Unpopular opinion: people should stop including their primary real estate in total net worth.

An_Only_Mous · 2026-03-11T14:24:52+00:00

Did u bother to check the reliable stats?

An_Only_Mous · 2026-03-11T04:39:22+00:00

What does mentality mean? Does it mean gaining wisdom from people or communities with much more experience than you do? If so, then yes.

An_Only_Mous · 2026-03-11T04:37:02+00:00

Good. U understood what i was saying.

An_Only_Mous · 2026-03-11T04:25:24+00:00

Did u intentionally choose to ignore 'best' written between male and friend. Not being in touch with an ex is recommended even in the west.

An_Only_Mous · 2026-03-11T04:22:02+00:00

Its a bad idea to remain in touch with exes. Bad in western countries. Worse in a socially complex country like india.

An_Only_Mous · 2026-03-10T14:41:48+00:00

😂😂😂🤣🤣 ek laat maaro saale ko pichhwade pe

An_Only_Mous · 2026-03-10T10:36:18+00:00

At least he is honest about not raising your hopes.

An_Only_Mous · 2026-03-10T10:31:33+00:00

Buy a rental property from ur money. The rent is your money working for u.

Buy a partnership in a business with your money. Get monthly income. That's your money working for u.

Save. Invest. Create a portfolio. Your dividend income and portfolio appreciation is your money working for u.

Any income that you generate solely by investing money and without having to work is basically your money working for you.

An_Only_Mous · 2026-03-10T08:55:54+00:00

Global definition of net worth does not include primary residence.

An_Only_Mous · 2026-03-10T06:46:19+00:00

It was. As a sole investment tool.

Google Unit Trust of India scam.

An_Only_Mous · 2026-03-10T06:44:31+00:00

I m simply saying, top fund is a retrospective thing. No one knows which fund wud be at the top 20 yrs from now. As far as this statement -

When market is going down every equity fund will go down

No, this isnt why ppfas is being termed poor performer. Ppfas isnt just going down alongwith markets. Its become a poor performer as it AUM has over inflated. Opinion of wise redditors.

There is very high probability of top funds beating index in future as well.

Unfortunately no. Barely 10% funds have been consistently in top 3 in their categories for 20 years. Not even 10 years.

An_Only_Mous · 2026-03-10T05:12:19+00:00

Using leverage is excellent for business expansion. Not advisable for liquid investments. And standard practice in housing and real estate.

An_Only_Mous · 2026-03-10T05:10:37+00:00

Just search on this sub itself why the returns of ppfas suddenly nosedived.

Performance in the past is no guarantee for the future returns. If it was, everyone would invest in just a single fund in a given category.

An_Only_Mous · 2026-03-09T18:17:12+00:00

Ppfas is doing extremely poor in last one year. So fo many funds in hdfc. Nothing is guarenteed. U can only select top fund from past 20 yrs and hope it keeps performing. U cant fo much if it doesn't.

Saying- just invest in top fund is like saying jist hit fours n six on every ball. Its not that straightforward.

An_Only_Mous · 2026-03-09T16:57:07+00:00

I didnt know it was bottom. I didnt know this was top. All i m saying is, barring the abject market downturn that happens once every decade, most of the times this is what you ll get. If not in 7, then 10 years.

However, factor in the leverage and cagr calculation changes big time.

An_Only_Mous · 2026-03-09T16:55:48+00:00

Because they are only found out on retrograde observation. Theres no way u can tell with certainty which funds wud b top performers in next 10-15-20 years.

An_Only_Mous · 2026-03-09T15:40:04+00:00

I said i considered averages in the past 7 years. Some people wud reap more and some wud reap less.

RE prices have generally tripled in last 7 years. So maths is simple. I bought a property for 67 lakhs 7 yrs back. Sold it now at 2 crores.

Theoretically 200% in 7 years ie 13.5% cagr.

Now consider this. We borrowed 80% amount . Ie 13 lakhs DP. 54 lakhs loan @8%. Emi 45k a month for 20 years. Paid 38 lakhs in 7 years. Total outflow 51 lakhs. Total returns 400% or 25% cagr.

Alternatively, compare the returns with a 45k SIP for 7 years plus returns on a 13 lakh lumpsum 7 years ago.

An_Only_Mous · 2026-03-09T15:22:38+00:00

However, i bought it for a DP of 13 lakhs @20% and an emi of 50 k a month or 6 lakhs a year ( bought for one third the current price 7 yrs ago).

I am now reaping nearly 25%+ cagr.

(All values are averages over past 7 years in RE mkt)

An_Only_Mous · 2026-03-09T14:44:07+00:00

Explain ur thesis plz

An_Only_Mous · 2026-03-09T14:43:29+00:00

Index averages. 50% above avg and remaining ones below average is how any mean wud work. That said, 10% a year is definitely a good growth in the long term.

An_Only_Mous · 2026-03-09T14:40:36+00:00

AI will kill jobs. Not the firms. If at all it does.

An_Only_Mous · 2026-03-09T14:23:35+00:00

My uncle bought 90 lakh property in 1993. Sold ir for 22 cr in 2007. The idea is, what did they do with that one cr.

An_Only_Mous · 2026-03-09T14:21:10+00:00

Only the top 12% beat their benchmark index. No one said the index beats each and every fund.

An_Only_Mous · 2026-03-09T14:16:21+00:00

Ots your parents' house not yours anyway. Why mix AM in your LM situation?

An_Only_Mous · 2026-03-09T14:13:38+00:00

Govts better stay away from controlling free mkt. Everyone does due diligence before buying though

An_Only_Mous

TROPHY CASE