Welcoem to posts!!
in the future - u will be able to do some more stuff here,,,!! like pat catgirl- i mean um yeah... for now u can only see others's posts :c
May the lights of Diwali illuminate your path to financial success!
Finsherpa wishes you a year filled with prosperity, wealth, and happiness.
Happy Diwali!
#happydiwali #diwaliwishes #festivaloflights #diwalivibes #financialfreedom #finsherpa
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Wishing a happy Ganesh Chaturthi to our esteemed investors and partners!
May Lord Ganesha's blessings pave the way for a prosperous financial journey, filled with wisdom, success, and exponential growth.
#happyganeshchaturthi #ganeshchaturthiwishes #lordganeshablessings #prosperousfinancialjourney #financialprosperity #finsherpa
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We all know how to invest in real estate properties. Many of us have even spent a lot of time researching before buying our first property. But for this discussion, let's assume you made your property investment about 20 years ago, and today, for some reason, you're looking at divesting it.
Why would someone want to divest their property investments after 20 years?
- Flattening Returns: Your returns have started to flatten out. It might be a good time to encash the investment now.
- Specific Goals: You could need the money for your child's education or wedding. Now’s the right time to use that investment.
- Relocation: If you’re moving abroad, managing property from afar can be impractical. Selling and reinvesting might make more sense.
- Consolidating Investments: As you age, consolidating investments is crucial, especially if your children are abroad. Fewer assets close to you can be more manageable.
Key Terminologies
- Sale Price: The price in the sale deed.
- Net Sale Price: Sale price minus incidental expenses like brokerage.
- Purchase Price: The original price you bought the property for.
- Indexed Purchase Price: Purchase price adjusted for inflation using the income tax indexation benefit.
- Capital Gains: Net sale price minus the indexed purchase price.
- Capital Gain Bonds: Bonds under Section 54EC to avoid capital gains tax, with a 5.25% return over five years.
Example Calculation:
- Sale Price: ₹70 lakhs
- Brokerage (2%): ₹1.4 lakhs
- Net Sale Price: ₹68.6 lakhs
- Purchase Price (20 years ago): ₹8.5 lakhs
- Indexed Purchase Price (for 2024-25): ₹27.45 lakhs
- Capital Gain: ₹41.14 lakhs
Investment Scenarios:
- Capital Gain Bonds: Invest ₹41 lakhs in bonds to avoid tax and earn 5.25% per annum, growing to ₹53.13 lakhs after five years.
- Conservative Investor: Pay ₹8 lakhs in tax, invest ₹32 lakhs in low-volatility funds and get about ₹53 lakhs after five years.
- Aggressive Investor: Pay the tax, invest ₹32 lakhs in aggressive equity or mutual funds, potentially growing to ₹66 lakhs in five years.
Conclusion:
- Conservative Investors: Opt for capital gain bonds for stability and upfront tax savings.
- Aggressive Investors: Go for stock market investments for higher potential returns, despite the risks.
- Ultimately, it depends on your comfort with risk. A conservative approach offers stability, while an aggressive strategy can yield higher returns but with more volatility. Choose based on your investment style and financial goals.
So, what's your investment style? Conservative or aggressive? Share your thoughts in the comments
#realestateinvesting #property #highreturns #propertysaleinvesting #divestment #investmentoptions #capitalgainbonds #propertysalemoney #finsherpa #financialadvisor #babukrishnamoorthy
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FOMO: Don't Believe Everything You Think - The Fear of Missing Out
Have you ever felt like everyone around you is making money, but you're not? You're scrolling through social media, and all you see are success stories and big wins. Your friends are talking about their investments, and you can't help but feel like you're missing out.
That's exactly what happened to me one Thursday evening. I was feeling exhausted from a long week, and all I wanted to do was relax. But then I saw my friend's post about a 50% return on a stock, and my aunt's message about investing in gold. Suddenly, I felt like I was the only one not making money.
That's when it hit me - FOMO, or the fear of missing out. I started wondering if I was doing something wrong, if I was missing out on some secret investment strategy that everyone else knew about. I quickly opened my laptop and started researching the best investments for 2024, wondering if I should jump into the stock market or buy some cryptocurrency.
But then I stopped myself. I realized that I was about to make a classic mistake - jumping into a trend without understanding it, just because everyone else was doing it. And that's exactly what FOMO can do to us.
So, how does FOMO affect investing? Well, here are a few things to keep in mind:
- Don't jump into a trend you don't understand. Just because everyone else is doing it doesn't mean you should too.
- Make sure your investments align with your temperament. If you're risk-averse, don't invest in something that's too risky for you.
- Don't invest for quick riches. Investing is a long-term game, and you need to be patient.
- Don't believe everything you hear. Just because your friend made a big win doesn't mean you will too. Ask questions, do your research, and make informed decisions.
So, how can you avoid falling prey to FOMO? Here are three things to remember:
- Stick to your investment plan. If you already have a plan in place, don't deviate from it just because someone else is doing something different.
- Think long-term. Investing is a marathon, not a sprint.
- Do your research. Don't jump into something without understanding it, and don't believe everything you hear.
Remember, investing is a personal journey, and what works for someone else may not work for you. Don't compare yourself to others, and don't let FOMO dictate your investment decisions.
Thanks for reading, and don't forget to subscribe to my channel for more videos on smart investing!
#fomo #personalfinance #fomotrap #fearofmissingout #investmentfomo
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What type of bonds are issued by local governments?
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Unlock financial empowerment and seize boundless opportunities at our 'Wealth for Women' webinar on November 4th! Your dreams are achievable milestones waiting to be reached.
Registration link in the comment section & secure your spot today!
#webinar #wealthforwomen #financialfreedom #womenandfinance#financialempowerment #finsherpa #babukrishnamoorthy
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Timing is everything when it comes to investing?
Not quite. Your first income is the perfect time to start, but if you missed that, today is your next best opportunity! 💰📈
#Investing #PerfectTimeForInvesting #StartInvesting #GrowMoney #StartEarly #Finsherpa
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"Discover why Gold Sovereign Bonds are the smart choice for your investment portfolio! 💰
From safety and government backing to capital appreciation and tax advantages, there are compelling reasons to consider these bonds. Explore the benefits and start securing your financial future today. ✨
For a comprehensive understanding of Sovereign Bonds, watch our detailed video: https://youtu.be/LsXnyUI3vAg
#sgb #sovereigngoldbond #goldbonds #sovereigngoldbondscheme2023 #goldinvestment #financialsecurity #investingold #governmentbacked #capitalappreciation #annualinterest #taxbenefits
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Do you invest in Sovereign Gold Bonds as part of your investment portfolio? If you want to know more about Gold Bonds before answering, there is a video we made. You can watch and answer the Quiz later!
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