home loan or SIP investment

POSTED BY vijay ghadge ON April 6, 2013 12:26 pm COMMENTS (4)

Dear all,

          I am confused about to plan my finances.

My main question is for the long term perspective ,whether to buy a second home through home loan or invest in mutual fund through SIP.

Which stratergy will be useful and very best.

Kindly advice me.

4 replies on this article “home loan or SIP investment”

  1. Dear Dev, thanks for making classical mistake of looking for 1Y or 2Y return when criticising MF investing. Should I add more?

    Thanks

    Ashal

  2. Dev says:

    Present Realty prices make you think , not to invest in home loan. But again my question is regarding SIP , how to choose fund . Do we need to look past 5 years of performance or any other route/strategies involved.

    Even present market shows that MF also getting some negative returns for the past 1 year,.

  3. Dear Vijay, in case of home loan, loss in terms of interest outgo is known, earning in terms of capital appreciation is unknown. SIP in MFs- earning in terms of capital appreciation is unknown but at least loss is not that much unknown.

    My personal take for my own money is to opt for MF SIP.

    Thanks

    Ashal

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