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I have over one crore rupees and no loans. Should I invest in another flat, villa, land, FD or MF?

Milind Vadjikar |1108 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 02, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Asked by Anonymous - Oct 02, 2024Hindi

Money

I already own few flats and a few residential plots in the metro city. I have zero loans, and the flats are generating good rental income. Currently, I have over one crore in hand. Would it be advisable to invest in another flat or an independent villa or land, or should I earn FD interest or even consider other investments like MF ? Please suggest.

Ans: Your entire asset allocation is in favour one asset class real estate. Not to say that it is wrong but it will help if you diversify a bit across different asset classes.

I think you should take exposure to equity through pure equity mutual funds but with long term horizon of minimum 7 years.

Invest it in a staggered manner over period of 10-12 months to get benefit of rupee cost averaging.

Happy Investing!!

You may follow us on X at @mars_invest for updates.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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