Gold vs fd vs real estate(delhi)
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Depends on the amount you can invest. If you invest in bad real estate just cause you’ve low budget you’ll lose it all.
I invested 60l in a property in Delhi and it’s 90l+ right now in a span of 2-3 years, I can get more if I bargain or stay on hold. So a good profit than mf/fd anyday. For investment in property you need a lot of research like when is the metro line coming up, how far are schools, basic necessities etc. If you can’t do that homework, don’t invest.
So in short you need more than 40-50l for real estate, good amt of time to research and a lot of other factors. Otherwise, there are a lot of dealers who will loot you like a thief.
For people between 5-30l, I would suggest to mix the investment in Mf/Fd. That’s my personal opinion.
big,all white
In my humble opinion, real estate (rent+resale value) > stocks/share market > mutual fund > gold > FD > RuPay offer > ......<many things in between> at the very end (Cred, GPay and MobiBhik cashback) 😂
Real estate any day
Bought land last year, now it's appreciated by 30%
Do proper research and invest in land
First and foremost, having money is great. Thinking of investing is fabulous. But but not knowing how much return are you expecting with your investment( exit point) period is foolishness.
So you know what to do.
if we compare realestate prices with 2011,its not gave much return atleast in delhi
Park your money in FD and stay tension free
Real estate is over sold - especially in NCR. All the major builders are in process of getting out too. As govt has started cracking down on benami properties (& need for Aadhar based authentication of both seller and buyer) - so in next 3-5 years you are going to see the impact. As you are planning to get in now, so you would fall into this category. Currently all agents are hyping new properties in NCR - for this and the fact that they are getting 5%+ commission on these (vs 1-2% on resale). So beware.
Stock/mutual fund still remains a safer bet for 5+ year investment (shorter term is pure speculation) and you can easily anticipate 10-15% annual return over this period, provided you pick the right ones.
Gold is always a safe bet but returns are always low - 3-5% - and best during times of war/economy issues.
FD is good, safe for decent returns of 5-8% depending on the period of lock-in.
As you mentioned its all white so I would go for mutual fund.
Real estate > Mutual fund or ETFs > Gold > FDs
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Real Estate > Gold => Mutual Fund > FD....