In 20 years, you’d end up paying Rs. 1,04,35,582.<\/p>\n\n\n\n
Option 2: Investing in Mutual Funds\/Stocks<\/strong><\/p>\n\n\n\n Assume you invest the same EMI (Rs. 38,975) in a mutual fund expecting an average return of 12% per annum for the next 20 years.<\/p>\n\n\n\n At the end of 20 years, you would have accumulated Rs. 2,89,80,416.<\/p>\n\n\n\n So, based purely on monetary terms, it looks like investing in mutual funds\/stocks could potentially provide a larger corpus after 20 years. But, decisions like these should not be made based solely on the numbers.<\/p>\n\n\n\n A home isn’t just a financial investment; it’s an emotional one too. You need to consider the comfort and security of having your own home. You can’t quantify peace of mind!<\/p>\n\n\n\n The investment option comes with its own set of risks and requires disciplined regular investing and patience. There’s no one-size-fits-all solution here. It’s about what fits your financial situation, risk tolerance, and personal preferences.<\/p>\n\n\n\n For personalized advice tailored to your unique needs, consider engaging with a financial advisor. At Maxiom Wealth, we offer expert investment advisory and portfolio management services designed to help you make informed decisions.<\/p>\n\n\n\n\n Maxiom Wealth \u2014 Free Tool<\/p>\n Two funds with similar star ratings can deliver very different outcomes. Use our fund comparison tool to check if you’re in the right scheme for your risk profile and investment horizon.<\/p>\n Compare Funds \u2192<\/a>\n Talk to a Financial Advisor<\/a>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":" As an investment advisor, I’m reminded of the wisdom shared by Warren Buffett, who said, “Risk comes from not knowing what you’re doing.” So let’s try and understand both the paths before deciding which one is better. Let’s suppose the cost of the house is Rs. 50 Lakhs and you are looking at a home… Read More »Which one is better; have a home loan for 20 years, or invest in stock or mutual funds for 20 years and buy a home using that money?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[144,9],"tags":[],"class_list":["post-569","post","type-post","status-publish","format-standard","hentry","category-buy-vs-invest","category-financial-planning"],"_links":{"self":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/comments?post=569"}],"version-history":[{"count":2,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/569\/revisions"}],"predecessor-version":[{"id":3929,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/569\/revisions\/3929"}],"wp:attachment":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/media?parent=569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/categories?post=569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/tags?post=569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<\/figure>\n\n\n\n
Is Your Mutual Fund Working Hard Enough?<\/h3>\n