Reliable Investments,Mahim,Mumbai,India

01/10/2025

30/08/2025

Buying an under construction flat?

Buyer Beware

Congratulations for making a decision to buy a flat. Now and next few years are going to be buyers market for flat buyers,as there is going to be oversupply with current construction boom.So go ahead and negotiate with the seller.Even the home loan rates will come down now.

What are the advantages of buying an under construction flat?

1.Choice is almost unlimited
2.You get payment facility
3.New construction
4.Loans are available instantly on approved projects
5.Modern amenities

What are the pitfalls?

1.No guarantee of possession and date in spite of Rera
2.Plans keep changing
3.Taxes and levies can unexpectedly go up or new levies can crop up
4.High on promises,less on delivery
5.Litigation with builders can take years to resolve
6.Water and gas connections can be delayed
7.Work can go on endlessly post possession also,with many owners moving in over time.
8.Agreements are fully in favour of the builder.

Best is to buy a property with at least 3 years post occupation certificate and formation of society.

With water and gas connections in place.You get what you see.

Best time to buy a home is around age 40,so that a couple has steady jobs,growing children with steady school.

Of course,save more and invest more in equities to be able to afford any house,anywhere you like.History shows that Equities outperform built up property in the long run.

You can’t just keep the money in bank or fixed deposits as property appreciates faster than these.

Till such time,rent a home.They are available aplenty.At just 2-3 percent per year of the cost of the house.

One can keep changing such houses till they settle down and zero in onto the area where they would like to stay permanently.

CA Paresh R Sukhtankar
Certified Financial Planner
Co-Founder Reliable Investments

Disclaimer:These are my general views.One is advised to take proper personal guidance from their personal financial guides

29/08/2025

Sip v/s Lumpsum Investments

The eternal debate

This question is tormenting investors since last 3-4 years as they have been confused by the end results.

So let us understand what is SIP.

SIP is nothing but a monthly/quarterly lumpsum.

Why SIP?

Simply because investors don’t have a lumpsum to invest and many have monthly savings only,which need to be invested.
So SIP investors are buying units every month with same amount irrespective of market conditions.
Thus they are getting more units if markets are down in that particular month or less units if markets are up.This way they are doing rupee cost averaging.

1.Rising markets
Sip will keep buying at higher rates

2.Falling markets
Sip will keep buying in falling markets

3.Volatile markets
Sips will keep buying more or less units depending on volatility

Now let’s consider each scenario

1 obviously a lumpsum investment would have done much better
2 obviously a lumpsum investment would do poorly as compared to sip
3 obviously results will vary depending on whether you invested lumpsum when markets were high or low
eg a 15 year monthly sip in a scheme has delivered 12.7% cagr as compared to a cagr of 11.67% for lumpsum
So a 10000 monthly sip the cost is 18 lakhs and today’s value is 53.97 lakhs but if he had invested 18 lakhs in one go then today’s value is 94.26 lakhs for the same amount of investment in spite of lower lumpsum return.

Investors must realise that this is power of compounding at work and that in sip he is still investing and so last instalment is just one month old investment whereas his original 10000 is 15 years old which today has become 52,000.

Let’s take a more recent example of a 5 year sip of an average fund

The multicap category in last 5 years has delivered a lumpsum return of 11.2% and sip return of 13.69% due to high market volatality.

so if someone started an sip of 10k,after 5 years his value is 8.64 lakh, with total investment 10k*60 months=6 lakhs
But a lumpsum investor who invested 6 lakhs in one go,his fund value today will be 10.20 lakhs which is higher than sip investor in spite of lower returns.

So the bottomline is invest if you have money now and let the power of compounding work in your favour,if not, invest monthly as you earn.
26.2.2024
CA.Paresh Sukhtankar
Certified Financial Planner
Co Founder:Reliable Investments
Disclaimer:Mutual funds are subject to market risk.Please refer to the
Offer documents and your advisor before investing

29/08/2025

Domestic Q1 GDP Growth At 7.8%, Highest In Five Quarters…Estimates of 6.7% …Strong growth in Manufacturing, real estate and Financial sectors



· Gross domestic product growth (Q1 GDP) came in at 7.8% in the April-June period,. This is the sharpest GDP growth in the last five quarters. The GDP was estimated to grow by 6.7% during the quarter under review, according to economists polled by Bloomberg.

· Manufacturing witnessed a growth of 7.7% for the first quarter of the current fiscal year on an annual basis. The manufacturing industry had recorded a growth of 7.6% in FY25.

· Meanwhile, financial, real estate and professional services witnessed a growth of 9.5% in June quarter as against 6.6% in Q1 of the previous fiscal.









Disclaimer-

26/08/2025

Episode on investing for businesses and businessmen now live on YouTube

Watch the premier episode of Informed Investing Season 2 partnered by ET Now.Learn how businesses can also use mutual funds to their advantage and plan liqui...

22/08/2025

Repeat telecast today at 4.30 pm
Helpful for businesses and business owners

21/08/2025

Dear all,
Sharing the tune in promo that is live on ET Now for the premier episode airing today at 4:30PM.

Season 2 of Informed Investing is here! 🚀 In partnership with ET NOW, this season goes beyond the basics, bringing you sharper insights, expert perspectives...

19/08/2025

Watch me here…..

When you’re informed, you’re unstoppable.
Tune in to Informed Investing Season 2 partnered by ET NOW for sharp, simple, and smart money insights.

Original Telecast: 21 Aug | Repeat: 22 Aug
Time: 4:30 PM

The contents posted here are intended only for those who access it from within India. For more details refer to our website.

19/08/2025

Happy to share that I have participated in a show called Informed Investing by ET Now which is aimed at simplifying mutual fund investing and helping investors like you take a more informed decision.

We have attempted to cover various aspects of mutual fund investing and how it can be beneficial for your financial journey and financial well being.

Telecast date: Every Thursday and the repeat on Friday

Time: 4:30PM

Channel: ET Now

Format: Panel discussion which is moderated by a leading anchor of the channel.

I will be featured with other esteemed industry stalwarts on the show. We all have together exchanged our views and discussed about the various facets of mutual funds and the various roles they play for all investors and businesses.

Trust you will be equally excited to see this initiative on television as much as I have enjoyed being a part of it.

I will share a spearate email when my panel is going to be telecast so that you can tune in for the same.

Your unflinching trust has brought me this far and now looking forward to reaching the next mile together.

Onwards and Upwards Cheers.



Regards

Paresh R Sukhtankar FCA,CFP
Founder Partner
Reliable Investments
61430200