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Confused: Real estate or Mutual funds

Dear all

 I am 22 yr old .. govt employee….. Resident of Navi mumbai. I earn around 36 K and I am thinking of investments for after 3-4 yrs. In current scenario when real estate prices are rocketing ,will it be a good idea to invest 15-20 K each month in buying an aprtment as emi? or shall i invest same amount every month in  safe mutual funds.

plz guide me.

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