@@nidhin133enthin 20 varsham wait cheyyanam? Veed vekkan alle ippo loan edukkune athinte oru percentage mathrem systematically invest cheythal maghi adthey 20 yearsil of everything goes well rerurns kittm which is equivalent to the interest amount you’ll pay in next 20 years according to this situation.
Let us check the facts and figures Home Loan Loan Amount - 30 L Tenure - 20 Years Interest rate - 8% Assumed EMI - 25K Total Repayment - 60 L Mutual Fund SIP - 3K No of Years - 20 Rate of return - 12% - Assumed Investment - 7.2 L Wealth Gain - 22.8 L Expected Amount - 30 L Conclusions * Time of value of money not considered ( The loan EMI will start from one month from the date of loan, but the gain from mutual fund we will get at the end of the 20 years) * The value of investment in SIP is not considered * Mutual fund return depends on the market * The interest rate of home loan is more than 8% in India
Mutual funds, to be specific for calculations Index fund, since inception has given 12% + returns annually every year ! Even the load & the sip gets matured at same time to get the benefits of getting the money out. You have to pay the principle amount, and you get back the interest that has to be paid. There is no point in bringing in time value as the interest amount has to be paid is sett off, that is the point. This is the simple logic banks do to make money, can google Net Interest Margin (NIM) and get the answers. Hope it helps 👍
Being a banker, I didn’t understand why you quoted NIM in this context. Need to avoid irrelevant financial terms if you are not sure about the entire picture.
This is not right… Total cash outflow - Loan -60 lac By way of investment - 7.72lac Total - 67lac Total cash inflow is 30 lac Therefore… net cash out - 37 lac… doesnt set off And now let me tell u that the assumption is flawed… 8% for home loan is not possible
ഒരു ബാങ്കിൽ നിന് ലോൺ എടുതാൽ. 20 വർഷം വേണം അത് തിരിച്ചടക്കാൻ. എന്നാൽ ഒരു ബാങ്ക് കൊള്ളയടിച്ചാൽ 10 വർഷം കൊണ്ട് ഞമ്മക്ക് ജയിലിൽ നിന്ന് പുറത്തവരാം. So അപ്പൊ ഏതാ ലാഭം 😳
ലോണ് അടക്കുന്നതിന് ഒപ്പം തന്നെ 3000 വേറെ നിക്ഷേപിച്ചാ ലോൺ തീരുമ്പോഴേക്കും അധികമായി അടച്ച കാശിന് തുല്ല്യമായ കാശ് ആ നിക്ഷേപത്തിൽ നിന്നും കിട്ടും എന്നാ പുള്ളി പറഞ്ഞത്😊
Comments കണ്ടതിൽ നിന്നും ഒന്ന് മനസ്സിലായി മലയാളിക് ആകെ അറിയാവുന്ന investment എന്നത് ചിട്ടി മാത്രമാണ് ബാക്കി ഉള്ളതൊക്കെ ചിട്ടിയിൽ ഉള്ളതുപോലെ മാത്രമെന്നാണ് വിചാരം. ഒരു ചാച്ചര കേരളം....
Ponnenkil potte paranhit oru 50000 rupa id 10 yearilek long term aanenkile profit undaku😊 nokkam in future ethra kittumen 😅 kitya ootty illankil chatti enn karuthi risk edkkaan thayyaarak.. Valiya amnt onnm idanda pediyanenkil
I actually heard it somewhere else. Also you got the point. But if I pay 6000 instead of 3000 for the mutual fund, it would be the loan amount and interest is completely paid off. Meanwhile the house is completely free.
സ്വന്തം വീട് ഇല്ലാത്ത ഒരാൾ ഇന്ന് 30 ലക്ഷം ഹൗസ് ലോൺ വാങ്ങി മുപ്പതു വർഷം കൊണ്ട് 60 ലക്ഷം അടച്ച് തീർത്താലും കുഴപ്പമില്ല. ഒരു വർഷം കൊണ്ട് വീട് പണിയാം. ബാക്കി 29 വർഷം വാടക കൊടുക്കാതെ സ്വന്തം വീട്ടിൽ താമസിക്കാം. ഇന്ന് 30 ലക്ഷത്തിനുള്ള ഒരു വീട് 30 വർഷത്തിന് ശേഷം വീട് വാങ്ങാൻ 70 ലക്ഷം കൊടുക്കേണ്ടി വരും. മുപ്പത് വർഷം വാടക കൊടുത്തതും നഷ്ടം.
അല്ല . 30 ലക്ഷം കൂടുതൽ അടയ്ക്കുന്നത് ഇരുപതാം വർഷത്തിൽ ഒരുമിച്ചല്ലല്ലൊ? 30വർഷമായ വീടിന് പുതിയ വീടിന്റെ പകുതി വിലയേ ഉള്ളു . സ്ഥലത്തിന് വില കൂടുന്നതു കാരണം അത് അറിയില്ല എന്നു മാത്രം. ഇപ്പോൾ സ്ഥലത്തിനും പഴയ ഡിമാന്റില്ല. പിന്നെ മൂല്ല്യവും നോക്കണം.
Bro mutual funds ninum return kittum enu urapu paryan pathumo.... U r answer is yes then which mutual fund is best scheme and how to invest... Tell me😅😇
If your ultimate aim is happy life. Please focus on these things... 1. You have understand your stage and satisfy with that and look at the people below you, don't look at the people above you 2. If you don't have a income for eat biriyani, then please satisfy with kanji and tell to your family, be happy , never borrow credit improve your life to biriyani level. 3. If you pass above two stages you are eligible for a successful person, and your seccess will more sweet and happy.
Yeah we can but what about the next generation we create. There is a saying that it's not your fault to born as poor but to die as poor is always your fault.. Yeah I support your word about limiting life spenting with what we have..but never limit your effort to earn more money. Learn new strategies, new skillset which can improve your income..but don't rush that earning for spent it unwanted things, just spent with your level. But keep learning and implement new strategies to earn more money...money is the ultimate freedom for health and security. Floating ship never sinks..but your must put forward efforts to push it harder without sinking..
1. You do not get loan @8% now. 2. MF are subject to market risk, but our loan & interest stays, may be it can spike if floating. 3. You hid the MF investment, we need to pay SIP. That has to be added to SIP 4. Mostly people struggle to pay EMI, so SIP would be added burden.
no, it's not free , because we need to consider time value of money . 30 lakh of interest is paid over 20 years, but mutual fund return will get at the end of 20th year so the value 30 lakh will be different due to inflation. What I mean that interest paid amount of 30 lakh will be always greater value than return will get from mutual fund
Dear kenz milliondots , some people including me have some confusion in these ideas so can you please clear it by making a simple video with notes and i may help us ❤️
Housing loan floating interest rate aan, prepayment is allowed... Alex is absolutely right... 20 years loan will get reduced to 16 years with 3k prepayment, if interest rate remains 8% itself. By prepayment you are also mitigating the risk of interest fluctuations to higher level.
ഇത് practical ആകണമെങ്കിൽ സ്ഥിര വരുമാനം വേണം കുറഞ്ഞത് 35000 രൂപ എങ്കിലും ഇതിന് വേണ്ടി matti വെക്കാൻ പറ്റുന്ന തരത്തിൽ. ഇവിടെ പറഞ്ഞ കണക് പ്രകാരം 25000 loan akakkendi varum pinne 6000 mf ittal 20 kollam kond 30 lakh kittim ennan paranjath appoyum നമ്മൾ ഇട്ട 7lakh nashtam ആൺ സോ ഒരു 4000 എക്സ്ട്രാ ഇടാം . പിന്നെ main aayitulla kaaryam mutual funds are subjected to market risk😊😊.
It's one of the most silliest ways you can plan your finances. Prioritize paying back that loan with everything you have because 8% is guaranteed interest savings vs. mutual fund, which isn't guaranteed.
Actually our investment in this case is Rs 7.2 lakhs, the total returns including our investment is 30 Lakhs. Hence the terminology that the loan becomes interest free is WRONG. What we can only say is that we can reduce our expenses towards interest payment to Rs 7.2 lakhs (which is our actual investment amount spent from our own pocket) from Rs 30 lakhs.
He is true. Though house might have depreciation, land value really doubles. 1 cent bough at 16k is 2.5 lakhs now. Maybe there will not be such a boom in the future, still it will increase.
Edo appo adhuvare veedinu vadaka kodukkunnath aru therum pinne ippo 30l nu veedu vekan vangi 20 varsham kazhinj aaa 30l nu veedu vekkan pattilla my opinion business is the best way
30 L for Home loan 30 L pays for interest; make up 60 L We gain 30 L from mutual fund (infact after investing 8 L over 20 years) So (30+30)+8)-22 = 46 Lakhs alle nammal chilavakkunnath???
What if there is situation like covid or market crash hppnd in US then the market collapse and we might not get the expected return which we calculate now
Mone, what about the charges the SIP usually charge. If you say it specifically would show your clarity on the subject. You speak like every investment manager.
3000 per month till 20 years means we have to invest 7.2 lakh which will grow as 29.97 lakh. If we consider 12% growth. Means the money we invested which is 7.2 lakh is still is a lose..
Let's calculate guys : 3000*20 years= 720000. Mutual fund interest let's take an average 9% per year so, 9 %×20 =180 %× 720000= 1296000+720000 = 20,16000😂 total (it can be one year 4% or 13% taken an average this also may calculated yearly capital growth× interest rate for 20 years) Conclusion= 12,96000 Rs. Is the profit not 30 laksh in anyway. ( note : Markets can vary chances you might get less than this also bit increase)
7 ലക്ഷത്തി ഇരുപതിനായിരത്തിന് 6.5% interest + interest ന്റെ interest ഉം കൂട്ടിയപ്പോൾ 20 വർഷത്തേക്ക് 1220000/- മാത്രമേ എനിക്ക് കിട്ടിയുള്ളൂ..🙏 സത്യത്തിൽ, മ്യൂച്ചൽ ഫണ്ടിൽ എത്രയാ ഇന്ററസ്റ്റ്..
One is Loan and other one is Investment.. Loan without fail you have to repay it and at the same time Mutual Funds are always depends on market risk.. the comparison is made here is not really correct….i think
Just a simple math question, I take 30 lakh loan and pay 60 lakh with 8 percent interest, but the other 3000 I am not minusing from the EMI right. I am investing that differently, then how is it free. My extra investment of 3000 only would give me 30 lakh. So best is to pay off the loan before 10-12 years if possible. As your salary would increase and inbetween bonuses or something you get, pay it off.
No . interest on loan 12% undaavullu. but mutual fund 20% average undaavum . nammal mutual fund ill idaathe loan ilek adachal aa 8% namuk nashattam aakum. aa differnece namuk oru advantage aayit use cheyyam. this is proved
@@anupamasdrawing7166 100% fluctuations undavum. But oru 10 years consistent aayi invest cheythal pinne fluctuations undayalum , athyavasyam return kittum. But 20% annual return is very rare. But can expect better than fixed deposit. But not clearing loan and investing is foolish
Also why does he have to make all reels & Million dots if he has found the solution for everything. To all people out there, Investments in Stocks is risky if not done properly. 50 years in Stock market also dont educate you as the topic itself is very broad. Make money through Job or business, Invest the amount you dont need immediately after first investing in Health & Term Loan, then start SIP of Stock investment for long term. Do not trade watching after watching all those motivators. Trading is a speculation and not even warren buffet can predict the market. One can gain and put up videos but they can lose everything other day also. Also do that only if you have sufficient money after you bills & emergency. Dont take loan to invest or trade. Last & Finally, Give credits to the Author (reference point which you used to motivate everyone). Also mention that I took this point from this book
What u said is absolutely wrong. 3000× 240 month=720000.we have to pay through out 20 yrs. Then only we get 30 lakhs. Then how can u say that it is free of interest. 30lakh - 7.2lakh=22.7 lakh we can use as bank interest.
Athyavashakaranaya Veedu vekkan pokunna aalinae sambandichidatholam ayal orikalum mutual fundil invest cheyyilla because Market risk matters but Veedu ennu parayumbol it is an asset house value depreciation anenkilum land value increase cheythukond irikkum athukond loan EMI adhachalum kuzhappamilla. Pinnae ayal marichupoyalum aa asset ayalude makkalkku kittum as per agreement, oru physical asset ayathukond pedikenda karyam illa ottavum kurava. Mutual funds il nominee set up ok undenkilum it is subject to market risk and it’s not a physical asset.
ബാങ്കിനോട് തന്നെ ആ MF തുടങ്ങാൻ പറയൂ.. അപ്പോൾ നമുക്ക് loan free ആയി കിട്ടുമല്ലോ
എന്നിട്ട് വേണംBank നിങ്ങളെ MF എന്ന് വിളിക്കാൻ😂
😊
😊
😊😊
😊
മനസ്സിലായ പോലെ ഇരിക്കാം😮
Loan adukand mutual fundsill 3000 rs vech 20years koduthal 30 lakhs kittum but bankill anel 20 varshathek motham adakendi varunath 60 lakhs an
😂😂
@@Adhuzzzappol 20 years kazhinjalle veedu vekkan pattu
@@nidhin133 yep angana invest ethrem pettan cheyunu athrem pettan veed vekan patum .
@@nidhin133enthin 20 varsham wait cheyyanam? Veed vekkan alle ippo loan edukkune athinte oru percentage mathrem systematically invest cheythal maghi adthey 20 yearsil of everything goes well rerurns kittm which is equivalent to the interest amount you’ll pay in next 20 years according to this situation.
Let us check the facts and figures
Home Loan
Loan Amount - 30 L
Tenure - 20 Years
Interest rate - 8% Assumed
EMI - 25K
Total Repayment - 60 L
Mutual Fund
SIP - 3K
No of Years - 20
Rate of return - 12% - Assumed
Investment - 7.2 L
Wealth Gain - 22.8 L
Expected Amount - 30 L
Conclusions
* Time of value of money not considered ( The loan EMI will start from one month from the date of loan, but the gain from mutual fund we will get at the end of the 20 years)
* The value of investment in SIP is not considered
* Mutual fund return depends on the market
* The interest rate of home loan is more than 8% in India
In fact we are not getting the loan absolutely free, 7.2 lac is the accumulated amount we invested.
Mutual funds, to be specific for calculations Index fund, since inception has given 12% + returns annually every year !
Even the load & the sip gets matured at same time to get the benefits of getting the money out.
You have to pay the principle amount, and you get back the interest that has to be paid. There is no point in bringing in time value as the interest amount has to be paid is sett off, that is the point.
This is the simple logic banks do to make money, can google Net Interest Margin (NIM) and get the answers.
Hope it helps 👍
Being a banker, I didn’t understand why you quoted NIM in this context. Need to avoid irrelevant financial terms if you are not sure about the entire picture.
😂@@KenzMilliondots
This is not right…
Total cash outflow -
Loan -60 lac
By way of investment - 7.72lac
Total - 67lac
Total cash inflow is 30 lac
Therefore… net cash out - 37 lac… doesnt set off
And now let me tell u that the assumption is flawed… 8% for home loan is not possible
അങ്ങാനാണെങ്കിൽ 6000 ഇട്ടാൽ ഒന്നും കൊടുക്കണ്ടല്ലോ 😅
😂😂
9000 ittal bank 30 leksham ingott therum
@@sujuthai007😂
😂
Pinnalla 😅
ഒരു ബാങ്കിൽ നിന് ലോൺ എടുതാൽ. 20 വർഷം വേണം അത് തിരിച്ചടക്കാൻ. എന്നാൽ ഒരു ബാങ്ക് കൊള്ളയടിച്ചാൽ 10 വർഷം കൊണ്ട് ഞമ്മക്ക് ജയിലിൽ നിന്ന് പുറത്തവരാം. So അപ്പൊ ഏതാ ലാഭം 😳
😂
Ipparanjath correct
😂😂😂😂😂
😂
കൊള്ളയടിച്ച പൈസ കള്ളന് കൊടുക്ക്വോ🥱
Anna pinna 3000 rupa vechu 20 kollam adachittu, 20 kollam kazhiju, 30 lakh veedu vakkam 😁.
ആ സമയത്ത് 30 lakh നു വീട് പണിയാൻ പറ്റുമോ😂
ലോണ് അടക്കുന്നതിന് ഒപ്പം തന്നെ 3000 വേറെ നിക്ഷേപിച്ചാ ലോൺ തീരുമ്പോഴേക്കും അധികമായി അടച്ച കാശിന് തുല്ല്യമായ കാശ് ആ നിക്ഷേപത്തിൽ നിന്നും കിട്ടും എന്നാ പുള്ളി പറഞ്ഞത്😊
Ivan oru logic illa
@@afsalvk2357budddi koodiyit Mandan aayi poyatha
20 കൊല്ലം എവിടെ താമസിക്കും. 20 കൊല്ലം കഴിഞ്ഞു 30 ലക്ഷത്തിനു വീട് കിട്ടുമോ?
Comments കണ്ടതിൽ നിന്നും ഒന്ന് മനസ്സിലായി മലയാളിക് ആകെ അറിയാവുന്ന investment എന്നത് ചിട്ടി മാത്രമാണ് ബാക്കി ഉള്ളതൊക്കെ ചിട്ടിയിൽ ഉള്ളതുപോലെ മാത്രമെന്നാണ് വിചാരം. ഒരു ചാച്ചര കേരളം....
സത്യം 😂
Bro enik ee videoyil paranjath sherik manasilayilla bro onn explain cheyth tharan patuo pls😊
Seriya aarkm onnum ariyilla😂
Ponnenkil potte paranhit oru 50000 rupa id 10 yearilek long term aanenkile profit undaku😊 nokkam in future ethra kittumen 😅 kitya ootty illankil chatti enn karuthi risk edkkaan thayyaarak.. Valiya amnt onnm idanda pediyanenkil
ഇത് പോലെ ഉള്ള ആളുകള്‍ ആണ് ചില ബിസിനസ്സ് തട്ടിപ്പുകാരുടെ മൂലധനം.
I actually heard it somewhere else. Also you got the point. But if I pay 6000 instead of 3000 for the mutual fund, it would be the loan amount and interest is completely paid off. Meanwhile the house is completely free.
mutual funds are subject to market risk
സ്വന്തം വീട് ഇല്ലാത്ത ഒരാൾ ഇന്ന് 30 ലക്ഷം ഹൗസ് ലോൺ വാങ്ങി മുപ്പതു വർഷം കൊണ്ട് 60 ലക്ഷം അടച്ച് തീർത്താലും കുഴപ്പമില്ല. ഒരു വർഷം കൊണ്ട് വീട് പണിയാം. ബാക്കി 29 വർഷം വാടക കൊടുക്കാതെ സ്വന്തം വീട്ടിൽ താമസിക്കാം.
ഇന്ന് 30 ലക്ഷത്തിനുള്ള ഒരു വീട് 30 വർഷത്തിന് ശേഷം വീട് വാങ്ങാൻ 70 ലക്ഷം കൊടുക്കേണ്ടി വരും. മുപ്പത് വർഷം വാടക കൊടുത്തതും നഷ്ടം.
👍🏻
Eda manda ithuvare ulla kalamalla ini veedinte demand kurayum appo veedu vangan aal illathe varumbol veedin mudakkiyathinte pakuthi polum thirich kitilla
അല്ല . 30 ലക്ഷം കൂടുതൽ അടയ്ക്കുന്നത് ഇരുപതാം വർഷത്തിൽ ഒരുമിച്ചല്ലല്ലൊ?
30വർഷമായ വീടിന് പുതിയ വീടിന്റെ പകുതി വിലയേ ഉള്ളു . സ്ഥലത്തിന് വില കൂടുന്നതു കാരണം അത് അറിയില്ല എന്നു മാത്രം. ഇപ്പോൾ സ്ഥലത്തിനും പഴയ ഡിമാന്റില്ല.
പിന്നെ മൂല്ല്യവും നോക്കണം.
മാസം തോറും സ്വർണ്ണം വാങ്ങി വെച്ചാൽ മതി, സ്വർണ്ണത്തിൻ്റെ വാങ്ങൽ ശേഷി ഒരിക്കലും കുറഞ്ഞിട്ടില്ല
എന്തായാലും നല്ല convincing aayi സംസാരിക്കുന്നുണ്ട്...
MF il 3000 vach 20 വർഷം അടക്കുന്നത് വിഴുങ്ങിയോ..?
Lol 😂😂
20 വർഷം അപ്പോൾ,7,20,000 MF ൽ കൊടുക്കേണ്ടി വരും
Tax for MF on maturity
720000.10 madangayi thirich varm ennaan there is also a risk factor
Exceptions und
Bro mutual funds ninum return kittum enu urapu paryan pathumo....
U r answer is yes then which mutual fund is best scheme and how to invest... Tell me😅😇
How you manage Inflation rate ?
400rs cement bag in 2023 will be 8000rs after 20years. How you manage to build home for 30lakh after 20years
How can it be absolutely free ?
We are still paying 3000 for 20 years for mutual fund. Why this money is not counted?.
3k is negligible compared to 30k 😅
@@reold technically from beginning you are paying 3k + 30k.
Veed jepti cheyyan verumbol mutual fund il paisa idunund paranjal mathiyo?
😂
Madi, allengi adu eduth koduthal madi
If your ultimate aim is happy life.
Please focus on these things...
1. You have understand your stage and satisfy with that and look at the people below you, don't look at the people above you
2. If you don't have a income for eat biriyani, then please satisfy with kanji and tell to your family, be happy , never borrow credit improve your life to biriyani level.
3. If you pass above two stages you are eligible for a successful person, and your seccess will more sweet and happy.
Yeah we can but what about the next generation we create. There is a saying that it's not your fault to born as poor but to die as poor is always your fault..
Yeah I support your word about limiting life spenting with what we have..but never limit your effort to earn more money. Learn new strategies, new skillset which can improve your income..but don't rush that earning for spent it unwanted things, just spent with your level. But keep learning and implement new strategies to earn more money...money is the ultimate freedom for health and security.
Floating ship never sinks..but your must put forward efforts to push it harder without sinking..
mutual funds are subject to Market risks എന്നാണല്ലോ....അപോ aa risk വന്നാൽ ??
Risk take cheyyunna aal mathre successful aaku other vise always middle lawr level thanne nikm
Paavappettavanaayi janikkunnath nammude thettalla ennaal pavappettavanayi marikkunnath ath nammude mathram kazhiv ked kondaan.. Apg sir❤🎉
എന്ന ബാങ്കിന് mutual fund യിൽ ഇട്ടാൽ പോരെ avark 30 laksh നു പകരം 30 crore kittuvallo 😂
Bro think properly.. they need to grow in current market
Bank അതും ചെയ്യുന്നുണ്ട്
They don’t invest in mutual fund they invest in bonds or in stock market
They are doing
*300 cr
മണ്ടാ ക്യാഷ് ഇപ്പോഴാണ് വേണ്ടത് ..20 വർഷം കഴിഞ്ഞല്ല 😂😂😂
Per month EMI und ath sheriyann but 20 yearinnu shesham aaa 30 lack kayillirikkum.
Yes
1. You do not get loan @8% now.
2. MF are subject to market risk, but our loan & interest stays, may be it can spike if floating.
3. You hid the MF investment, we need to pay SIP. That has to be added to SIP
4. Mostly people struggle to pay EMI, so SIP would be added burden.
20 years*12 months=240 months
240*3000=720000. Not fully free
no, it's not free , because we need to consider time value of money . 30 lakh of interest is paid over 20 years, but mutual fund return will get at the end of 20th year so the value 30 lakh will be different due to inflation.
What I mean that interest paid amount of 30 lakh will be always greater value than return will get from mutual fund
താങ്കൾ പറയുന്ന 3000 വെച്ച് 20 വർഷം അടയ്ക്കുന്നത് പൈസയൊന്നുമല്ല. എന്നാൽ പിന്നെ 6000 വച്ച് 20 വർഷം അടച്ചാൽ തുകയുടെ ഫ്രീ ആയിട്ട് കിട്ടുമല്ലോ 😄😄
Kittum, which is called SIP. Compounding intrest
Still it's not free, we pay 7 lakh, 20 thousand... 😁
+ monthly interest for 3k
Dear kenz milliondots , some people including me have some confusion in these ideas so can you please clear it by making a simple video with notes and i may help us ❤️
Sure 👍
just increase your EMI , noo need to wait up to the 20 years😂😂
Emi increase cheyyan ella bankum sammathikkumo?
Housing loan floating interest rate aan, prepayment is allowed... Alex is absolutely right... 20 years loan will get reduced to 16 years with 3k prepayment, if interest rate remains 8% itself. By prepayment you are also mitigating the risk of interest fluctuations to higher level.
@@Man_46samadikk . Latest RB provides lots of privileges to the customers.
നല്ല രസം കേൾക്കാൻ ❤️പ്രാക്ടിക്കൽ ആണേൽ ആരേലും പറഞ്ഞു തായോ 😍
ഇത് practical ആകണമെങ്കിൽ സ്ഥിര വരുമാനം വേണം കുറഞ്ഞത് 35000 രൂപ എങ്കിലും ഇതിന് വേണ്ടി matti വെക്കാൻ പറ്റുന്ന തരത്തിൽ.
ഇവിടെ പറഞ്ഞ കണക് പ്രകാരം 25000 loan akakkendi varum pinne 6000 mf ittal 20 kollam kond 30 lakh kittim ennan paranjath appoyum നമ്മൾ ഇട്ട 7lakh nashtam ആൺ സോ ഒരു 4000 എക്സ്ട്രാ ഇടാം . പിന്നെ main aayitulla kaaryam mutual funds are subjected to market risk😊😊.
Loan aduthitt emi kooduthal adachu loan vegan avasanippikuka. Rather than investing. 20 varshathinu seaham kittunna 30 lakshathinu innathe 15 lakshathinte value polim kaanilla😂😂 20 varsham sesham veedu 30 lakshathinu vekkan kazhiyilla minimum 60 enkilum vendi varum due to inflation. Pinne 20 varsham veed illatha aal kodukkunna vaadakayo pinne maasam adakkunna 3000 sip yo ath ee kittunna 30 lashathil ninnu kurayille😅
@@abyjohnson6701ok
Ottum practical alla
It's one of the most silliest ways you can plan your finances. Prioritize paying back that loan with everything you have because 8% is guaranteed interest savings vs. mutual fund, which isn't guaranteed.
Appo 6k mutual fund invest cheythal loan thirichu adakanoo..?
Bro idea is good, but you forgot to separate our investment amount from mutual fund sum. So 3000×360= 1080000.
6000 rupa invest cheythal loan free avule😊
Inflation pv factor edthall consider cheyithal .. 30 lakh value illa... Nammal nala Kittunathinne
Actually our investment in this case is Rs 7.2 lakhs, the total returns including our investment is 30 Lakhs. Hence the terminology that the loan becomes interest free is WRONG. What we can only say is that we can reduce our expenses towards interest payment to Rs 7.2 lakhs (which is our actual investment amount spent from our own pocket) from Rs 30 lakhs.
Appo sip lekku monthly investment cheyyunna paisa free allallo?....sip de returns maatram alle free ullu 😂😂
SIP after 30 years break cheythu kaashu edukanam, total capital paisa ninte kaiyil thanne ethile
@@ajeeshsunil 20 years kazhiyumbol 22 lacs profit um 8 lacs capital um cherthu aanu 30 lacs sip I'll aakunnathu....athile 8 lacs capital free allallo athu nammal infuse cheyyunna money alle 😉😉
ഇരുപതു വർഷം കഴിയുമ്പോൾ മുപ്പതുലക്ഷത്തിന്റെ വീട് ഒരു കോടിയായിട്ടുണ്ടാകും
മണ്ടനാണോ അതോ നടിക്കുന്നതോ..? 😅
He is true.
Though house might have depreciation, land value really doubles.
1 cent bough at 16k is 2.5 lakhs now.
Maybe there will not be such a boom in the future, still it will increase.
Right
@@rajtheking659 same question thannnod thanne chodhich nokku... nammude inflation rate ethryanenn ariyamo.
വീടു കോടി പോയിട്ടുണ്ടാകും.. പുതിയ വീട് വെക്കാന്‍ പിന്നെയും കോടി...😮
Edo appo adhuvare veedinu vadaka kodukkunnath aru therum pinne ippo 30l nu veedu vekan vangi 20 varsham kazhinj aaa 30l nu veedu vekkan pattilla my opinion business is the best way
30 L for Home loan
30 L pays for interest; make up 60 L
We gain 30 L from mutual fund (infact after investing 8 L over 20 years)
So (30+30)+8)-22 = 46 Lakhs alle nammal chilavakkunnath???
emi+3000 kooti bankil adachal home loan 15 years il theerille ?
Ya correct. His calculation is wrong 😂😂
5000 itta set aayille
30L interest+ 8L mf paid. Total 38L expense. Available from mf is 30L. Then 38-30= 8L lose. എന്റെ കണക്ക് ശരിയാണോ ജോസപ്പേ😂
If you are going to take 30lakhs loan just put 10 Lahks in any land or property after 20 years 3 to to 4 times value will be. increase.
What if there is situation like covid or market crash hppnd in US then the market collapse and we might not get the expected return which we calculate now
സിപ്പ് അല്ലെങ്കിൽ മ്യൂച്വൽ ഫണ്ട് എന്നതിലുപരി പ്രോപ്പർട്ടി ഏറ്റവും വലിയ നിക്ഷേപമാണ്
Mone, what about the charges the SIP usually charge. If you say it specifically would show your clarity on the subject. You speak like every investment manager.
പറഞ്ഞതൊക്കെ ശെരിയാണ് പക്ഷെ "inflation" ഉള്ളദ് മറക്കരുത്😌👍🏻.
3000 per month till 20 years means we have to invest 7.2 lakh which will grow as 29.97 lakh. If we consider 12% growth. Means the money we invested which is 7.2 lakh is still is a lose..
Totally nokumbo engine lose aavum??
If banks are giving out loans at 8%, I am getting it blindfolded. I mean RBI repo rates are at 6.5 and inflation is around 7%
Let's calculate guys : 3000*20 years= 720000. Mutual fund interest let's take an average 9% per year so, 9 %×20 =180 %× 720000= 1296000+720000 = 20,16000😂 total (it can be one year 4% or 13% taken an average this also may calculated yearly capital growth× interest rate for 20 years)
Conclusion= 12,96000 Rs. Is the profit not 30 laksh in anyway. ( note : Markets can vary chances you might get less than this also bit increase)
He meant 3000 per month
U are exactly right, I don't understand how he got 30 lakh as return from mutual
Please consider Time value of money
Still we have to pay 30 lakhs.. still not free.. we are just paying the interest, bank doesn't give things for free😇
But we much choose right SIP plans….
Appo bankin mutual fundil paisa ittapore ? Nthin naatukaark loan kodkunnath 😊
Ath point
Because mutual fund return aaavaan time edukkum..loan aavimbol adachillel kandukettaam😅
Avar stocks bonds idundelo
Mutual Fund
3000*20yrs(240)=720000
Itho 😢
Bro mutal fund anu allathey savings alla ithil profit kittum nammal idunna cashil nammakk interest kittum
Bro agane calculate cheyyaruth
3000 ittal athinte interest next month 300 kittinn vajarikka total 3300 aaille next month aavumbo 3300 nte interest aavum kittua agane calculate cheyyanam
But 8% intrest 48 lakhs verunundallo for 20yrs
7 ലക്ഷത്തി ഇരുപതിനായിരത്തിന് 6.5% interest + interest ന്റെ interest ഉം കൂട്ടിയപ്പോൾ 20 വർഷത്തേക്ക് 1220000/- മാത്രമേ എനിക്ക് കിട്ടിയുള്ളൂ..🙏
സത്യത്തിൽ, മ്യൂച്ചൽ ഫണ്ടിൽ എത്രയാ ഇന്ററസ്റ്റ്..
3 varsham sbi mutal fundil deposit cheythu...Thirichu athe thuka thanne kitti😂
Maheen Machaan enna oru RUclipsr und ...പുള്ളിയുടെ അതേ sound ✅
How about the living until the mutual fund expiry? Who will pay the rent?
20 years kazhiyumbo 30lakh nu veeduvekan patumo, considering the inflation?
There is also one more thing after 20 years 20lakh value will be different because (time value of money ) .Iam I right ?
One is Loan and other one is Investment.. Loan without fail you have to repay it and at the same time Mutual Funds are always depends on market risk.. the comparison is made here is not really correct….i think
Just a simple math question, I take 30 lakh loan and pay 60 lakh with 8 percent interest, but the other 3000 I am not minusing from the EMI right. I am investing that differently, then how is it free. My extra investment of 3000 only would give me 30 lakh. So best is to pay off the loan before 10-12 years if possible. As your salary would increase and inbetween bonuses or something you get, pay it off.
ആ 3000 രൂപ എക്സ്ട്രാ loan അടച്ചാൽ ഇതിലും ലാഭം അല്ലേ??, principal will come down, hence the interest paid will too.
No . interest on loan 12% undaavullu. but mutual fund 20% average undaavum . nammal mutual fund ill idaathe loan ilek adachal aa 8% namuk nashattam aakum. aa differnece namuk oru advantage aayit use cheyyam. this is proved
@@azadsvinodmotta undavum 20%. U can expect maybe 12-14 % after you deduct mutual fund expenses. That's it.
Sir mutual fund - viswasikkan pattillallo
Mkt fluctions undaville
@@anupamasdrawing7166 100% fluctuations undavum. But oru 10 years consistent aayi invest cheythal pinne fluctuations undayalum , athyavasyam return kittum. But 20% annual return is very rare. But can expect better than fixed deposit. But not clearing loan and investing is foolish
@@anupamasdrawing7166long term cheyu avg around 12% und
How is this? Can you explain more?
Now midnight...go and sleep...you will be alright tomorrow...
He read ( Rich dad poor dad series) Robert Kiyosaki's book and converts Roberts Book in Malayalam and picture himself as the creator of the theory
Also why does he have to make all reels & Million dots if he has found the solution for everything.
To all people out there, Investments in Stocks is risky if not done properly. 50 years in Stock market also dont educate you as the topic itself is very broad. Make money through Job or business, Invest the amount you dont need immediately after first investing in Health & Term Loan, then start SIP of Stock investment for long term.
Do not trade watching after watching all those motivators. Trading is a speculation and not even warren buffet can predict the market. One can gain and put up videos but they can lose everything other day also. Also do that only if you have sufficient money after you bills & emergency. Dont take loan to invest or trade.
Last & Finally, Give credits to the Author (reference point which you used to motivate everyone). Also mention that I took this point from this book
appo 2 kollam kond veeduvakkan theerumanichavan,20 kollam kathu ninnu kettiyal mathiyaa😂😂😂
30 lakh നു 20 വർഷത്തേക്ക് 30 lakh നു മുകളിൽ പലിശ വരും സുഹൃത്തേ
Athaayath ramana, ningalde kayyil 10 apple ind. Oru apple thinnumbo adutha apple medichu varanam,ingane cheyyumbo apple theerumenna pediye venda.
Don’t forget the main point, after 20 years 30L won’t be the same as 30L now!!
But ippol 30 lakh aanenkil 20 year kazhiyumbol 30 ennunnal chilavu ekadesh 60 nu aduthu aakille? 🤔 Pinney ithu kondu nta gunam?
What u said is absolutely wrong. 3000× 240 month=720000.we have to pay through out 20 yrs. Then only we get 30 lakhs. Then how can u say that it is free of interest. 30lakh - 7.2lakh=22.7 lakh we can use as bank interest.
Yes, that's the right explanation. he's simply misleading with improper explanation
Interest rate floating aanenkil 20 kollam kazhiyumbol inflation kaaranam repo change aakille, appo mutal fundinte return aayi match akuo
ബ്രോ mutual fund investment nammak prestheekshikkunna oru consistent returns tharanamennillallo.. Which is based on the markets..
Bro ath free alla 20 years nammude 3000 goes through inflation.
Can u explain the risk factor
Time is money not mutual funds. A rupee worths today than that of tomorrow 😅
Ippolathe aavashyam nadakkan 20 kollam kazhinju cash kittiyit kaaryam undo?
Pakshe 20 varsham kazhjal 30 lak nu veedu vekkan patuo?...paisa koodille
Material rates are incresing day by day. So today your calculation for home is 30 lkhs then after 20 years what will be it.
Where do bank gets the money
30Lakhs 8% interest for 20 years...How it will be 30 Lakhs? Can you please explain?
Mutual fund il itt aa Paisa koodi pokunnu enkilo???
Mutual fund grow cheithillegil enthu cheum, kazhinja 3 varshamai ethegilum mutual fund return thannitundo,
The truth is that after 20 years your home will worth 1 crore.
Interest adachilla engil Adalath vekkumbo nammak interest omit chayth tharathille..angane keetitund
Appol 0.2% invest cheyathal loan and interest free akumallo. 0.3% invest cheythal.. additional loan amount kittumaloo 🤔
Chetta, innu 30 lakh inu veedu vaikaan pattumenkil, 20 years later athe veed vaikkan oru ×2.5 times enkilum aaville... Athaayathu oru 75 lakh enkilum aaville?... Annu 30 lakh kaiyil vachitt entha kaaryam?
Any suggestions on any particular mutual fund
mutual funds are subjected to market risk.. what if its loss..?
ഇത് ഒരു ഉറപ്പും ഇല്ല, ലോൺ എടുത്തു വീട് വെക്കുമ്പോൾ കൃത്യമായി ലോൺ അടച്ചാൽ വീട് എങ്കിലും ബാക്കി ഉണ്ടാകും 🙏
Loan aduthitt emi kooduthal adachu loan vegan avasanippikuka. Rather than investing. 20 varshathinu seaham kittunna 30 lakshathinu innathe 15 lakshathinte value polim kaanilla😂😂 20 varsham sesham veedu 30 lakshathinu vekkan kazhiyilla minimum 60 enkilum vendi varum due to inflation. Pinne 20 varsham veed illatha aal kodukkunna vaadakayo pinne maasam adakkunna 3000 sip yo ath ee kittunna 30 lashathil ninnu kurayille😅
Years before I invested 3 lakhs. After four years I got only 1.5 lakhs.
അപ്പോൾ 3000*20 years എവിടെ കൊള്ളിക്കും അതു ബാങ്കിൽ ഇന്റെരെസ്റ്റ്‌ ആയി അടച്ചാൽ പോര? 😮😮😮
Ela month um 3000 invest cheyano? Apo athu eganya free avane
What about time value of money!?
Athyavashakaranaya Veedu vekkan pokunna aalinae sambandichidatholam ayal orikalum mutual fundil invest cheyyilla because Market risk matters but Veedu ennu parayumbol it is an asset house value depreciation anenkilum land value increase cheythukond irikkum athukond loan EMI adhachalum kuzhappamilla. Pinnae ayal marichupoyalum aa asset ayalude makkalkku kittum as per agreement, oru physical asset ayathukond pedikenda karyam illa ottavum kurava. Mutual funds il nominee set up ok undenkilum it is subject to market risk and it’s not a physical asset.
Pakshe eathu mutual fundil edum? Kitum eannu entha urapu....can be loss also🤔🤔🤔
What about the time value of money?
What will happen if market crashes 😂😂
mutual funds are subject to market risk
Oru doubt...3000 × 2 randakki mutal fundil ittaal free aayi idunnat pole aaville
Add the Time Value of Money also.
ഇരുപത് വർഷം കഴിഞ്ഞാൽ 30ലക്ഷത്തിന് കപ്പലണ്ടി വാങ്ങിത്തിന്നാം 😜
10k monthille kittan ethara fund invest chiyannam. Parayo
Eppam 30 lakhs koduthu indakunnu veedu after 20yrs 30lakhs nu indakaan patumo ? Labour charge, building materials charge ellam koodule ?
Eppam 30 lakhs ne kondu finish cheyaan patunna veedu after 20 yrs nu adu 50 or 60 lakhs mudaki indakende verum.
So, who will pay the tax for mutual fund amount. Calculate the overall Tax
30 lk nu kitunna oru house after 20 yrs , 1 cr enkilum aakum apo balance 70lk loan edukkam alle bro
Loan edukkumbo appo thanne paisa kittuollo, Mutual fund 20 years kathu nillkkande boss