With the decreasing interest rates in banks, what is the next best investment option for the public?

This hurts the Common man. if inflation is 10 percent, and you are earning 9 percent on your fixed deposits, you are actually losing money putting in the Bank.

If we have some money so the best option for investment to buy small plot in any area and save it some time and shell  it again you repeat this procedure many times,  because day by day plot rates will be high and your interest rates high also.

Vikram Sharma wrote:

If we have some money so the best option for investment to buy small plot in any area and save it some time and shell  it again you repeat this procedure many times,  because day by day plot rates will be high and your interest rates high also.

I agree investing in real estate is another good option, however one must be knowledgable in this field. There is always a risk involved. however it is still worth a try. I have seen many people getting rich by investing in properties and selling them after few years, it fetches lot of money.. 

Investing in Real estate is profitable. Construction boom in India is growing fast now . The Government has decided to build Smart cities in many states . It can produce a huge cash flow on monthly basis. the cash generated is much higher

But is buying a plot requires more funds.  Not everyone vl have that much and also property rates are increasing only in the city and it's outskirts or places whr sme construction r going on.... Other than that it's not varying much.

An individual or a group of persons,can form a group. Bank loans are available. Over a period.,  the amount  of interest you pay to the Banks will be much less than the profits you  earn through Real estate  Business.

rambabu wrote:

An individual or a group of persons,can form a group. Bank loans are available. Over a period.,  the amount  of interest you pay to the Banks will be much less than the profits you  earn through Real estate  Business.

Cant agree with you in this regard at all. For one its very diffiicult for people to group together for buying a property because there are n  number of disputes that are likely come up when it comes to ownership share inheritance etc etc. Secondly, taking bank loans for a property you are buying for investment would be a risk you are taking. If the prices do not increase then you would actually be in a loss paying the interest to the banks.

The essential criteria for Real Estate is forming a group. Because of their common interest, Profits.Real estate consultants are there in AP. The question of disputes will Never arise. I myself live in a Flat built by a Real Estate group . The Builder lives in the Same lat. Even after construction is completed, the Builder attends to all the problems related Power Supply, Water problems etc.

rambabu wrote:

The essential criteria for Real Estate is forming a group. Because of their common interest, Profits.Real estate consultants are there in AP. The question of disputes will Never arise. I myself live in a Flat built by a Real Estate group . The Builder lives in the Same lat. Even after construction is completed, the Builder attends to all the problems related Power Supply, Water problems etc.

You are forgetting the point of discussion. I am not talking about builders or real estate agents etc. The discussion is about a common man. Please do keep the focus of the topic of discussion. Else you can start a separate thread topic you wish to discuss

Even the common man too will be benefited. A Real Estate has to  include a plumber, a Carpenter and a Care taker or watch man and  a laundry. Of course, the monetary benefits will vary. Another advantage  for the Common man is, he gets a Job.

There is no necessity of starting a separate thread. Because, My Builder lives in the same flat, where I live. He and a separate  group, known as 'House Committee ' discuss flat related problems periodically. I'm a member in the House committee.

Those who are young in their 20s & 30s, start doing "SIP" to earn better return than having deposit money in Fixed Deposit. Real Estate is also another good option. 

SIP is Systematic Investment Plan, is a plan where you start puting money in a fund on monthly basis. The money keep on compounded on yearly basis and keep on growing. 

This is best strategy to grow your money. If you haven't started, start Today.

rambabu wrote:

I prefer investment in Real Estate The reason is, if  you take a  Mortgage to finance a rental, you are increasing your equity with every mortgage payment. I put down 25% on my last rental and with mortgage repayments am around 33% equity at the moment.,those 8% of the property value were paid by rents and are increasing my net worth every month

 

This is copied post which is dead against rules of the forum. Next such post will close your account

rambabu wrote:

suni51 wrote:

rambabu wrote:

I prefer investment in Real Estate The reason is, if  you take a  Mortgage to finance a rental, you are increasing your equity with every mortgage payment. I put down 25% on my last rental and with mortgage repayments am around 33% equity at the moment.,those 8% of the property value were paid by rents and are increasing my net worth every month

This is copied post which is dead against rules of the forum. Next such post will close your account.

I posted earlier too I said I preferred investment in Real estate. I meant investing in Real estate  is profitable, because if the Realtor takes a loan from the Banks and rents the property, the returns will be more profitable because he collects the rents from the Occupiers. You can see earlier posts on Divya's post

 

So you want to deny that this post is not copied from Huffingtonpost word by word? Please do not give lame excuses to hide your fault. 

suni51 wrote:

rambabu wrote:

suni51 wrote:

rambabu wrote:

I prefer investment in Real Estate The reason is, if  you take a  Mortgage to finance a rental, you are increasing your equity with every mortgage payment. I put down 25% on my last rental and with mortgage repayments am around 33% equity at the moment.,those 8% of the property value were paid by rents and are increasing my net worth every month

This is copied post which is dead against rules of the forum. Next such post will close your account.

I posted earlier too I said I preferred investment in Real estate. I meant investing in Real estate  is profitable, because if the Realtor takes a loan from the Banks and rents the property, the returns will be more profitable because he collects the rents from the Occupiers. You can see earlier posts on Divya's post

So you want to deny that this post is not copied from Huffingtonpost word by word? Please do not give lame excuses to hide your fault. 

No I do not deny that I took my content  from Huntington Post. But this much I can say that I did not copy and Paste. The decision is left for you.  I know that copying and pasting is not allowed. earlier when i did it, you yourself deducted my points. Once again I request you to see my Posts on this discussion.

RThge best option is equity schemes of mutual funds. Those who have skill and time can consider direct investment in shares. One more alternative is to but debentures or bonds from stock market at discount.