Dr Sudhir Kumar MD DM Profile picture
May 29 5 tweets 2 min read Twitter logo Read on Twitter
Investing in a second residential flat for earning rental income or for capital appreciation is not a wise decision

1. Annual returns are 2-4% (lower than 10-12% in mutual funds),
2. Lesser tax efficient (LTCG 20% vs 10% for equity beyond gains of 1 lakh),
#investments #Equity twitter.com/i/web/status/1…
3. Large capital is required to invest into real estate (Mutual funds need lesser capital)
4. Investment in real estate is illiquid (takes time to find the right buyer). For mutual funds, amount is credited into bank account within 2-3 days of redemption.
5. For property, additional costs include property tax, maintenance charges, cost of repairs and repainting. Tax needs to be paid even when the flat is unoccupied, and there are no tenants. These situations do not apply to mutual funds/equity investments.
6. If one needs smaller amounts (for foreign travel, child's education or marriage), it is difficult to get that from property, as part of flat can not be sold. However, with mutual funds/equity, part redemption can be done.
7. Take home message
*Annualized returns from investments in a residential flat is lower than equity investments (even lower than inflation in most situations).
*Investing in mutual funds is a better option.

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