Investing in land vs other (Mutual funds, FD, Stocks etc) Best place to invest in hyderabad
- land investment pros and cons
- Comparison with other Investment Options
- The best place to invest in Hyderabad
- buying land vs Home Vs Flat
- home loan vs rent
- home loan vs sip vs personal loan vs mortgage loan vs loan against property
- Tax benefits on all investment options
- ROI on FD, SIP Mutual funds Land etc.
NOTE: buying a 1st / Primary House Not an Investment its Necessary (Just like clothes & food) than Returns.
Need vs Security vs Trade
- Need -> Home.
- Security -> Non Liquid Assests -> Land /Plots.
- Trade -> Buying & Selling (Investing on these Activities) -> Stocks > (Buying Stocks from a group of people’s Money called as Mutual Funds). Risk volatile. Extra Charges.
Where to invest Option is based on your Income Profile & Age.
NOTE: Keep Following This, Updates Regularly.
- Current Inflation Rate (increase in the prices of goods and services) India: 4% {yesterday price 40 and today 44 then the inflation rate will be 10%) -> this is why need a home loan at 8%.
- Bank Saving Account Interest rate: 4%
- FD Interest rates 5 Years Locked 7% Average as on September 2018.
Land Growth Every year 10-12% without any real estate Boom.
Mutual funds Return SIP Based 9-18% based on Risk.
Both Returns are based on Compound interest.
- the expense ratio of 2.9%
- The size of the mutual fund corpus
- Mutual fund Scheme Age
- Historical Performance NAV
SIP Vs LumpSum
SIP (RupeeCost Averaging)
markets have always been volatile. Systematic Transfer Plan (STP) from the debt fund to an equity fund
- Charges: Admin charges. 2-3%.
- Taxes: 15-20%.
- Commission: Securities Transaction Tax (STT). An STT of 0.001%.
- debt funds are subject to capital gains tax. Short-term gains are added to your taxable income while long-term gains are taxed at 20% after indexation.
Funds | Short-term | Long-term |
Equity & Balanced funds | Less than 12 months | 12 months & more |
Debt funds | Less than 36 months | 36 months & more |
Funds | Tax short-term (1) | 1-3 years | tax long-term (3) |
Equity & Balanced funds | 15% | 10% | 10% tax for above 1 lakh |
Debt funds | added to taxable income | add to taxable income | 20% regardless indexation |
SIP: Big LooPHole Only Taxed Every Month investment.
long-term capital gains (LTCG) up to Rs 1 lakh are tax-free in your hands. LTCG in excess of Rs 1 lakh is taxed at the rate of 10% without the benefit of indexation.
deemed before 12 months, are taxed at the rate of 15%
FD Vs RD Difference
Just Like Buying Mutual funds/ Stock LumSum vs SIP Monthly based.
On FD we deposit fixed at a time But RD we need to Every month people doesn’t aware of SIP and low-risk profiles can do this.
No tax Benefits for RD (Up to 10,000) just Like saving Account. But FD you can claim up to 1.5 Lakh under section 80C.
Difference | FD | RD |
Invested Amount (Rs) | 24000 | 2000 p.m. |
Interest Rate (p.a.) | 9% compounded quarterly /Not Monthly | 9% compounded quarterly /Not Monthly |
Total Interest earned in a year (Rs) | 2234 | 1195 |
Total Amount after One Year (Rs) | 26324 | 25195 |
The difference (Rs) | +1039 | -1039 |
Fd vs debt fund
Particulars | Debt Funds | Fixed Deposits |
---|---|---|
Invested Sum | 2,00,000 | 2,00,000 |
Return Rate | 7% | 7% |
Lock-in period Years | 3 years | 3 years |
Fund worth at the end of tenure | 2,45,000 | 2,45,000 |
Inflation | 6% | 6% |
Indexed Investment Sum | 2,38,000 | – |
Taxed Amount | 7,000 | 45,000 |
Tax to be paid (at 30%) | 2,333.33 | 15,000 |
Returns after tax | 42,666.67 | 30,000 |
How to calculate the Inflation Rate?
MOSPI analyzes every month’s Consumer Price Index Rates CPI. ex August 2018 CPI Pdf
This year Price -Last year Price*100
12-10= 2*100 =2%.
2008 financial crisis
buy now and EXPECT that the value skyrockets,
EMI VS SIP
Home Loan | Equity SIP | ||
Loan Amount | 25,00,000 | Monthly SIP | 5000 |
Rate of Interest | 9.35% | Expected CAGR* | 15% |
Monthly EMI | 23,000 | SIP Tenure | 20 Years |
Total Payment (20 Years) | 55,20,000 | Value of Maturity | 75,79,775 |
Towards Interest | 30,20,000 | Total Principal | 12,00,000 |
Towards Principal | 25,00,000 | Total Expected Return | 63,79,775 |
Net Gain through SIP* | 8,59,775 |
Note: *Net Gain through SIP
compound annual growth rate CAGR
Total expected return from SIP – Total Loan Payment = Net Gain (63,79,775-55,20,000 = 8,59,775)
DTCP approved plots in yadagirigutta & [Yadadri Developments]
Developments of Yadadri Lakshmi Narasimha Swamy Temple
1. In the 2300 acre Navagiri 9 Potholes 32 incarnations are prevalent
2. The statue of the largest Anjaneyaswamy in India is 150 feet Gutta
3. The 2nd Gate Road & Rap Way on the hill
4. Horticultural Gardens & Basil Gardens
5.T.T.D Like the temple, the Kalaiya Mandapam is set up
6. Bus stand & bus depot in 50 shapes
7. 450-acre deer park
8. Multilevel Car Parking
9. Reliance company shopping mall
10. Supporting firm is a pure Shedradamam (Badrinath, Kedarnath, Amarnath, Gangotri) 250 acres with 3000 crores
11. Permanent helipad structure
12. 4 check post from Hill to 6-7 Km (at Sabagiri, Vangapalli, Rajampeta, Malampur Road)
13. 4 line way road development at Rayagiry, Malapur, Vangapalli, Rajampetta road.
14. The tourism hub is developing within 10kms around hill.
15. Baswappuram reservoir on the Malapur road is 8km. Water storage
16. The 1500 acres joints company on the Rajampur road is the construction of the Moksham project of all the gods
17. Connecting 9 hills is 100 feet road construction
18. MTMs with 330 crores Established
19. High-Speed Metro Rail from Uppal to Yadadri
20. Establishment of the YTDA (Yadadri Temple Development Authority) Board from 8kms to Hills
DTCP/HMDA approved plots in yadagirigutta, Hyderabad- Shad Nagar, Airport near & Adibatla Etc…
Sq yards From 2299/- T0 10,000/-