Passive Income Myth Busted | Case Study by Parimal Ade

[@rohit59715971]

I have some passive income from real estate. My headaches are: 1. Tenant destroying house while leaving and you have to invest 2 month rent with broker and repairing work..Its very hard to fight with tenant and deduct from security people if you are peaceful person. 2. Morover if you are 30% tax bracket you will have to pay taxes to goverment 30%. Which will decrease your return to less then FD deposit. 3. When you will go to sell flat in market you will face the challenge… 4. Socity maintenance is other pain point if your flat is vacant for more then 1-2 month

[@JustChill76]

Completely agree Rohit

[@nishthamaru8951]

Finally somone has spoken about this. Taking loans to buy a house to rent it out is totally crap idea😂

[@narayanansreenivasan2558]

You close the loan in 5years and enjoy the rental income for 30 yrs and appreciation of the asset too.. isn't a bad idea

[@nishthamaru8951]

@narayanansreenivasan2558 but on borrowed money,by the time you close the loan, doesn't the interest component make the house cost double

[@User1976valid]

This model works in Dubai and USA

[@Raj7321-w6p]

Kaun bola bhai , richest people in the world all have become rich due to real estate !

[@AnkitGupta1990]

bhai, buy a house with downpayment, and put it on rent to cover your emi..

[@dr.niladribiswas]

My father in law had a house which he bought with 3.5 lakh, after buying he also spends 1.5 lakh for interior and renovation.. After 20 years he sold it on 20 lakh after 1 years of trying... Very illiquid... My opinion- real estate is not good for investment purpose but for staying..

[@narayanansreenivasan2558]

4-5 times capital appreciated in 20 yrs... Isn't it good?!

[@dr.niladribiswas]

@narayanansreenivasan2558 Sir, In equity with power of compounding with 14% CAGR you got 16 times Return,, And the Hassel we feel during selling!!!! It take 1 year to sell the house.. and we are lucky that the deal closed just before Corona... My personal experience- real state is very bad for investment purpose...

[@User1976valid]

This model works in Dubai and USA. It’s long term real estate format. Agree people need to do with proper cashflow methods.

[@manojsuri007]

I would like to see a debate between you and Amit Sangwan(so called no. 1 real estate clarity giver) take that challenge. It would be interesting 😅

[@rupeshghanekar2058]

Suno sabki, karo apne man ki,,,Guruji also said , keep diversified portfolio... Dnt compare, stick to individual path. Both are Great influencer, Any one should absorb the goodness of both😊😊😊

[@SonuKumar-rt3cc]

Sahi hai. Amit Sangwan ke saath inki kushti karwao. Maja aayega. Waise wo astrology and family relation dynamics ko bhi consider karte hai

[@jaymehta1786]

Thank you for making this video. This is one of the strong messages. I always felt that people have 5,6,7,10 income sources. But this video throws light on less but manageable sources of income for me.

[@pradeepdeshpande3845]

I fully agree with you as I have trapped in this mentality and now experiencing all the cons you mentioned. Only good thing I did is exposure is less and working as divarication.

[@dattawaigankar8984]

U r right Sir, real value of flat only knows after you try to sell it. I agree 💯😂

[@vidyaprakashpandey2883]

Thanks Parimal Ji... Very Good Idea...

[@anand_ade1]

Very nice point …. Practical

[@archismanmandal6645]

I want a fair debate between you and akshat Srivastava

[@rajivnucnuc]

Simply superb and eye-opening for early investors who have less money.

[@sahidulislamvet-et9nx]

Nothing can beat active income

[@shantanugangele2827]

Ye wo log h jinka active already hai, uske upr passive.

[@EiNsteinAlbert-hr3tx]

😂

[@drmaheshgawde2753]

But in India more people buy real estate by cash that's why indian purchase more real estate by black money to avoid income tax

[@myworldmylife9536]

REIT investment can be explored. Here our money is invested in commercial properties. Every quarter you will get dividend plus fund appreciation.

[@manmohanpatil]

I am reit invester since 3 years. Though they give divident there is no capital appreciation. 325 ka buy kiya hai abhi 380 ke aas pass hai. Aur yearly 6 % around divident. Not that great.

[@myworldmylife9536]

@manmohanpatil u r right. Around 6% dividend but no headache about tenants and other maintenance work of properties

[@sudhakark.v.126]

One thing these advisors forget is, for what reason you make money. They keep telling don't spend money on anything, on anyone or even yourself and invest and keep making money. Please understand, money is your money only when you spend it. I am not telling not to save, but saving should not be the only reason you are making money.

[@pawanchoubay8578]

you didnt hear it carefully ....he said financial goals....it was not endless till the end of your life...once your goals are met you are free to do as you please..but in order to reach that goal one has to have a disciplined approach. you may have a lofty goals it will take more time you may have small goals it will take less time. you dont have a goal ..enjoy... saving should be thoughful.. goal based and at the end it should give you freedom.

[@kk7134]

Whatever you told in this vdo is absolutely right & my own experiences in property investments failures realised & taught me the importance / strength of eqity ( MF ) investments, it's magic of compounding , partial withdrawal facility & eleventh hour / mid night liquidity on one click. Buy property only for staying.

[@sarathkumar251]

How can be diversified MF portfolio (each MF holding 50/60 stocks) will be concentrated? Equity advisors are always biased towards equity investment.

[@traditionaltouch2764]

Merq 50lkh ka mutual fund portfolio hai jisme 10 lkh profit hai.kya mai har sal sara portfolio sale krk dubara fr buy kr skta hu kyk mujhe lgta hai k tax agge badega

[@akshaydhanuka]

Aisa karke bhi compounding rukegi tax amount jitna

[@traditionaltouch2764]

@akshaydhanuka jb end pe tax dena pdega 15 sal bad to tb bhi to tax 30% ho jayega

[@jainapurvab]

He is telling right now- year on year compounding is way more than TAX increase.

[@jainapurvab]

@@traditionaltouch2764 u will loose 57% of capital equivalent gain after 15 years even if u compound at 12% nominal GDP and pay 30% TAX on 15th year

[@life_is_karbala]

I think you should book a profit of 1.25 lakh every year from your investment. Do tax harvesting on your investment

[@arunv.6811]

More detailed and more video on this topic Sir pls 🙏

[@tusharrami3024]

Sir ab apke stock ke details analysis nai ate

[@lazygardnersorchidchannel0303]

I invest in MFs, PPF and have a house from where I generate rental income too. Out of the three its the house that disturbs my peace of mind everytime. Collection of rents, repair works and water supply sometimes makes me exhausted. Till now I trying to figure it out which one is the best.

[@darshikagarg1636]

It depends on person to person

[@ketanpancholi5820]

I differ from your opinion. Everything can be done together.. 7500 Rs invested in agriculture land in 1992 is today 50 lacs and 3.5 lac +7.5lac loan totalling 11 lac became 1.25 crore from 2001 to 2011 . So there are cycles and you learn about it

[@Arijit099Mukherjee]

Good evening Parimal ji❤ Such a super person❤

[@mitulvaghasia5038]

Perfect Information

[@gouthampai5055]

Thank you parimal Sir

[@WisdomPromt]

I agree with him, I am also trapped with this impulsion.

[@dewangmavadia85]

Very Nice ❤

[@OnlyCritics]

Great valuable insights for young investors Parimal sir.. But pl give clarity also on the trending narrative of baking system collapse and SEBI chief contraversy of trading in ofshore funds. This is leading to massive shift from equity to real estate offlate.

[@mexicanmomo]

wise words..

[@Mohammed-Sharfuddin]

Thank you sir

[@shivajiauti3659]

What if some commercial Real estate is giving 8-10% rental yield?? Is it still considered bad investment?

[@passionatetraveller9370]

Rental yield is tax free whereas you need to pay STCG and LTCG on gains from equity.

[@rajeshv6274]

No sir Rental income gets added to your total income and taxed accordingly That's why many owners hesitate to share their pan numbers with their tenants when the tenant wants to claim tax relief on rent

[@cuffp]

When particular stock crashes and company vanishes and the shares are worthless, the 'passive' real estate property is still standing

[@nikhilgatagat]

When local gunda takes your land away and is protected with Local MLA then think

[@prosantasadhukhan7694]

Invest in index fund it will never vanish

[@rajupatro7628]

Waah..waah .waah .. cha geya guru

[@vanisrij9928]

Words of wisdom

[@Deep_880er]

when should we buy home for personal use

[@pranaballavjena458]

Interesting.

[@GiriGagan]

4:30 2 percent rental yield? Per annum? That’s too less! 5 to 6 percent is possible if done correctly. Also why buy from a builder? Buy resale flat better value…

[@atulsawant-c5m]

Hi Parimal...am a big fan of your channel. I have 5 real estate properties. All paid off. I have passive income of 2.6 lacs per month. I have planned everything and I hate to keep loans. So I pay off my asset loans ASAP. I also invest 20% in equities. My portfolio is 60% in real estate. Equity is really good asset class. But can u promise that what happened to Japan won't happen to India. They have not generated any return for almost 30 years. I agree we should keep compounding equity...but after sip quota is done...we should have real assets and have passive income.

[@atulsawant-c5m]

My principle is invest 20% in equity. Then diversify in other assets also. Concentration only in equities is also not very wise.

[@drgirdhar]

If population stopped growing like in Japan , even real estate will have similar fate. Diversification is name of game.

[@nikhilabhyankar8031]

What is the rental yield after all taxes and expenses?

[@atulsawant-c5m]

After a point...only yield does not matter. Peace of mind matters. I have property in india and dubai. Indian yield is 3 % and dubai yield is 6% in dollar term...that's as good at 9% since inr is depreciating. Am at a stage of income..that yeild doesn't matter. Every person is at different stage of life and earning. So same solution doesn't apply equally to everyone. Hope u get the point

[@sroy6311]

@atulsawant your realestate properties are houses or flat (apartments )?🤔

[@jrpmarket8538]

Khup mast explain kela sir...thanx🎉

[@anant64]

Higher level points - Indian equity except those with promoter equity less than 10% are manipulated because law is toothless. Real estate also same- in fact politician make more money in land during zoning and approval- again due to toothless law. However going fundamentally more population has opportunities such as food, clothing companies and some real estate pockets can be good. US stocks can be considered, Own development is best - such as education.

[@AnantArolkar-xi3cb]

Those who r having 1 lac pm salary how will they save tax...only option left is home loan... Make a vdo on this topic

[@oflavia2910]

Doesn't equity give passive income through swp ie monthly withdrawals without going to work?? The 4% rule

[@sunildhanuka]

Yes it gives. 4 % rule is old Theorey. Debt fund can easily give you 6% swp

[@Dr.CoCo_1234]

Learn more....work more...earn more... Increase active income...❤

[@biswajitjana4230]

Thank sir 👍👍👍👍👍👍

[@mratunjaisharma1263]

In NCR property prices becomes 4 x in last four years.

[@puneetupadhyay2734]

Artificial boost h by builders. People are doing impulse buying as now offices are open and people are asked to come 100% RTO.

[@kartikag01]

They don't like real estate as long term assests. Which is proven since last 10 generations.

[@pulkitsareen3709]

Now people entering into such projects or properties will fetch 0 returns for over decade also. Saturation in real estate is also very long term!

[@KevinTurner-f3f]

I really appreciate your efforts! I have a quick question: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How should I go about transferring them to Binance?

[@nilkamalnanda6371]

I think people goes for real estate loan to save taxes not for passive income.

[@raghavendra1988]

Real estate is bought when you've cash on hand which is idle not taking loan and risking mental health

[@suryadeep950]

Please don't invest much in mutual funds. Invest in stocks, real estate and gold

[@KahoNaaBakwaasHai]

Bhai plot bech kar partially wapaas laga dangerous.. so simple

[@jayjyotisarma3222]

Biwi aur didi dash saal se bol raha plot le lo , portfolio tor ke 😢😢

[@IndianGodMechArena]

Mat lo...

[@ayazshakeeb]

i did this mistake

[@drgirdhar]

Very rightly said and other problems with real estate is maintainance,kabja, encroachment , taxes and biggest is difficulty to pass on to next generations as there is no nominee and legal way even by registered will can be explained only if you go through the hassle AND even then while selling property all previous documents are to be preserved unlike bank/demat accounts.

[@satishsharma3188]

Iam also stuck in property.

[@hemantparmar3605]

Parimal, in vadodara real estate is giving equal growth when we are buying tenaments or shops.

[@deepeshgupta3139]

Vadodara real estate has no appreciation 😅

[@volvorin6891]

I don't agree with you, as your thoughts are totally biased towards equity / MF investment which anyway not giving more than 12℅ come with the risk of reducing NAV. On the other hand, real estate is safe and consistent revenue provider and also value appreciator.

[@raghavendra1988]

Cost of real estate in bharath is too much now it'll take atleast 10 yrs for real estate to start yeilds from this price 😂

[@navneetarya7831]

can we like it more than one time❤🎉👍🏻

[@TomEdwardi]

!!I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good recommendation on great performing stocks or Crypto will be appreciated..

[@FederickLeo]

As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

[@DerickSams]

I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market.

[@FederickLeo]

I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $200k passively by just investing through an advisor, and I don't have to do much work. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.

[@DerickSams]

Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analysing market movements and spotting profitable opportunities. Her strategies are meticulously crafted on thorough research and years of practical experience..

[@TomEdwardi]

how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking??

[@jitendrapatel8225]

सर प्लीस रिलायंस इंडस्ट्रीज की 4/गीगा फैक्ट्रिस पे वीडियो विस्तार से समझाए

[@saravanana4294]

consolidation ka matlab loss to whom ? retail investor how many retail investors are there in market fir 20 yrs or more. most retail investors enter at top of cycle invest in NFO IPO and lose money because of media hype and over estimation ofprofits. please invest in sector which you best understand. i have made profit in equity market real estat and gold and booked losses also. truth is somewhere in between dear friends.