I have 50 lakhs rupees, I should purchase a flat and rent or should I invest in Mutual Funds?
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Last updated by: kriti.sharma195
Confused about where to invest? Property or Mutual Funds?
Here's some calculated advice from Dimers!
Returns
Mutual Funds: Historically, mutual funds have provided higher returns, typically ranging from 14% to 19% per annum, depending on the type of fund and market conditions. This performance is bolstered by the power of compounding, making them effective for wealth accumulation over time.
Real Estate: In contrast, real estate investments generally yield lower returns, averaging around 7% to 11% per annum. While real estate can appreciate significantly, its returns have lagged behind those of mutual funds in recent years.
Liquidity
Mutual Funds: These investments offer high liquidity; investors can buy or sell their units at any time, making it easier to access funds when needed.
Real Estate: Selling property can be time-consuming and complex due to market conditions and the need for potential buyers. This illiquidity can be a disadvantage for those needing quick access to cash.
Risk
Mutual Funds: They are generally considered less risky due to diversification across various assets, which helps mitigate individual asset volatility. However, they are still subject to market fluctuations.
Real Estate: While often viewed as stable, real estate carries risks such as market downturns, tenant vacancies, and property maintenance costs. The value of real estate can also depreciate during economic slowdowns
Reference
https://www.desidime.com/discussions/should-i-s...
https://www.desidime.com/discussions/what-is-th...
https://www.desidime.com/news/best-fixed-income...
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Top Comments
https://www.desidime.com/comments/permalink/10530762
The question has data missing like what is your age. How many dependents do you have. When will you need this money, etc. It is not a simple question and hence should not be answered just like that.
https://www.desidime.com/comments/permalink/10530834
Lucky Bhaskhar dekhlo... 
https://www.desidime.com/comments/permalink/10530842
If it is your first house, buy one! The pleasure of staying in your own house cannot be bought by any amount of money. Financially, a down payment of 50 Lakhs will keep your interest expense in check too.
https://www.desidime.com/comments/permalink/10531007
Park all 50 lakh in debt/liquid mutual fund with no lock in or wothdrawal charges
Withdraw from this for below mentioned purposes
Best is invest in mutual funds
1mid cap 1 small cap 1 large cap
1 flexible cap 1 gold
through sip route 40000 x 5 total 2 lakh per month
24 lakh in a year
With incremental of Rs. 2 lakh per month do swing trading in etf only total investment 24 lakh
At the end of year you are left with 12 lakh of original amount keep that for emergency or do whatever you may need in life
Whatever profit you are able to generate withdraw that on regular intervals
Eat enjoy dine travel with that do not reinvest that amount again
if no use of funds then do fd of the amount instead
https://www.desidime.com/comments/permalink/10531461
@narendramodi 30% lena hai isse
https://www.desidime.com/comments/permalink/10531743
Invest in real estate
https://www.desidime.com/comments/permalink/10534130
Invest in Lakshmi Chit Fund.... "21 din mein Paisa DOUBLE" 
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Invest in markets and take home loan and pay in emis
This is the most dumbest advice I've ever seen
I've a home loan too.
What I'm doing is investing the same amount in mutual funds as my EMI.
Home loan interest rate: 8.5%
MF expected (conservative) return rate: 10-12%.
Since MF investing is long term so don't care abt short term market fluctuations which create opportunity to invest lumpsum amt.
If you stay in a tier 1-2 city, get a flat considering you're going to stay there for 5-10 yrs for your job. If your karma bhoomi (workplace) isn't fixed, stay on rent.
I would also advise you to compare the rent and emi that you're gonna have to pay, decide based on that.
ask what u want - house or home ?
if rent > house emi then only buy
owning flats = almost renting due to ever increasing CAM fees
get a cheap authority approved plot somewhere, build a tiny house & explore life.
greed has no limit & it will make u dead by overclocking your brain into money hungry schemes.
it gets very lonely on this money making paper trail
सब ठlठ पढ़ा रह जाएगा जब बंlद चलेगा बनजारा
human life is an opportunity to explore greater purposes instead of exploiting for stocks, mutual funds, real estate etc
50 Gs u have is your ticket to freedom which me & many more dont have; so hope u use it to free yourself instead of getting trapped into money making schemes like a money hungry bish