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Return is king in real estate. Mark Twain is said to have remarked, “Buy land, they’re not making it anymore.” He simply put words to the thoughts of real estate investors. There are several stories of flats/plots from the ’5. That is the kind of stuff that keeps the legend of real estate investment alive and kicking. Is real estate the best investment vehicle compared to gold or equity shares or the perennial favourite, fixed deposits? For starters, it is important to first define “real estate investment”.
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Buying an under- construction flat is not real estate investment. You are actually lending money to a developer with the hope that he will deliver a flat to you in the not- so- distant future.
You better make a good return when you buy an under- construction flat. Return follows risk, and in the Indian context, the risks of buying an under- construction flat are so high that developers have to provide a price that gives you good returns. There is nothing wrong in buying an under- construction flat in the quest for higher returns as long as you understand the risks involved. Most people don’t. And those who are otherwise “safety” seeking investors make this investment under the notion that they are investing in “real estate”.
Very few investors know that the largest number of pending cases in consumer courts is with respect to developers not delivering on promised flats. The other mistake people make is the assumption that buying a house to stay in is real estate investment.
I would put it more in the category of a consumption item like gold jewellery. You know it has decent resale value but you are unlikely to sell it unless your life is at stake. As an aside, there is a very vocal minority that advocates that it makes no sense to buy a flat for your own residence. They have plenty of charts, tables and rent- versus- buy calculators to prove their point. I think these rent- versus- buy calculators miss a very significant cost which is that of defying social convention. Buying your own house (even with a fat loan) is considered the sign of having achieved financial stability.
The cost of social pressure is enormous and the sense of security you get by conforming to the social norm (of owning your own residence) is way too high to be ignored. Image: Getty Images. Watch Wife Vs. Secretary Online Fandango on this page. Most people don’t understand the risks involved in buying an under- construction flat in the quest for higher returns. This brings me to why a real estate investment that runs into “thousands” turns into “crores” in just two generations.
Real estate investments tend to be lumpy—the thousands invested in the ’5. Plus, it is not always easy to liquidate a real estate investment unless you are a very active investor. Most investors are not active and this lack of easy liquidity, which is actually a disadvantage, turns into its biggest advantage as the asset continues to accrue and compound returns.
BibMe Free Bibliography & Citation Maker - MLA, APA, Chicago, Harvard. Corvettes are dirty cars. I don’t care how many times they go to LeMans with the Z06, a Corvette will always remind me of Dirk Diggler, the 1970s, shag carpeting. Mediagazer presents the day's must-read media news on a single page.
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The most crucial bit about these investments are the returns. Let’s assume you have invested Rs 1 crore in a flat in Mumbai in 2.
If you could travel to 2. Rs 1. 17 crore, will you think that you’ve made a great investment? If you are delirious with the result, it typifies the legend of real estate investing.
The actual return on this investment is just 1. The post- tax return will be in single digits. Showtime Full Max Steel Online Free. It is a decent return, but not spectacular. This is what I call the ‘law of large numbers’ where the large upfront investment accrues decent compounded returns over very long periods of time (because of illiquidity), resulting in a large value on sale.
We did a small dip stick survey on the real estate market in Mumbai. Ready reckoner values [market value of properties] are available for 2. While the ready reckoner values trail the real prices in most cases, they keep pace with the increase in prices, and hence, the returns calculated using these rates will tend to be quite close to the actual returns. In the best- performing locality of Colaba, the average 1. The returns are far more volatile if you take a lower time period of five or eight years. If you include the returns from investing in under- construction properties, you will notice that over long periods, they are only slightly better than “safe investments” such as fixed deposits. Given the fact that real estate is a high involvement asset, the “extra” return over a bank fixed deposit is a “must have” rather than “nice to have”.
If you look at a comparative return on the Nifty, it is far superior with much lesser volatility. Not a single 1. 0- year return is negative in this case. But unlike equities, real estate prices are not published on a daily basis and hence, a drop in rates is not publicly visible. Thus, you don’t see panic selling. Because of the illiquidity, the investor also doesn’t book profits prematurely (when prices rise) as in the case of equities.
Hence, real estate tends to allow the magic of compounding full play unlike any other asset class even if the rate of compounding is not very high. We have many clients who have up to 8. As part of the asset allocation exercise, when we ask them to sell one of their properties, they look at us as if we have asked them to sell one of their kidneys. It is always an uphill battle to convince them. In conclusion, you should definitely invest in real estate as long as you have a fairly large portfolio and only some portion (up to 3. But don’t delay buying your own home, and understand what you are getting into if you are buying an under- construction flat. Illustration: Sameer Pawar(This story appears in the 0.
February, 2. 01. 5 issue of Forbes India. You can buy our tablet version from Magzter. To visit our Archives, click here.).
The Dirtiest Corvette Ever. Corvettes are dirty cars. I don’t care how many times they go to Le. Mans with the Z0. Corvette will always remind me of Dirk Diggler, the 1. Even the new ones. Most owners I know embrace their heritage rocking excellent vintage mustaches and jewelry.
They learned at an early age that gold goes well with a Corvette. I learned this as a kid too. I also learned that you never button your top three buttons when in the presence of a Corvette. You can’t let it know that you’re not cool. But this Corvette is different. It’s like someone shrank it into a little Miata and then turned it into a dune buggy!
This is Brian Ballinger and Chris Smiths’s build for the next Gambler 5. Before we get into how great this is, lets get one thing out of the way. This is my least favorite Corvette model.
It’s the one Barbie drove. It’s the Corvette most likely to enjoy the latest Michael Bolton album with its owner. Yet Brian turned it into heavy metal. You see this pull up and you pray he’s not here to pick up your daughter. No way Barbie would drive this.
This is awesome. I actually don’t know that much about Corvettes but I can only assume that the factory gas tank was somewhere near the rear bumper and all the stuff that Brian cut off. I assume that’s why there is now a giant fuel cell dominating the back of the car. I also can’t help but see the desert racing dune buggy like stucture that’s been hiding under all that sports car. Amazing what a set of 3. Corvette. The mustache and mullet completes the look though. Brian and Chris call their creation the “Van Damme Vette” and it reminds me so much of my Baja Pig!
The really cool part about their build is that its still on the factory suspension. They just cut away the bodywork instead of putting the wheels outside of it. Brian’s entering it in the Detroit Gambler next Spring and you can follow the build on Brian Ballinger’s and Chris Smith’s Facebook page. Maybe I should build a V8 powered Corvette? I asked why he started with the Corvette and “Free” was the answer. Oh, and with the one condition that we race it!” This is how the best racing stories start. I naturally suggested he cage it and run in the Baja 1. Brian’s response was, “It’s on my bucket list.”.