Hello Experts ,
Looking for Investment for time horizon for next15-20 years , which instrument will yield better and safe return as i m looking for my kids future .


Amount 20-30 Lacs in span of 2 to 3 years
Time Horizon : 15-20 year
Investment objective: Corpous buildbup for Kids

My own research and infact confused

1) One time and regular SIP in Diversified Equity Fund
2) Plots in Bhiwadi
3 )DLF plots in Indore

Dont dare to suggest apartments:bab (59): as i hate builder and CLP plan as i already invested in new gurgaon and my view is totally negative for builder flats specially in CLP.

Kindly suggest..
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  • Kindly suggest seniors..

    I have two plots at tier 2-3 city of Punjab.One fully paid developer plot and another PUDA allotted plot. 25% Payment already made for this one, waiting for next installment.

    Around 5 lakh in Mutual Funds through SIP.3-4 lakh in PF-PPF etc.

    Should I sell one plot and invest in MFs for long term investment or keep holding my plot investments.

    Sent from my C1504 using Indian Real Estate Forum mobile app
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  • Originally Posted by Sandy2003
    Kindly suggest seniors..

    I have two plots at tier 2-3 city of Punjab.One fully paid developer plot and another PUDA allotted plot. 25% Payment already made for this one, waiting for next installment.

    Around 5 lakh in Mutual Funds through SIP.3-4 lakh in PF-PPF etc.

    Should I sell one plot and invest in MFs for long term investment or keep holding my plot investments.

    Sent from my C1504 using Indian Real Estate Forum mobile app


    Diversification is important. You are already invested in MFs and PFs; if you are in a position to hold the plot for long term, then it would make sense to hold it. Plot returns would be substantial over long term period of 15 years.
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  • Venky, BlessU, Mike , Pls share your expert advice..
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  • 1. If saving for 20 years later - time period for saving should also be 20 years. Not 3 years.

    2. Everyone needs bond (PPF) stock (MF) and Real estate.

    3. Assume your 20-30 lakhs is 10 lakh corpus plus 1 lakh per month.

    4, Split 1 lakh per month into 3.

    5. 13500 put in PPF every month.

    6. Make FMP of 20,000 every month. Make FMP of 300000 corpus.

    7. Put 40,000 in stock SIP every month. Bulk buy stocks for 300000 on market correction

    8. Use 400,000 for downpayment on a flat

    9. Pay 30,000 per month as EMI on the flat on 15 year loan.

    Now you got a diversified portfolio.

    If your child is a girl and you are stuck on gold jewelery (ideally bring up your girl to despise gold) and if your relatives are conservative and entire family is crazy over gold jewellery - then start a gold MF SIP of 5000 per month for next 20 years to be sold to buy gold at marriage time. For boy child or sensible family / kids - eliminate the gold SIP
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