed excel sheet
If you are saying home loan is not a good option but if we are paying rent that money is also getting waste. But if we put that money into emi some day it will give return its fine if we get 8 percent
Explaing very well. But what we can do if we already purchase real estate, should we exit from real estate. Can any one explain me better solution ?
Sir please make a video of land as an asset and if I have Bought it as an investment
How can i also make money ( if its barren land )
Ankur one minor yet fundamental mistake in your calculation - you are calculating like you invested 18 lakhs + 7 lakhs (interest) at once. While you invested it over 6 years. So for example, your last installment was only invested for 1 month. Second last for 2 months and so on. So, you should be calculating returns considering this
Explaination is great. The sheet has formulae errors and doesn't calculate with new figures. Plus, there are directly entered numbers as wel. If the team can fix it so we can use the excel and benefit more.
Hello
I'm 60 years old
And would like to get into the real life changing financial achievements through proper studies and correct way.
Can you guide me how?
Please response.
Life is miserable through wrong investments.
Thanks🙏🌹
ᴀʟᴡᴀʏs ᴀᴄᴛɪᴠᴇ ᴏɴ ᴡʜᴀᴛsᴀᴘᴘ👆🇮🇳✍️.
Selling is where the money is in RE
I am not able to download the excel sheet with access denied, can you help me to get the access to this excel?
@warikoo can do any video on child investment schemes for educations and other emergencies etc
Can u pls make a video on
If we buy a plot worth 2 crore in partnership 04 partners (area enough to construct 10 flats of 2bhk )
Develop it by making a building in 2-3 years
Now selling those 10 flats after say 4 years
Each flat worth 40 lakhs/flat
How much do we actually earn considering inflation n all
Or comparative analysis of investment in other sources
Sorry to say but your complete calculation is WRONG on 6 years sale you did in this video.
It’s at-least in the tune of 8 to 9 PERCENT
Calculate the profit only on the money spent not on the value of the asset.
1. When you sold the house your cost / total investment is only
A. Down payment
B. Registration
C. EMI cost effective (which is tax benefit included )
But when you are calculating the effective profit percentage you are accounting the money you never invested as well, it got settled in the transaction by the buyer.
Let me know if you have doubts.
So the profit you have made should be calculated on the money gone out of pocket and not on the value of the property.
Sir, Make a video on* investing in early 20s"
@Ankur I think the excel sheet (calculations) are broken, can you please fix/update the excel sheet ?