Investing vs Loan Repayment | 2022 | CA Rachana Ranade

"People who find themselves with extra cash can face a dilemma. Should they use the money to pay off-or at least, substantially pay down-that pile of debt they’ve accumulated, or is it more advantageous to put the money to work in investments that will grow for the future? Either choice can make sense, depending on the circumstances.
In this video we have discussed, how to understand if we should prepay the loan or we should invest the excess amount in the asset class.
In this video we have also discussed which asset class we should invest in.
Additionally, we will try to understand how to compute the amount of money we are going to save.
So to understand how to effectively decide between prepaying debt or investing, stay tuned till the end of the video. "
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What is covered?
00:00 - Start
00:30 - Introduction
02:12 - Things to consider before making decision of prepaying loan or investing
05:18 - Exception to the rule of prepaying fast or investing in market
06:53 - Numerical example to understand the amount of saving
16:15 - Conclusion
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#RachanaRanade #loanrepayment #investing

[@CARachanaRanade]

About the prepayment penalty short description with link economictimes.indiatimes.com/wealth/personal-finance-news/rbi-restricts-banks-from-charging-prepayment-penalty-on-home-loans/articleshow/12711108.cms According to the RBI rule, banks are not allowed to charge you prepayment penalties on home loans.

[@anilkumar-od6gd]

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[@anilkumar-od6gd]

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[@gchirag96]

Being a chartered accountant, in my opinion, it's always better to knock off your loan first. It's very fancy to say that you can get 15% return from index and all but it doesn't work in that way. There are no return in straight line and you may face 2 to 3 years without having return while on the other hand you are paying hight interest in initial years. Every decision should not be taken solely based on calculations only. It's good to have a good sleep if your leverage is controlled. It's my opinion only, you may or may not agree.

[@clydenferns]

I agree.. knock off the loan 😅

[@orophile_awlan]

Spot on

[@globalehsadvice7282]

YOU ARE RIGHT AND EVERY BODY DO NOT KNOW ABOUT INDEX

[@nipunagrawal2050]

15% is also a pre-tax return, post tax returns would be lower especially in the 30% bracket. That woule be the right apples to apples comparision.

[@jabursayyed4586]

very true. the returns are substantial after atleast 5 years of investing in etf. until then its always a tilt between marginal gain and loss . repaying loan also increases the chances of taking another loan for another asset while etf investing won't get you a loan.

[@dr.raymond8]

The current market crash is proof that 99% of People had no Idea what they were doing. People Bought anything, made money and became overnight gurus with stocks, options, NFT’S, cryptos etc. Nothing is 100% certain in any market, only thing you can control is your risk.

[@melyndaulf6199]

A lot of people learn from mistakes. No shame in that. Most Traders are not economists, yes there will be anxiety, but this is one of the best learning experience for this Generation and that is why I have my funds well diversified with the help of a financial advisor TERESA JENSEN WHITE.

[@melyndaulf6199]

You can glance her name up on the internet and verify her yourself. she has years of financial market experience.

[@dr.raymond8]

I'm surprised you know her _ Heard many good recommendations about TERESA JENSEN WHITE, and her profitable strategies by some brokers in a seminar and other platforms, I think she's the real deal for people to talk good about her, I will give her a trial and see how it goes then.,..

[@deepakagrawal1189]

I had preferred to close home loan and ignore all this maths. I have definitely peace of mind. :)

[@deepakagrawal1189]

@whatsap9593 Bro, get lost... :D

[@sagargulhane2100]

Worst worst 😂

[@dnisha1000]

Good

[@prabhagaikwad4849]

Same here. People won't understand peace of mind until they get rid of the loan

[@Rk-gk4tk]

Nice decision

[@shyamsundar7679]

Mistake 1: You missed taxes on the 47 lakhs. Even if it is invested for longer duration, LTCG has to be calculated and reduced from the 47 lakhs. Mistake 2: when dividend payout and taxes on dividend is not even considered.( I don't know, whether you are considering 14% returns including dividend) Mistake 3: current home loan interest rate in indian bank is 8.8% (Already RBI increased interest rate thrice without publicity) Mistake 4: ETF & MF returns are subject to market risk, so you used only best returns rate for the calculation. You must project 3rd option with worst returns on ETF & MF.

[@mathebulamkhize876]

Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.,

[@mathebulamkhize876]

@Billie Heeter Ury Not at all, having monitor edge my portfolio performance which has made a jaw dropping $473k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market. I must say it's the boldest decision I've taken since recently

[@mathebulamkhize876]

​@Raul Romero The adviser I'm in touch with is ' Gary Craig Raymond ' He works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me his strategy works hence my result. He provides entry and exit point for the securities I focus on

[@SettyS2011]

The problem for lot of people is to find the right investment carriers that will give the 10-15% returns. Hence in my case also I chose to put all excess in home loan prepayment.

[@akashdidwania4985]

Relying on possibility of equity returns can be fatal. As returns from equity is probable profit but loan interest is certain liability. Moreover, we should not assume that income will increase continuously and the expenses will not. This is just my perspective to repay as much principle as possible in the initial 5-7 years when the maximum interest amount is due to be paid. After this tenure, spare amount investment in equity would be a good proposition.

[@akshaykumargowdar9122]

my way to handle this is don't buy property until you have 40% cash with you. repay the loan within 5 years or atleast a large chunk of principal. don't invest on stocks sip etc. always invest on land like sites in outskirts of city, farm land n earn tax free income from farm land

[@Vj45459]

I have 90% but I will only pay 50% as DP and Invest the remaining in MFs for the loan term.

[@AkashKhanwalkar]

Thank you so much for sharing your expert views. The "peace of mind" factor is rarely considered by experts.

[@arjunprasad3945]

Actually in option 2, the difference is considerably(10%) more. Because over 15 year period through tax benefit on additional interest, he could have afforded to start an sip of 1500 per month for 15 years(2.7L, but yes tax benefits are also having the same compounding effect cannot be linear, but for simplicity). If he invest it in same index fund at 14% for 15 years. At the end of it, that 2.7L would have grown to 9L. So basically with option 2, it is 41.8L + 6.3L = 48L.

[@absash7838]

In the first option the return will be further reduced because by the time the first 15 years pass the market would have reached a new high. Index stocks would be very costly to begin with.

[@ShoaibMohammad07]

Investing may or may not help you to get return. But loan repayment will certainly help you reduce the loan amount

[@dipjyoti1fast]

Just want to mention - hope everyone is also considering the rent you save or gain from the purchase. The property valuation is also a point to consider, some properties may get a 2X valuation by 7 to 12 years from purchase.

[@figueroacamarillo98]

I'm 58 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, we are finding it impossible to replace it. We can get by, but cant seem to get ahead. My condolences to anyone retiring in this crisis, 40years nonstop just for a crooked system to take all you worked for

[@yarboroughbrad3082]

I think it's especially difficult for retirees and near retirees, I know to focus on the long term but the anxiety when you're supposed to be retiring in 3-5 years is exhausting.

[@ishaandevaj5587]

I feel your pain mate, as a fellow retiree I’d suggest you look into getting loan from "World Quest Finance, I am keep buying stocks every time they go down 2% - 5% making my average lower and lower each time.. I just spend $1000 today on one of the stocks that I own and my average now is $1.39 and current price of stock is $1.33 … Now, I just wait and if it goes more down I’ll buy more

[@ferreiraazevedo8861]

@@yarboroughbrad3082 While saving for a retirement is an important topic, it’s at least as important as what comes next: Your plan of action once you enter retirement. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income.

[@coffmanleonel6227]

@@ishaandevaj5587 Every individual needs funds to grow their business. For you to be a successful entrepreneur, you need to get extra money to boost your business. Getting a loan will allow you to make an extra move to expand your business. thanks for sharing

[@tiffanyjordan5188]

I realized something wicked was on the way 5 years ago , but I never imagined it would be so catastrophic I worked in a big hospital for 28 years , the BOD stripped our hospital to bare-bones and cut my hours drastically. Fk this, I felt the longer I stayed in HawAii or anywhere in the US , I was digging a deeper hole. my cobra payment was $600 a month. Luckily I was 62 and could retire early and then I moved overseas. Aloha

[@pavitra4621]

Acche stocks choose kiya hai... Wow ... Your Love towards stocks market make us go crazy, students love towards subject depends on the teachers love towards the subject

[@AbCxYz00712]

क्या बात है दीदी. मस्त कंटेंट आणि सादरीकरण. उद्या live किती वाजता असाल?

[@meghrajchavan7543]

I was looking for this type of video as it was difficult for me to actually analyze these many angles.. Really nice explanation in easiest way. Now I can check my case by my own.😀 Thank you very much Mam!!

[@Gathering_wisdom]

This sounds soo got damn foolish mam🥲🥲🥲🥲 don't give us false hopes looking at the past .. inflation has increased more than people's salary all the time🥲 if salry increased inflation has increased twice there is no way we would be able to effectively reduce years on loan🥲🥲🥲 plzz give us better option don't give us false hopes

[@darpanpatel259]

Highly informative and well thought 😊

[@WARRIERSTAXANDLAWS]

Very nice presentation Rachana ji … it’s useful also . I am joining as an investor for ur class . I am also a lawyer and expert in taxation and laws . Very much impressed abt your efforts 🎉🙏🏻

[@utkarshkothimbire1484]

Thanks a lot for making this video. Now it is easy to take a decision for whether we should go with repayment of loans or investing. As my age is below 30 and I can be invested for a longer duration I will opt for Investing rather than paying loans beforehand.

[@A4ADVENTUR3]

I am in mid 20s and your videos really cleared my options towards my future investments. Thank you for effort for delivering this quality content to all peoples, Can't get this quality of advice from any other place.

[@basantchoubey5137]

The challenge is cash flow.. Is there a guarantee that a good cash flow will continue for foreseeable future.. In that case, it's better to invest the money rather than paying debt.. But if there is risk to cash flow, priority should be given for loan payment.. Statistically last couple of centuries, most of the business busted due to debt which they were not able to serve during bad times..

[@saurabhpatil4436]

Increase in the intrest rate will lead to increase in time period for the repayment of loan.. and further those calculation are not considered in option2..

[@chandrakantsoni8967]

Most beginners make the error of trading alone without the necessary knowledge to enable them to profit from the market. I used to be that way, but everything changed because of expert Logan. Well, I'm glad I started investing in Mr. Logan's fantastic platform since I have never looked back.

[@sharonrobinson4205]

You're the reason why I'm a consistently profitable trader 🎉

[@sarahcarsley7893]

Trading with Mr Logan has changed my life because he has recovered all of my trading losses.

[@mahiiengg]

@chandrakant Soni.. you better go and beg on streets rather fooling people

[@nikhilgupta091]

In case of home loan also consider the tax benefit you get on interest payment. So if two people have taken the loan and availing 4Lc of tax exemption. This could save upto 1.2Lc per annum (30% tax bracket)

[@dranoopshende3540]

I was going through the same confusion since last few days. But this video as answer my all queries. Thanks a ton CA Rachana Ranade. Keep the grt work going. All the best 👍

[@ssmaitra1]

CA Rachana has illustrated the comparison based on "absolute interest". Impact of LTCG/STCG on investment returns was not considered in the discussion. An alternate viewpoint is to take time value of money into account i.e. look at XIRR of combined EMI & SIP installments + tax saving every year + LTCG/STCG at the end. Put all the projected cashflows of EMI, SIP, Tax Saving, LTCG etc. into a spread sheet and calculate the estimated XIRR. Think of the whole scheme of things as a "single investment product" with incoming and outgoing cashflows. If XIRR is negative, it's unlikely the scheme will be beneficial. Assume Home Loan interest rate of 10% & SIP return rate of 12% to keep some margin of error, in case you go wrong on estimating interest rates.

[@shashank521]

The same doubt was jumping in my mind for quite some time now. Thankyou for beautifully clarifying it to me. 😇

[@satyagopalnethi]

always option2. you'll get benefits of additional returns for that 5yrs too. dont forget considering taxation of any gains from investments

[@prakashdhardubey2698]

Thanks ma'am 😊

[@wilsonjubin35]

I was just looking for what to do with my home loan as the interest rates have hiked. And I saw your video got uploaded just that moment. My home loan is only aged 1 year. So I'm going to knock off as much of it as I can right now. Will reanalyze once 5 years are up or half of the principal amount is repayed, whichever comes first.

[@amolsg7]

@jubin: why u came to this conclusion...option 2 is also better option. .trying to understand if u got any other idea or understanding

[@wilsonjubin35]

@@amolsg7 My loan is actually a mortgage loan at floating interest rate, which is at 10.2% interest as of now. Even a 12% return in mutual funds is just a minimal gain compared to that interest rate. Hence I'm choosing to go for prepayment until half of my principal is paid (which I plan to do in the next 3 years). Post that, even the 10.2 interest would be less than the principal deduction of my monthly emi, at which point I can use my excess income for long term goals. That's my chain of thought. Also seeing my debt go down faster helps me sleep better.

[@rinki5066]

I needed it at this point of time. Thanks for making this video. Bless you

[@aryan8104]

In option 2 long term capital gain tax also needs to be consider

[@nirajkumar-tl2ic]

you should have shown comparisons with 12% return too. 14% is way too high return which is practically rare.

[@ashwinideshpande4066]

Hi Rachana, I love your all videos, not only English but Marathi also. You explained very well and in detail the calculations. I would like to learn about the other scenario. what if we repay lump sum amount as home loan part payment per year? also if made a part payment in first 5 years instead of investing it in equity or MF. what would be result? please guide.

[@yashgulati5084]

Amazing Teacher and have understood how to analyse stocks fundamentally

[@CARachanaRanade]

Thank you 😊

[@petpuran_8076]

Hello Ma'am, In option 2, following assumptions are made which may not be true over period of 15 years of time. 1. Assumption is investment in index fund 2. Rate of return on investment is 14% throughout 15 years. Also following is not considered in calculations in option 1. Persons investment after loan payout within 5_8 years also increases..that profit is missing in gain calculation in option 1

[@vikramkumarp]

If the loan interest rate is above 10% simple go ahead and clear loan don't listen to anyone.. it's not about returns it's all about peace of mind

[@arundas-ir2kc]

I was just thinking about these topic.. Thanks for providing making this one..

[@kunalmody6601]

More confusing. 10% Of Yearly EMI have to prepay after 5-7 year's of your housing loan. Afterwards we can invest in dynamic bond's instead of nifty ETF.

[@pranjal.pathakji]

Directly calculating the 30% tax savings on interest paid is not the ideal option because there is a 2 lakh maximum exception and most interest paid in a single year exceeds 2 lakhs. We do not receive the entire interest payment exemption. 15:25

[@SAGARTHAKUR-zn7vq]

Correct.

[@pranavagarwal6916]

Loan on fixed asset is always better than investment in other option.... U have not taken into account appreciation of the asset (in this case House ). After 15 years value of the house will also increase ... Lets say after 15 years house valuation has increased to 1.5cr .... In india 200% increase in house valuation after 15years is very likely... In a good Neighbor.... So effectively taking a home loan or any kindy of property loan is a win win situation

[@the_alpha_men]

Dono hi options situation ke hisab se bahatarin hai Thank you mam

[@yogeshkoshti4646]

If the home is under construction , what could be the action as you never know builder is going to finish work at given time . In this case paying loan to bank is also not good option as if you pay to bank n building is not ready then difficult n you are emty with your pocket.

[@mnefne]

In fd you can compound your money, then repaying home loan. Please check.

[@vigneshthinakaran8688]

Hi, Can you please explain us about Form 15G, Form 15H for TDS deduction of more than 5K divident

[@santoshkumarkar39]

IIFL gold loan vs SBI Gold loan... How to invest, where to invest... Else...

[@pradeepkanumuri3708]

Please suggest mutual funds which give returns of around 14% per year.this will be very much useful.

[@imranshaikh1824]

Mam aap jab bolna start karte he to usme hi itni ful energy dikhai deti h ke wo sher raftar kiyu nahi pakdega.....thanks k upar wale ne hamari life cheng karne k liye aap ko banaya

[@ramyasri6093]

Excellent video madam..and it's always better to clear off credit card, personal loans

[@harshgupta9816]

In option 2, I didn't get why we substracted 9.08 Lacs twice, if after 5 years, we are left with O/S balance as 43,45,000, then at increased rate (8.5%), keeping the EMI constant as 40,280; basically our tenure should increase to pay off the extra interest. I calculated it online, if we keep the same EMI and rate is increased, we have to pay the EMI for around 2 years and 4 months more, then we have to pay additional 10.5 Lacs (approx.). Shouldn't only this amount be substracted in option 2?

[@saswatab79]

Thank you Rachna that was a great example. My head is still reeling under all those maths. Can make a video on the same example with a Personal Loan or Car Loan instead of Home loan.

[@satysharma8020]

Repayment of loan for sure,nothing better than being debt free for a peaceful life Teacher Ji.

[@Aarthy92]

Hi. The advice was good. I just want to know in option 2 how Corpus size and absolute returns calculated pls

[@sirishakuchibhotla]

exactly hat i wanted.. searching last 6 months..thanku appreciate ur lear explanation

[@mayankagrawal6616]

What i know that you haven't considered the penalty the bank charges for early closing of the loan , kindly consider that also in your calculation in 1st scenario

[@rahulchoudhari7325]

Now as Rates have increased, banks have increased tenure. What will you suggest: To keep increased tenure as it is or to increase EMI to keep tenure as it was at the time of taking loan?

[@AnupamPatrapatanupam4]

To pay the additional 9 Lacs there's gonna be more interest paid on that too. The Option 2 would then decrease further.

[@asonpethkar314]

Hello Mam, it was really good comparison...will it be possible to provide the comparision of option 1 and 2 in attachment of this video with Excels. I want to check with diff raye of return

[@TheVijayasekaran]

What about the floating loan interest rates if it changes like this we may end up 12-13% for home loan alone. In that case it is better to make prepayment as and when possible is a viable

[@RaghunandanGhagharvale]

Hi Madam, Is the income tax component for the earning from the stocks not important??

[@Pramood009]

What is your view on Lesha industries and Bhatia communications? Please suggest for investment point of view

[@guruprasadk738]

I am doing option 2 & I am loving it 💰💰💰💰💰💰💰

[@anandp1989]

Your video intro's are full of humour... and good content.

[@navs432]

What is not being factored into all of these options and calculations is Risk - Life comes at you in a thousand ways...always better to become Debt free at the earliest possible timeframe , and is one of quickest way to build wealth afterward provided you make wise investment decisions.

[@anupamjana6456]

Looking forward for more such bifurcated videos , layman’s point of view , thanks 😊

[@mohanborkar1903]

How to beat inflation with investment between life needs focous Goal just Howcan balance our Goal

[@vikrammehta5539]

Madam your calculation is right but IN OPTION 2 do not we need to subtract total interest amount paid at the end of 20 yrs of home loan from returns from mutual fund to get final profit.. kindly answer..

[@drsonalisahu]

Actually, being a CA, She should have also shown LTCG tax to be paid for 15 yrs investment and then shown the NET gain. she showed the tax saved with home loan interest though.

[@phoenix14youtub]

I have put my Home loan in savings account linked loan scheme. Is it wise decision to park 30 lacs against 30 lacs of loan for initial 8 years out of 20 year term and then pull out the money? First 8 years interest portion is going to be higher than principle amount? FD rates are always less than home loan rates.

[@charangade1336]

Thanks mam! It's very informative. Quick question - what about the taxation on mutual funds returns? We need to take that into consideration as well right? I believe corpus amount is not entirely tax free.

[@AJ-dj6mf]

Yup! She hasn't considered taxation on MF/Equity returns and also completely ignored Time value of money as the Cash flows used are related to different time periods. But ofcourse that would make the calculation very complex!! The existing content is crisp and clear 🙂

[@pm_ind5572]

Thanks for valuable guidance.

[@ManoharSingh23]

The mathematical calculation is purely hinged around the 15yrs time duration. If you shift it in either direction, I mean Closing loan in less than 15 years (say 12 years) vs Closing loan in more than 15 years (say 17 years), gains would favor Pre-Closure vs Investment differently. Also, per year % returns from market is variable so with all due respect I am not that comfortable with this calculation maa'm.

[@reedipbanerjee]

This also does not take into account floating rate of interest which can be an issue , as Floating Rates increase with change in RBI's stand( the rates have changed 3-4 times in the last 6 weeks). Also, Top Ups and LPAs have higher Rates of Interest. Definitely , long term strategy of Investment makes sense but a more realistic way is to do pre-payment regularly( for example, every year) , and use the difference in EMI for investments

[@kishorekumar-re7tt]

Whether the TAX benefit is calculated only for 1 year ? i.e. 2 lakhs on interest, i assume tax of 2 lakh savings should be taken in account for the entire tenure.... let me know if am i missing something here

[@pk_90]

Hi Rachana ji, Could you let us know best way to invest in goal oriented direct mutual fund and how to track on MF(current Active SIP) performance. Is ET Money good choice?

[@vivekduttm]

Good stuff!! Very logical

[@ashokvyas3077]

Very well explained

[@mohitbhandari1106]

In the calculations we should consider the capital gains which we will be paying in case of equity mutual fund :) , Thanks for the analysis

[@learnnnjoy...]

Thanks for the insightful video! It shed light on the nitty-gritty of loan repayment vs. investment, including the often-overlooked factor of changes in home loan interest rates. Once again, Thank you, @CARachanaRanade Jee !

[@donaldlobo3112]

You have not considered the tax angle of the loan. In a home loan at 8% you get upto 2 lakhs interest waiver from your income tax slab, say a savings of 30%, which brings down the effective interest rate to 6%. So if one has any instrument giving 8% after tax, it is still worth it. An index fund could give an average of 10-11% after tax and may be a good option

[@HariKrishnan-dd1qg]

Convincing thought .....nicely explained.....you mesmerize everyone thro finlogic....great madam keep it up. Post more such interesting videos

[@CARachanaRanade]

Thank you 😊

[@naresh040]

Fundamental flaw is 14% interest.. it’s gamble rate .. try to see reducing by 1% nd then will see the game..

[@aniketpagar2229]

Thanks for the clear explanation

[@lifeisbeautiful7824]

The last sentence is important.

[@pdpanchal115]

On investment, when we redeem, need to give 30% tax. Include that also.

[@financialplanning1552]

investment is different and loan repayment is different how can you compare both?? no sense

[@sridevisridhar5732]

Is it good to sell the jewels and reduce the home loan burden ?

[@sathishbabu3793]

Madam, Could you please help me to understand Rs. 13600 * 180 months became 80 lakhs and 14% of returns in investment are too high where we not getting even 12% returns. So i like to get more information

[@deveshrishivankar1249]

Hi rachana... Sagal dokyavrun gelay..... Will I get excel sheets, for my calculation

[@aninditasarkar9579]

I am really impressed by your videos. I wish you become our future finance minister..

[@laxmanbinawade8918]

Suppose, If I have 15 lac home loan pending, and I have that lumsum with me , and I am in 30% tax slab, in that case if I do 15 lac FD with my parents or wife name, and continue my loan as it is , this is also beneficial for me rather finish the home loan.

[@shruthidn616]

Ma’am I’ve taken home loan for 30yrs and when I visited bank they told I can’t reduce the tenure.. what should I do in this case?

[@nagalingams2776]

Mam Can I Invest in US stock SIP through IND Money? Pls reply

[@arvindmahajan]

Please share any option apart from credit card to join as a Pro. Regards

[@LearnProgramsCJ]

Thanks Rachana. This is very clear explaination and my confusion is resolved

[@AnkitVerma-nf3wv]

1. FD returns post taxes will be close to 4% 2. If NBFC is charging high interest then loan transfer or negotiating for lower interest rate are also some options

[@katigita8112]

Rightly said instead of investing on FD , nocking home loan is kee metrics here

[@rattanstudio4376]

What is over flow transfer in home loan account means and what to do by customer point of view..

[@katigita8112]

Hi Rachna, is that we can declare of Income tax from at the time of paying emi starts.... Please clarify on this......