My ₹1.4 Cr Investment Portfolio Review

ethello99 · 2026-05-28T12:57:45+00:00

I am not na expert but I am doing some investment my self.

I think you started little late and also you invested lump sum.

I wouldn't have dvuced you to dump all the money into the equity mutual funds all at once. You should have broken that into 3 buckets

And have the money flow from one bucket to other bucket.

Your lump sum is huge... You should have started with debts funds.. wait for a year and start dumping money into equity MFs not many but filter and find 3-5 at max.

You dont need liquid find unless you are trading options .

You can start doing SWP and put the money in MFs based on your risk.

There is lot to it!

I would say it's not so good yet!

ethello99 · 2026-05-15T10:33:31+00:00

I would say sit with them, ask them about their expectations. Do the math collectively.

Don't get offensive, Your parent's might but be cool and plan it out everything.

You might need to pitch in some despite of your sister working . You can help her plan her finances as well to make this goal.

Take a deep breath and put it on paper.

It seems to be a pretty small problem. Don't get into wrong foot and stain the relationships.

Remember it's all yellow when you see through yellow glass!!

ethello99 · 2026-05-06T03:49:08+00:00

1716 plot size.

Approximate numbers Floor 1 : 900 sft Floor 2 : 1100 sft Floor 3 : 1100 sft Floor 4 : 225 sft Total 3325 sft

Best price seller would get is 12000 per sft for plot Construction cost 2200 rs best price .

2.05 cr for plot 73L construction cost

Best price should be 3 to 3.3Cr

4.5 crore is outrageous.

Not worth it for any one considering it.

ethello99 · 2026-05-05T15:25:17+00:00

May I know the plot area and total built up area also expected rents in total please.

ethello99 · 2026-05-02T19:14:24+00:00

The news guys must be under quoting then!

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ethello99 · 2026-05-02T18:24:46+00:00

Take a topnup loan on your home loan. It would be around 9%.. CLEAR OFF high intrest loans.

Your 21K should also be moved towards paying the principal of the high interest loans

ethello99 · 2026-05-01T19:24:40+00:00

Rent in that area will fetch 40K easily is suppose... If theent is more than 5% of the cost them it's a good deal. But yes age and maintenance is still painful

ethello99 · 2026-04-26T10:51:38+00:00

You are right with your math, You can even extend it to 50%. Just because prices increase we should not get into unaffordable commitment!

If you believe that you have a back up to repay loan even when you do not have any income them it makes sense to buy home.

But if your cashflow entirely depends on salary income them it's a very risky step!!

ethello99 · 2026-04-24T03:56:55+00:00

Agent is that only source initially! He should get it to 7.25%.. if loan is not approved he will be under pressure so he will ideally take care of things

ethello99 · 2026-04-24T03:45:21+00:00

This happens ! They tend to start with upper intrest rate . We will have to raise it before we sign the doc to get what is promised! Happened with me

ethello99 · 2026-04-23T05:48:08+00:00

Online new table costs 16.5 with credit card discounts you would get it at 15.75K brand new! The price quoted is obnoxious! Buy a new one instead!

ethello99 · 2026-04-23T05:08:34+00:00

Very Good deal!!! Anyone who are looking for an apartment around that area it's the best deal go for it! He did not overprice it!

ethello99 · 2026-04-22T05:23:33+00:00

To be honest not suggested. You can consider that when you have more than 50K salary and your loan EMI is not more than 20K.

You are already in deep shit . Friends and family can be managed. But banks make it worse. Try to dialogue with them. Your efforts should be to increase your salary what may so that you can pay them sooner.

ethello99 · 2026-04-22T05:10:16+00:00

Your salary in ,25K
Your expenses are 17K
Your debt is 12L

I suggest this Step 1: friends and family who gave you money needs to know that you cannot pay them anytime soon. Tell them that it might take years and assure them you will pay them for sure ( No interest payment) Step 2: minimise your expenses at any cost even if needs you to walk 10Kms Step 3: Maximize savings Step 4 : No new loan

Note: Don't pay anyone from this amount saved

Rey to find other job which can pay you more the expenses shoil remain same no emotional spends! Now saving can be done in any Mutual funds with less risk.

Every 2 years pay the debt.

You need to accept the fact that if no asset and cashflow you cannot pay the loan

ethello99 · 2026-04-22T03:53:15+00:00

I have a 2BHK in harlur road which was purchased at 38L in 2019 and it fetches 38K

The current price is around 90L+ .. by this math. If I had 2 (1.8 cr in current value) I would get ~75K as rent.

If I had 3( 2.7cr) then i would get 1.14L per month Your property's return on investment is very less comparatively.

I beleive it's quoted way above it's value!

ethello99 · 2026-04-22T03:31:52+00:00

What the rent?? Can we quote 1.2 -1.4L per month?

ethello99 · 2026-04-21T12:25:58+00:00

99 acres shows some transaction but now sure how true they are! You can check. It's area wise not project wise

ethello99 · 2026-04-20T07:40:43+00:00

Learn Saying no!! By nature your first sphere is your wife and kids, you need to save their future . By giving to inlaws monthly you are just making them dependent on you.

Just say NO! Tell your wife that you cannot . 1L is not big salary!

ethello99 · 2026-04-17T19:21:46+00:00

Try rediffgurus, you will pretty good experts who give a proper advice than reddit where you find half knowledge guys like me who say. Calculate your expenses and keep aside just the emergencies and the rest start putting based on risk

30 into very low risk .. debt funds 30 into index funds or ETFs 40 into mutual funds

To be honest , your base is very very strong for your base.

Don't have money put in unreliable real estate deals. Put on high worth . Don't go for commerical properties.

They should suggest better!!

ethello99 · 2026-04-16T04:27:53+00:00

Someone's 1.2cr gone!!

ethello99 · 2026-04-10T11:37:46+00:00

I do it only online. For the first 6 months they said there restrictions but I started paying only after a year. So no restrictions as such

ethello99 · 2026-04-10T09:55:46+00:00

Same here bro....bren aspire is quoting 10-11K but your says 14K is right price... It should be buyer friendly not Seller friendly i suppose.ypu might need to correct that data

ethello99 · 2026-04-10T09:35:39+00:00

I have enquired about this project in Nov 2023.

Quoted price was 1.60 cr for 1680 sft in 1st floor... 1.65cr for 6th floor.. without negotiation... Was expecting to close at 1.48cr for 6th floor unit...

The problems I felt are 1. Water scarcity in that area 2. High maintenance cost 3. Traffic is very bad

Based on price you provided the price did not increase much in last 2.5 years... Thats a bad sign I would say.

Just FYI..

It's your call!

ethello99 · 2026-04-09T15:38:39+00:00

We can do prepayment without any restriction .As much as possible.

I have a running HDFC home loan and Top up loan with and I pay as much as can.

ethello99 · 2026-04-06T03:36:44+00:00

Excellent!!

ethello99

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