Lump sum 7L and somewhere like 15k every month, how to invest?

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Last Comment 2023-08-20

OnceUponADime

2020-11-24

As the title says, 7L cash in the bank and savings of 15k every month, how to invest?

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https://www.desidime.com/discussions/lump-sum-7l-and-somewhere-like-15k-every-month-how-to-invest?page=1#post_7164328

Sudarshan61

2020-11-24

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For how long you want to invest?

https://www.desidime.com/discussions/lump-sum-7l-and-somewhere-like-15k-every-month-how-to-invest?page=1#post_7164387

Nachoo_NK

2020-11-24

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For 7 lac. 1. MF+ Equity(Large Cap)- 50% ( Always read T&C Risk hai toh ishq hai) 2. FD/RD- 50% FOR 15000/- 1. SIP- 50% 2. Do personal Business/Invest in you-50% #Nachoo wink

https://www.desidime.com/discussions/lump-sum-7l-and-somewhere-like-15k-every-month-how-to-invest?page=1#post_7164949

OnceUponADime

2020-11-24

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MF over Nifty/Index?

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billubakra

2020-11-24

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What is the timeframe for which u what to invest? Risk tolerance?

https://www.desidime.com/discussions/lump-sum-7l-and-somewhere-like-15k-every-month-how-to-invest?page=1#post_7164946

OnceUponADime

2020-11-24

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15 yrs. Risk tolerance moderate.

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rak007

2020-11-24

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When you say 7L in saving, you mean your savings become 0 once you invest 7L? As in liquid cash, because usually it is recommended to have 6 months liquid cash for emergency fund and such. Please clarify.

https://www.desidime.com/discussions/lump-sum-7l-and-somewhere-like-15k-every-month-how-to-invest?page=1#post_7164947

OnceUponADime

2020-11-24

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7L to invest

https://www.desidime.com/discussions/lump-sum-7l-and-somewhere-like-15k-every-month-how-to-invest?page=1#post_7192758

panchabhut

2020-12-03

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Buy a property of around 25-30 Lakhs. 7 Lakh down payment and rest in EMI of 20 years. Make sure to take a loan that allows part and full prepayment without penalty. Put it on rent and use the rent to pay a part of the EMI.
Rent will keep moving up. Your monthly savings will also increase. So keep making part re-payments even 3-4 years and you will be loan free in about 10-12 years. The value of your property will also increase significantly in that time.

https://www.desidime.com/discussions/lump-sum-7l-and-somewhere-like-15k-every-month-how-to-invest?page=1#post_7192777

Sudarshan61

2020-12-03

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Bad idea... 1. Rentals yeild are like 2% 2. Loan interest rate will be like 7% and can increase in future.. 3. No guarantee that property rates will rise as they did in past..(plus lot of govt policy which can reduce the prices like increase in FSI)...please don't compare price appreciation of last 10-20 years...same won't happen now.. 4. Most difficult to liquidate in case of emergency. 5. Not to forget all the money that gets wasted in taxes/registration/bank loan processing etc etc Anyone who thinks property investment is good idea...think why does builders sell new flat..why don't they keep it for themself.. give them for rent and sell it as old property after 10-20 years...😈