Nice video. One thing missing in this. We can reinvest the rent into equity similar to how one would reinvest dividend income . If we are talking about long term investment return, we should factor investment opportunity using liquid cash(rent).
அதுக்கு பருத்தி மூட்டை குடோன்லயே இருக்கலாமே.. You can invest the capital in equity market.. Risk is everywhere.. Depends your age... In building rental also its depends on various factors like tenant, Building is also a bell curve.. It also losses its value in lon....g term.
சூப்பர் சார். ஒரு சில மாதங்களுக்கு முன் வரை எனக்கு குழப்பம் இருந்தது. தெளிந்தேன் நன்றி. நீங்க சில வீடியோக்கள்ள சொன்ன மாதிரி இங்க எமோஷன்ஸ் தான் அதிகம் ப்ளே ஆகும். சாதி மதம் பார்த்து நம்மள யாரும் வெளியேற்ற முடியாது. கொரானா காலத்துல வீடு கிடைக்காம அலைஞ்ச பல பேர் இருக்காங்க. இருந்தாலும் அந்த எமோஷன்ஸ் பொருளாதார ரீதியில் வர்த்தா அப்படீன்னு நம்ம இந்த கால்குலேட்டர் வச்சு தெரிஞ்சுக்களாம்
Thank you Sir. I was waiting for a video like this to justify myself if rental home investment is worthy as it sounds. I hear lot of ppl around me buying homes & renting..
Thanks Vijay! Prior to start watching your videos purchased rental property in NC around mid 2022. Its break even for now using your calculator but started my investment index funds last 2 months! Thanks for all your wealth of financial wisdom from your experience!!
Nice video. Few points to add, One can deduct home depreciation, maintenance expense and mortgage interest from taxable income in the US. This will bring adjusted gross income which may help bring other credits such as child tax credit.
Hi Sir, I am kiruba. One personal request. could you create a video on comparing salary ranges in USA VS India. why people moving to USA rather staying in India ? what are the benefits we get for us and for our kids financially ...
Thank you so much for all the knowledge you imparted to us! I've been watching all of your videos (some repeatedly) to train myself on proper financial planning. Wish we learned these concepts at an early age, or in school. Funny how we grow studying specialization topics early in life and close to zero financial knowledge (atleast myself). This channel fills the gap profoundly and we're grateful to you!
Any property you invest always has to be in right location and price point you purchased it , interest rates also adds in . You gain from investment property via equity build up and not getting passive income from day 1. I purchased an investment property and have gained 10% within first 3 months . Your tenant is building wealth for you no wonder it has its own pitfalls via maintenance and good tenants but still worth it .
Good day, Sir, Darshan here. I cant think anything, It's like more of a coincidence. I was planning to buy a home and you uploaded a video. Thank you, Sir, for sharing your thoughts on this.❤ P.S. Congratulations on reaching 2Lakh subscribers, Sir. Wish you still reach even more. 🎉
You forgot to consider multiple things in the video. for rental houses -Tax benefits, house deprecation & vacancy rates. And for Index funds - Taxes & dividends
If they were already staying on rent, then the rent may disappear as soon as they buy the new house. So, the rent that's cut off & and the money you save on tax should also be taken into account. If added, the cashflow will improve and result in a higher IRR.
Wonderful video Vijay ! It has to be noted that while you can buy 2nd or 3 rd homes and build a portfolio of home through leverage ,this is not possible in the stock market scenario /investing in a REIT or Index. While margin can be utlized , margin. calls is a huge risk vs hard assets in the housing market. (Housing melt downs are rarer than stock market meltdowns)
Good explanation. but if we invest in index funds we can enjoy return in future, but we have to pay our monthly rent till we enjoy that return on that end of 15th year.. we have to consider that point as well, Vijay
There are major differences in rental between India and USA. Also depends on whether you are paying down cash or loan. with current interest rates at 8% we might end up doing some cash from hand every month. But yes, appreciation will be there
Congratulations on reaching 2L subscribers. Thank You Vijay Sir. Excellent explanation. But to keep it very simple even bank FD rate of 7.2% interest per annum would give an interest of 32400 per month even after subtracting 10% tds. By rule of 72 60L will become 1.2C in 10 years. So rental income can't even beat bank FD rates. Correct me if I'm wring. Definitely lower than Equity. Another factor is if the individual takes bank loan to purchase this then needlessly to say the return will be very very low. Yes all other challenges neatly explained by you Sir.
Nothing is wrong with your take. It is called personal finance for a reason. I am like you. I would prefer equity growth over real estate and I am OK with the volatility it comes with it. But I cannot expect that from everyone. There are many who would trade the equity volatility for RE stability. There is nothing wrong with that as well.
For Indian brothers I advise renting is better than buying. If you bought before 2010 you are good. There is no real estate appreciation in India after 2010. I have flat in India which is renting for 20000 but the call of the asset is 2 crores in t nagar
Congratulations Vijay and thanks for sharing wonderful information. In Australia we have tax benefits for investment properties like interest paid, all expenses, council rates etc we may need to consider that as well.
Congratulations Vijay on 200k 🎉🎉🎉, I have a doubt, when covid hits the market, everyone will be thinking like life is going to be not sure let us sell all our equities, saving and prepare for the covid right? did you also got the same feel or how did you stay invested even at covid time. If you can share your investment psychology, you managed at crisis time that will be very much helpful for others like me, Thanks 👍
If it is the end of the world what good is the money going to do for me? So that was not a reason to sell for me. But flip the premise. What if it is not the end of the world as everyone fears? I will be positioned to gain. That was my rationale for staying invested during COVID.
Thanks sir.. it’s really helpful and informative… I have a request: could you please make a video on Recurring deposit and சீட்டு பணம்… ? Thanks in advance
Once more fact concern also to be noted,after 15 or 20 years of time,building value start decreasing…at final, you possibly earned the constructed coat only from rental
Very informative Sir. Can you pls share info about how to invest in index fund for a beginner who don’t know anything about stock market and provide your suggestion on where to invest in the current market or to wait.
If you buy an apartment you cant expect a steady 5% growth every year. That too if you buy an apartment outside city limits then definitely not possible.
HI Vijay. Thanks from UK. Useful video. I believe the mortgage options considers repayment option. Can we have tab with interest only mortgage? Not sure if it will make a difference.
Rentals are not for everyone and it usually is a bad investment. 1) Rentals don’t create products and hence wealth. Companies create products and hence the best talent goes to create products and hence salaries and stock valuations. 2) It is a fixed asset and not liquid. You can’t sell easily. 3) The hassle of finding renters and dealing with them and finding new ones every so often and keeping up the rental’s maintenance is a pain. It is not for the faint hearted. 4) The return on investment is lower. 5) The returns on stocks is better than rentals and is liquid and companies create wealth.
Hi sir, all your videos are very informative and useful. I have a doubt in your house rental calculation on mortgage. In india house loan interest can be shown in Tax old regime. for an amount of upto 2 lakhs. I believe even that should be considered as we are saving on the interest paid. If I am wrong, kindly clarify it.
Hi sir i am from Tamilnadu krishnagiri. I have an inheritance property worth more than 12 crore,, 6 ground total ,, I got monthly 120000 as rent,,, now I have to sell my half of property and investing in index fund it is a good idea ,, good deal
@@InvestmentInsightsTamil erunthallum oru doubt than 😂😂😂 why means all questions ku answer panuringala adhaa, Sari edho AI 🤖hire panitaru polaa nu oru tirunelveli Kararaa pathu thapa nenachuten 🥲
I kind of see most people like you promoting stocks including mutual fund as the only investment option that people have to consider. Peoples requirements may be different and every single investment instrument is there in the world to satisfy different requirements I believe.
My dad bought a land in Guduvanchery for 90K before 30 yrs. Built a house for 3L before 25Yrs. Now rent yeild is 10K/PM. Land rate is increased to 80L. Looks like investing in land gave good returns compared to rental yeild. But the catch is we have to wait patiently to get good returns in real estate or stock market and if our requirement is monthly yeild then rental or fd is better. According to me after 2008 real estate market inflated too much.
Thank you so much Vijay! I have listened to most of your videos. As a matter of suprise we both were traveling parallely in career life. Infact was in Chicago area around 2011 to 2015 wish I was in your network during that time to rejoice my FIRE now. 🙂@@InvestmentInsightsTamil
I am living in USA for the past 10 years. Recently I booked a property in Dubai in off payment plan ie paying monthly to the developer directly w’out any interest or mortgage. At the end of 2 years you own the property and you can give it for rental. There are no property and income tax in Dubai. It will give you a rental yield of 9~10%. But after watching this video I am thinking will it be worth. In this case may I know how to calculate the returns?
Hello sir, Thank you so much for your awesome video and happy to know that you are also studied from Anna university Guindy campus, Chennai. I have a query in the excel sheet, I believe that house value will be depreciated over the time only land value will be appreciated. For example, if I am spending Rs. 50Lakh to build a house for rental income in our existing plot, do I need to use house price depreciation/year instead of house price appreciation/year in the excel sheet? Thanks in advance!
Sir to your point @9:43 to just invest in index fund as opposed to a rental investment. How and when (i.e such that the investment does not loose its principal value) can we create an income from an index fund investment ? i.e How long should we wait till we can start withdrawing cash from the investment such that we do not loose the original principal value ? e.g i wish to receive 2000$ monthly income so then how much money should have been invested in index fund so i can begin this systematic withdrawl plan ?
Sir, I have 5 properties and I made my money double in just 4 years. In USA all depends on the lending rate. If you buy in 2-3% lending you double your money in just couples of years. But I don’t advise to buy in this high interest rate market. Again don’t compare with index funds. You are comparing apples and oranges. House is an asset classification which you can touch and feel. But stocks and index funds are paper assets and can go bankrupt anytime.
Useful information 😊,.. I’m not working but I need monthly passive income so which is best Fixed deposit or rental income ? Pls share ur knowledge abt this topic na,..
Good explanation. But I felt you missed one thing here. You are just giving the sum of every year cash flow. Obviously every year cash flow will invested for at least with 6% returns. If you think about in compound interest. Then it would be more than what you have calculated i believe. Please correct me if I am wrong.
The focus is on returns from rental home. What you do with the returns is your choice. See it as "panam kaaikum maram". It will be evaluated based on how much panam it creates. Not on what you can do with that "panam".
Vijay Mohan Sir, I am so happy, to hear that your native is Tirunelveli. I watching your channel regularly.. I am learning through your videos.. You are my mentor... Before I have no knowledge how to saving money. Sir, I am from Alangulam near Tirunelveli, I am Govt servant and my age : 44. and I just now started investment in metual fund in Large Cap through SIP.. I need your advice which fund I should select Equivity fund or Index fund becase of my age....
Hi sir.. I'm currently in govt service in TN.. planning to buy a land for investment purpose (35lakhs budget with bank loan)... is it good idea or investment in mutual fund or stock investment is good
Super !! முதல்ல என் மாமனாருக்கு இந்த video அனுப்பிடென் !! 🙏 இனிமே தொல்லை விட்டுது
🤣
😂
😂😂😂
எங்க போனாலும் மாமானார்கள் தொல்லை😢
Haha
Great worksheets. One thing that is missing is that tax needs to applied to income which will be at the marginal income tax rate.
Most underrated Finance channel!!
Nice video. One thing missing in this. We can reinvest the rent into equity similar to how one would reinvest dividend income . If we are talking about long term investment return, we should factor investment opportunity using liquid cash(rent).
Good point.
No but most people buy homes on loan, so they would only be able to repay the loans
அதுக்கு பருத்தி மூட்டை குடோன்லயே இருக்கலாமே..
You can invest the capital in equity market.. Risk is everywhere.. Depends your age...
In building rental also its depends on various factors like tenant,
Building is also a bell curve.. It also losses its value in lon....g term.
Super Sir, stock fundamentals EPS, PE, PB ratio, ROE, ROC pathi oru stock ah example ah vachi explain pannunga ellarukum useful ah irukkum. Neenga simple ah ellarukum puriera Mari explain pannurenga. Keep up the good work.
சூப்பர் சார். ஒரு சில மாதங்களுக்கு முன் வரை எனக்கு குழப்பம் இருந்தது. தெளிந்தேன் நன்றி. நீங்க சில வீடியோக்கள்ள சொன்ன மாதிரி இங்க எமோஷன்ஸ் தான் அதிகம் ப்ளே ஆகும். சாதி மதம் பார்த்து நம்மள யாரும் வெளியேற்ற முடியாது. கொரானா காலத்துல வீடு கிடைக்காம அலைஞ்ச பல பேர் இருக்காங்க. இருந்தாலும் அந்த எமோஷன்ஸ் பொருளாதார ரீதியில் வர்த்தா அப்படீன்னு நம்ம இந்த கால்குலேட்டர் வச்சு தெரிஞ்சுக்களாம்
Thank you Vijay 😊
It seems you are engaged enough in the life even after FIRE and we miss your regular videos
Good video. One thing you need to cover also is the tax difference. Post tax income is important since rental incomes are in the highest tax bracket.
Good point!
Thank you Sir. I was waiting for a video like this to justify myself if rental home investment is worthy as it sounds. I hear lot of ppl around me buying homes & renting..
Thanks Vijay! Prior to start watching your videos purchased rental property in NC around mid 2022. Its break even for now using your calculator but started my investment index funds last 2 months! Thanks for all your wealth of financial wisdom from your experience!!
Thanks for sharing your experience.
Brother, appreciate your great initiative educating common man on wealth creation and management. வாழ்க வலிமையுடன்!
Nice video. Few points to add, One can deduct home depreciation, maintenance expense and mortgage interest from taxable income in the US. This will bring adjusted gross income which may help bring other credits such as child tax credit.
Great video. Few things missed, tax pros/cons of rentals, vacancy rate usually 10%.
Hi Sir, I am kiruba. One personal request. could you create a video on comparing salary ranges in USA VS India. why people moving to USA rather staying in India ? what are the benefits we get for us and for our kids financially ...
Thank you so much for all the knowledge you imparted to us! I've been watching all of your videos (some repeatedly) to train myself on proper financial planning. Wish we learned these concepts at an early age, or in school. Funny how we grow studying specialization topics early in life and close to zero financial knowledge (atleast myself). This channel fills the gap profoundly and we're grateful to you!
You are so welcome!
Second part interview after your retirement ( fire journey) very very useful for me thank you great interview
Any property you invest always has to be in right location and price point you purchased it , interest rates also adds in . You gain from investment property via equity build up and not getting passive income from day 1. I purchased an investment property and have gained 10% within first 3 months . Your tenant is building wealth for you no wonder it has its own pitfalls via maintenance and good tenants but still worth it .
நீங்கள் சீக்கிரம் 1M subscribers வருவதற்கு என்னுடைய வாழ்த்துக்கள் sir 🎉🎉🎉🎉
Good day, Sir,
Darshan here.
I cant think anything, It's like more of a coincidence. I was planning to buy a home and you uploaded a video. Thank you, Sir, for sharing your thoughts on this.❤
P.S. Congratulations on reaching 2Lakh subscribers, Sir. Wish you still reach even more. 🎉
You forgot to consider multiple things in the video. for rental houses -Tax benefits, house deprecation & vacancy rates. And for Index funds - Taxes & dividends
வாழ்த்துக்கள் சார்💐💐💐(2lakhs followers)
Watching your videos with English subtitle, worth watching. My portfolio is also growing like anything.
If they were already staying on rent, then the rent may disappear as soon as they buy the new house.
So, the rent that's cut off & and the money you save on tax should also be taken into account. If added, the cashflow will improve and result in a higher IRR.
Wonderful video Vijay ! It has to be noted that while you can buy 2nd or 3 rd homes and build a portfolio of home through leverage ,this is not possible in the stock market scenario /investing in a REIT or Index. While margin can be utlized , margin. calls is a huge risk vs hard assets in the housing market. (Housing melt downs are rarer than stock market meltdowns)
Good explanation. but if we invest in index funds we can enjoy return in future, but we have to pay our monthly rent till we enjoy that return on that end of 15th year.. we have to consider that point as well, Vijay
Thanks Vijay.... need a super like icon for this.
அருமை 💐💐
There are major differences in rental between India and USA.
Also depends on whether you are paying down cash or loan. with current interest rates at 8% we might end up doing some cash from hand every month. But yes, appreciation will be there
Thanks for sharing with actual numbers. In going to show this to my father 😅
Congratulations on reaching 2L subscribers. Thank You Vijay Sir. Excellent explanation. But to keep it very simple even bank FD rate of 7.2% interest per annum would give an interest of 32400 per month even after subtracting 10% tds. By rule of 72 60L will become 1.2C in 10 years. So rental income can't even beat bank FD rates. Correct me if I'm wring. Definitely lower than Equity. Another factor is if the individual takes bank loan to purchase this then needlessly to say the return will be very very low. Yes all other challenges neatly explained by you Sir.
Nothing is wrong with your take. It is called personal finance for a reason. I am like you. I would prefer equity growth over real estate and I am OK with the volatility it comes with it. But I cannot expect that from everyone. There are many who would trade the equity volatility for RE stability. There is nothing wrong with that as well.
For Indian brothers I advise renting is better than buying. If you bought before 2010 you are good. There is no real estate appreciation in India after 2010. I have flat in India which is renting for 20000 but the call of the asset is 2 crores in t nagar
Congratulations Vijay and thanks for sharing wonderful information. In Australia we have tax benefits for investment properties like interest paid, all expenses, council rates etc we may need to consider that as well.
நன்றி , 🙏 மிகவும் தேவை இப்போது
Watched your interview in finance boosan chennal,,, very useful information about you sir ,,, nice interview 🎉🎉🎉
❤thanks Vijay I am also Tirunelveli your videos very useful my investment journey thanks.
Namaskaram. Congratulations Sir. God bless you all. Good luck.
Congratulations Vijay on 200k 🎉🎉🎉, I have a doubt, when covid hits the market, everyone will be thinking like life is going to be not sure let us sell all our equities, saving and prepare for the covid right? did you also got the same feel or how did you stay invested even at covid time. If you can share your investment psychology, you managed at crisis time that will be very much helpful for others like me, Thanks 👍
If it is the end of the world what good is the money going to do for me? So that was not a reason to sell for me. But flip the premise. What if it is not the end of the world as everyone fears? I will be positioned to gain. That was my rationale for staying invested during COVID.
Thanks Vijay for your insightful videos.I enjoy watching your videos as i learn something new everytime !!
Thanks sir.. it’s really helpful and informative… I have a request: could you please make a video on Recurring deposit and சீட்டு பணம்… ? Thanks in advance
Once more fact concern also to be noted,after 15 or 20 years of time,building value start decreasing…at final, you possibly earned the constructed coat only from rental
Buy house with corpus , looks decent investment. But equation drastically changes with home loan which people fall into trap
நாம்வாங்கும்வீட்டின் வாடகைதவிர அந்த இடத்தின்விலைஉயரதேசார்.
Very well explained Sir !
Very informative Sir. Can you pls share info about how to invest in index fund for a beginner who don’t know anything about stock market and provide your suggestion on where to invest in the current market or to wait.
Thank you for making this video and Congratulations for 200k subscription reached 🎉
ippadi 1 % kuda nadaka chance illa veedu vacant va irukatha, regular rent yethava mudiyathu vera cheap irutha mariduvaga...
First of all good Information thank you sir❤ please share the idea of loan against empty plot to construction of rental house without downpayment
Guys sir given interview to finance boosan ... happy to see sir with boosan...
வாழ்த்துக்கள் விஜய்மோகன் சார்🎉
Thanks Vijay! Simple and clear explanation!
Congratulations sir for 200k subscribers
If you buy an apartment you cant expect a steady 5% growth every year. That too if you buy an apartment outside city limits then definitely not possible.
Vazhthukkal sir. Big respect
Adhn bro veedu vanginathuku ellam amount bank la potu vatti vangikalam veedu vadakaiku vettu tholla bro
Congratulations sir u reached quickly 1 million 🎉🎉
Muthala 300K ku povom. 🤣
Sir. Pothuva ippudi comments poda Matan. I would say. 1Mn deserve ur Channel 😅
Please give idea on Buying land as Investment. Does it more worth compared to rental income ?
thank you vijay mohan sir
வாழ்த்துகள்! 💐💐💐
Congratulations on 200K and more! Love from Chennai ❤
Congratulations 🎊 👏
Interest 7% is not an fixed one.in india its an floating one..so it may increase or decrease..we can't expect 10.31%.
HI Vijay.
Thanks from UK. Useful video.
I believe the mortgage options considers repayment option. Can we have tab with interest only mortgage?
Not sure if it will make a difference.
Another informative video as usual ❤
Thank you VijayMohan 👍🏻👏🏻
Rentals are not for everyone and it usually is a bad investment.
1) Rentals don’t create products and hence wealth. Companies create products and hence the best talent goes to create products and hence salaries and stock valuations.
2) It is a fixed asset and not liquid. You can’t sell easily.
3) The hassle of finding renters and dealing with them and finding new ones every so often and keeping up the rental’s maintenance is a pain. It is not for the faint hearted.
4) The return on investment is lower.
5) The returns on stocks is better than rentals and is liquid and companies create wealth.
Sir I m waiting for this video and this topic without watching
Congratulations sir 👏👏👏 I Wish you get more subscribers soon.. Thanks❤❤❤
Sir, can you please a video on Stock Options ie receiving company stock as pay and how it is taxed. Pros and cons. Thanks you!
Hi sir, all your videos are very informative and useful. I have a doubt in your house rental calculation on mortgage. In india house loan interest can be shown in Tax old regime. for an amount of upto 2 lakhs. I believe even that should be considered as we are saving on the interest paid.
If I am wrong, kindly clarify it.
Super sir congratulations 🎉🎉🎉👍for investment insights hardwork
Your videos are very helpful and good .pls continue to post such .
Vazthukal Vijay
Sir great work and effort. Thank you for the insights 👍
If it is flat in chennai then capital depreciation happens rapidly with age of the building.
Sir pls post at least two video every month.
Hi sir i am from Tamilnadu krishnagiri. I have an inheritance property worth more than 12 crore,, 6 ground total ,, I got monthly 120000 as rent,,, now I have to sell my half of property and investing in index fund it is a good idea ,, good deal
Only you can answer that. I have provided you with the tool. You can use it to make your decision.
@@InvestmentInsightsTamil thanks for response sir
I plan to sell half of my inheritance property this is my decision sir thank you for great video
Congratulations 🎉 guruvay for getting 200k students ❤
Enaku oru doubt reply lam nengaa than panuringala ella admin naaa???😅
🤣
@@InvestmentInsightsTamil Ungal சிரிப்பு ADMIN endru eduthu kolatumaa 😂
@@mr_robot1587 Namma channela aadhi muthal antham varai ellamey Naan thaan.
@@InvestmentInsightsTamil erunthallum oru doubt than 😂😂😂 why means all questions ku answer panuringala adhaa, Sari edho AI 🤖hire panitaru polaa nu oru tirunelveli Kararaa pathu thapa nenachuten 🥲
Good information vijay!🎉
I kind of see most people like you promoting stocks including mutual fund as the only investment option that people have to consider.
Peoples requirements may be different and every single investment instrument is there in the world to satisfy different requirements I believe.
My dad bought a land in Guduvanchery for 90K before 30 yrs. Built a house for 3L before 25Yrs. Now rent yeild is 10K/PM. Land rate is increased to 80L. Looks like investing in land gave good returns compared to rental yeild. But the catch is we have to wait patiently to get good returns in real estate or stock market and if our requirement is monthly yeild then rental or fd is better. According to me after 2008 real estate market inflated too much.
comapre it with 90k invested for 30 yrs in nifty 50
@@Dman54321 it's around 60L when invested in Nifty 50 even if it calculated at 15%
Thank you Vijay. All your videos are very useful. Can you post some content about Wash sale? and how to better manage it.
Watch the Tax loss harvesting episode. Some of it is already there: ruclips.net/video/5l8Sm8rLW44/видео.html
Thank you so much Vijay! I have listened to most of your videos. As a matter of suprise we both were traveling parallely in career life. Infact was in Chicago area around 2011 to 2015 wish I was in your network during that time to rejoice my FIRE now. 🙂@@InvestmentInsightsTamil
Sir your thought on AMD company shares is it worth to hold for longer period.
Please do reply.
I am living in USA for the past 10 years. Recently I booked a property in Dubai in off payment plan ie paying monthly to the developer directly w’out any interest or mortgage. At the end of 2 years you own the property and you can give it for rental. There are no property and income tax in Dubai. It will give you a rental yield of 9~10%. But after watching this video I am thinking will it be worth. In this case may I know how to calculate the returns?
Just update the cashflow that matches your scenario for every year. That is all to it.
Should we not have to include the depreciation value of the home? Is it implicitly captured anywhere in this calculation?
Hello sir, Thank you so much for your awesome video and happy to know that you are also studied from Anna university Guindy campus, Chennai. I have a query in the excel sheet, I believe that house value will be depreciated over the time only land value will be appreciated. For example, if I am spending Rs. 50Lakh to build a house for rental income in our existing plot, do I need to use house price depreciation/year instead of house price appreciation/year in the excel sheet? Thanks in advance!
Swp plan is best because they can give more return
Congratulations for 200K subscribers🎉🎉
Sir to your point @9:43 to just invest in index fund as opposed to a rental investment. How and when (i.e such that the investment does not loose its principal value) can we create an income from an index fund investment ? i.e How long should we wait till we can start withdrawing cash from the investment such that we do not loose the original principal value ? e.g i wish to receive 2000$ monthly income so then how much money should have been invested in index fund so i can begin this systematic withdrawl plan ?
Good one .. but if we keep as land investment it’s a loss ?
Cheer up sir. Keep on educating us💯🔥👍
Sir, I have 5 properties and I made my money double in just 4 years. In USA all depends on the lending rate. If you buy in 2-3% lending you double your money in just couples of years. But I don’t advise to buy in this high interest rate market. Again don’t compare with index funds. You are comparing apples and oranges. House is an asset classification which you can touch and feel. But stocks and index funds are paper assets and can go bankrupt anytime.
Thanks for sharing your experience.
Useful information 😊,.. I’m not working but I need monthly passive income so which is best Fixed deposit or rental income ? Pls share ur knowledge abt this topic na,..
Well done sir. Your channel is precious. Congratulations for the feat. Way to go. Cheers
Congrats Vijay sir, subscribed when your channel was 1k.
You deserve to be honoured for the service to society🎉🎉
Glory to you❤
So nice of you. Thank you for the continued support.
Congratulations Sir for reaching 200k subscribers.
Sir mutual funds are subject to Market risk , rent income is safe then mutual funds. It is better to invest in both
Good explanation. But I felt you missed one thing here. You are just giving the sum of every year cash flow. Obviously every year cash flow will invested for at least with 6% returns. If you think about in compound interest. Then it would be more than what you have calculated i believe. Please correct me if I am wrong.
The focus is on returns from rental home. What you do with the returns is your choice. See it as "panam kaaikum maram". It will be evaluated based on how much panam it creates. Not on what you can do with that "panam".
Vijay Mohan Sir, I am so happy, to hear that your native is Tirunelveli. I watching your channel regularly.. I am learning through your videos.. You are my mentor... Before I have no knowledge how to saving money.
Sir, I am from Alangulam near Tirunelveli, I am Govt servant and my age : 44. and I just now started investment in metual fund in Large Cap through SIP.. I need your advice which fund I should select Equivity fund or Index fund becase of my age....
Here is my recommendation: Equity Portfolio: ruclips.net/video/KdCs3EWGJvQ/видео.html
Hi sir.. I'm currently in govt service in TN.. planning to buy a land for investment purpose (35lakhs budget with bank loan)... is it good idea or investment in mutual fund or stock investment is good
Only data only points..full of sharp info..u made all other US desi channels byte dust!!!
Can you post a vedio about tesla and the managent gossips??