विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Devendra
Ramalingam Kalirajan11326 Answers |Ask - Follow
Mutual Funds, Financial Planning Expert - Answered on Jul 09, 2026
Asked on - Jul 01, 2026
I have an office premises which is giving me a rental income of approx 40k p.m and if i want osell it today i can get Rs1 cr for the invested amount of Rs50lac.My question is since i am al ust 80 yrs of age now should i continue to earn thd rent or sell off and invest thd sakes priceed in MF etc.The property is supposed to appreciate by 5% every year too
Ans: Its good that you are reviewing this decision carefully. At the age of 80, the focus should be on simplicity, regular income and easy management rather than only long-term appreciation.
»Your Present Position
You own an office premises worth around Rs. 1 crore.
It is generating rental income of about Rs. 40,000 per month.
You also expect the property to appreciate by around 5% annually.
This means the property is providing both income and potential capital growth.
»Should You Sell?
Based on the information shared, I would not recommend selling the property only to invest the proceeds in mutual funds.
At your age, preserving a stable income and avoiding unnecessary capital gains tax and transaction costs are important.
Selling should be considered only if managing the property has become difficult, the property remains vacant frequently, or you need a large amount for medical or family requirements.
»If You Continue Holding
You continue receiving a regular rental income.
You retain the benefit of future appreciation.
The property can also become part of your estate planning for your family.
»If You Decide to Sell
Understand the capital gains tax implications before taking the decision.
Plan the sale carefully to avoid unnecessary tax outgo.
Invest the sale proceeds gradually based on your income needs and risk profile instead of investing the entire amount at one time.
»Other Important Areas
Ensure you have sufficient funds kept aside for healthcare and emergencies.
Keep all property documents updated.
Review your Will so that your assets are transferred smoothly to your legal heirs.
»Finally
Based on the details shared, continuing with the property appears to be the better option unless there is a specific reason to sell.
A regular rental income with the possibility of future appreciation provides stability at this stage of life.
Before taking a final decision, review your overall income needs, health, family requirements and estate planning with an Investment Professional.
Best Regards,
K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/
(more)
»Your Present Position
You own an office premises worth around Rs. 1 crore.
It is generating rental income of about Rs. 40,000 per month.
You also expect the property to appreciate by around 5% annually.
This means the property is providing both income and potential capital growth.
»Should You Sell?
Based on the information shared, I would not recommend selling the property only to invest the proceeds in mutual funds.
At your age, preserving a stable income and avoiding unnecessary capital gains tax and transaction costs are important.
Selling should be considered only if managing the property has become difficult, the property remains vacant frequently, or you need a large amount for medical or family requirements.
»If You Continue Holding
You continue receiving a regular rental income.
You retain the benefit of future appreciation.
The property can also become part of your estate planning for your family.
»If You Decide to Sell
Understand the capital gains tax implications before taking the decision.
Plan the sale carefully to avoid unnecessary tax outgo.
Invest the sale proceeds gradually based on your income needs and risk profile instead of investing the entire amount at one time.
»Other Important Areas
Ensure you have sufficient funds kept aside for healthcare and emergencies.
Keep all property documents updated.
Review your Will so that your assets are transferred smoothly to your legal heirs.
»Finally
Based on the details shared, continuing with the property appears to be the better option unless there is a specific reason to sell.
A regular rental income with the possibility of future appreciation provides stability at this stage of life.
Before taking a final decision, review your overall income needs, health, family requirements and estate planning with an Investment Professional.
Best Regards,
K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/