Latest news with #RajnishMehan
India Today
04-07-2025
- Business
- India Today
Real Estate vs Mutual Funds: Where should you invest, explains stock market expert
For years, buying property was every family's big dream. A house meant security, pride and wealth. But times have changed, and so have ways to grow money. With rising costs and better financial products today, is putting all your money into property still wise? Or should you look at mutual funds instead?Investor and stock market expert, Rajnish Mehan, wrote on LinkedIn, "Real estate made sense when returns were double-digit. But today? Today, it demands a second look. Because what worked in 2005 might not work in 2025." advertisementPROPERTY: MORE THAN BRICKS AND MORTARFor decades, owning a house or plot was the safest plan. People liked it for three big reasons: strong returns, a sense of security, and the social pride of saying "this is mine." "For decades, owning property was the default wealth plan, driven by: [A] High returns, [B] Emotional security & [C] Social validation," Rajnish double-digit returns are now rare. Property prices have slowed in many cities, rental income is often patchy, and selling a property can take months. Plus, buying property ties up a huge amount of money, with extra costs for upkeep, paperwork and FUNDS: A FLEXIBLE ALTERNATIVEOn the other hand, mutual funds have become more popular, especially for young and middle-class investors. They are regulated by Sebi, offer clear rules and let you invest small sums through SIPs."Mutual funds, on the other hand, have matured with SEBI oversight and transparent structures, offer access to equity, debt, hybrid across market cycles, allow SIPs that build discipline and remove timing stress, require no maintenance, no legal overhead and provide diversification, even at Rs 500/month," explains WHERE SHOULD YOU PUT YOUR MONEY?For today's investors, the choice between mutual funds and real estate depends largely on individual financial goals and circumstances.'One offers walls. The other offers freedom,' says the stock market expert. If you're young and want to build wealth, starting with mutual funds through small SIPs is smart. It builds the habit of saving and gives better returns over if you already have enough savings and can hold property for years, real estate can still help you diversify. But locking up Rs 50 lakh or more when you have limited income needs a second thought. Also, middle-class investors with limited capital should carefully consider the liquidity constraints of locking significant funds into property, said put, the decision ultimately hinges on whether one's focus is on potential growth or maintaining wealth in tangible, albeit less liquid, assets. Investors should consider both the emotional and financial implications of their choices, ensuring that their strategies are aligned with their long-term concluded his post by saying, "Wealth in 2025 won't be built on assumptions. It'll be built on awareness, allocation and alignment."- EndsMust Watch
India Today
25-06-2025
- Business
- India Today
Want SIP success? Do this every month, says stock market expert
The idea that small, regular investments can lead to big wealth sounds like a simple plan, especially when shown in colourful charts. However, in real life, things aren't that and stock market expert, Rajnish Mehan, wrote on LinkedIn, 'Rs 500 a month yeilds Rs 27.8 lakhs, Rs 50,000 a month yields Rs 27.78 crores. Looks like simple math but what's rarely shown is the human side of that equation. Because SIP calculators may project numbers. But they don't account for fear, doubt, or life.' advertisementHe mentioned that while SIP calculators do a fine job of showing projections, they don't account for emotions, self-doubt, or the unpredictability of mention said, 'Every advisor shares this chart at some point.' How a small monthly investment, done consistently over 30 years, could help you retire rich. What they don't show is what happens in between. Life doesn't move in straight lines like SIP charts. In the real world, people face sudden job losses or unexpected health problems, etc. Sometimes, markets crash and wipe out months of gains, or investors feel disheartened when Rs 500 becomes just Rs 610 after a year. Mehan said that these moments are when most people quit.'That's where most investors give up not because SIPs don't work but because patience is harder than maths,' he real journey of wealth-building through SIPs is not about picking the right mutual fund or chasing high returns. It's about the quiet decision you make every single month, to stay invested. As Mehan rightly puts it, 'It's not the Rs 10,000 SIP that builds wealth. It's 360 decisions, one every month, to continue it, especially when you don't feel like it.'When markets are uncertain, it's common for individuals to consider halting their SIPs. Yet, history shows that those who continue investing consistently, even during tough times, often achieve better financial outcomes. They allow their investments, and their discipline, to compound over further mentioned, 'Because the 14% CAGR doesn't come from markets. It comes from behaviour within markets.' In other words, how you act during ups and downs matters more than what the market concluded by saying, 'And returns compound on paper. But real wealth compounds in patience.'- EndsMust Watch
