Is Rental Home Investment profitable? (தமிழ்)

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Is Rental Home Investment profitable? How can we calculate the rental home returns? How does it compare to equity investment? Explained with all sample calculations. In Tamil with English subtitles.
00:00 intro
00:45 Rental Home Investment
01:01 Rental home in India
06:05 Rental home in USA
06:52 Rental home investment with mortgage (India)
08:21 Rental home investment with mortgage (USA)
Rental Home Investment Calculator:
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#VijayMohan #InvestmentInsights #InvestmentInsightsTamil #RentalHomes #RealEstate
DISCLAIMER:
The content of this video is my own opinions and is for information purposes only. It is not intended as a substitute for professional financial advice. It is only intended to provide education about investments.

Опубликовано:

7 авг 2024

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Комментарии : 242

@HiSarvesh 5 месяцев назад

Super !! முதல்ல என் மாமனாருக்கு இந்த video அனுப்பிடென் !! 🙏 இனிமே தொல்லை விட்டுது

@InvestmentInsightsTamil 5 месяцев назад

🤣

@kalimuthusamy8010 5 месяцев назад

😂

@karthickselvaraj736 5 месяцев назад

😂😂😂

@prasannasrinivasan4258 5 месяцев назад

எங்க போனாலும் மாமானார்கள் தொல்லை😢

@jeevakannan_u 5 месяцев назад

Haha

@KrishnaVeni-se9wr 5 месяцев назад

Thank you for making this video and Congratulations for 200k subscription reached 🎉

@prajan5971 5 месяцев назад

Thank you Vijay 😊 It seems you are engaged enough in the life even after FIRE and we miss your regular videos

@shivakumar-lv1wn 5 месяцев назад

Thanks Vijay for your insightful videos.I enjoy watching your videos as i learn something new everytime !!

@FreeStockPortfolio 5 месяцев назад

Watching your videos with English subtitle, worth watching. My portfolio is also growing like anything.

@ravichandran1469 5 месяцев назад

வாழ்த்துகள்! 💐💐💐

@chuchukidstv3035 5 месяцев назад

Vazhthukkal sir. Big respect

@baskarv77 5 месяцев назад

Congratulations Vijay and thanks for sharing wonderful information. In Australia we have tax benefits for investment properties like interest paid, all expenses, council rates etc we may need to consider that as well.

@muthukumark6348 5 месяцев назад

❤thanks Vijay I am also Tirunelveli your videos very useful my investment journey thanks.

@NS-bc3wv 5 месяцев назад

Second part interview after your retirement ( fire journey) very very useful for me thank you great interview

@kamalakannan.1971 3 месяца назад

Brother, appreciate your great initiative educating common man on wealth creation and management. வாழ்க வலிமையுடன்!

@BG_23281 5 месяцев назад

நன்றி , 🙏 மிகவும் தேவை இப்போது

@rameshuthirapathy 5 месяцев назад

Thanks Vijay! Simple and clear explanation!

@mgvinod2k 5 месяцев назад

Your videos are very helpful and good .pls continue to post such .

@devsanjay7063 5 месяцев назад

Super sir congratulations 🎉🎉🎉👍for investment insights hardwork

@prasanthv2102 5 месяцев назад

Super Sir, stock fundamentals EPS, PE, PB ratio, ROE, ROC pathi oru stock ah example ah vachi explain pannunga ellarukum useful ah irukkum. Neenga simple ah ellarukum puriera Mari explain pannurenga. Keep up the good work.

@shanthir7741 5 месяцев назад

Namaskaram. Congratulations Sir. God bless you all. Good luck.

@iamkgraman 5 месяцев назад

Congratulations sir 👏👏👏 I Wish you get more subscribers soon.. Thanks❤❤❤

@vivekchedambaram1285 5 месяцев назад

Well done sir. Your channel is precious. Congratulations for the feat. Way to go. Cheers

@chandraprakashmc7741 5 месяцев назад

Sir great work and effort. Thank you for the insights 👍

@SubramanianKrishnakumar 4 месяца назад

Thank you Sir. I was waiting for a video like this to justify myself if rental home investment is worthy as it sounds. I hear lot of ppl around me buying homes & renting..

@MrKumecepent 5 месяцев назад

Thanks Vijay.... need a super like icon for this.

@cybrainx72 5 месяцев назад

Great worksheets. One thing that is missing is that tax needs to applied to income which will be at the marginal income tax rate.

@ArunGanapathy 5 месяцев назад

நீங்கள் சீக்கிரம் 1M subscribers வருவதற்கு என்னுடைய வாழ்த்துக்கள் sir 🎉🎉🎉🎉

@just_uriht 5 месяцев назад

Congratulations on 200K and more! Love from Chennai ❤

@gvrayden 5 месяцев назад

Great video. Few things missed, tax pros/cons of rentals, vacancy rate usually 10%.

@karthikeyan878 5 месяцев назад

Another informative video as usual ❤

@anandan_COVAI 5 месяцев назад

வாழ்த்துக்கள் சார்💐💐💐(2lakhs followers)

@ArunGanapathy 5 месяцев назад

Cheer up sir. Keep on educating us💯🔥👍

@NS-bc3wv 5 месяцев назад

Watched your interview in finance boosan chennal,,, very useful information about you sir ,,, nice interview 🎉🎉🎉

@uchun 5 месяцев назад

Thanks for sharing with actual numbers. In going to show this to my father 😅

@ArunGanapathy 5 месяцев назад

Congratulations for 200K subscribers🎉🎉

@BHARGAVI24JUL 5 месяцев назад

Wonderful video Vijay ! It has to be noted that while you can buy 2nd or 3 rd homes and build a portfolio of home through leverage ,this is not possible in the stock market scenario /investing in a REIT or Index. While margin can be utlized , margin. calls is a huge risk vs hard assets in the housing market. (Housing melt downs are rarer than stock market meltdowns)

@lakshmanans1681 5 месяцев назад

Congratulations Sir for reaching 200k subscribers.

@laxmanan.r3153 5 месяцев назад

அருமை 💐💐

@krishnakumarchinnusamy 5 месяцев назад

Good information vijay!🎉

@janavarthanamuthukonda387 5 месяцев назад

Vazthukal Vijay

@gopinathrajenthran5265 5 месяцев назад

Most underrated Finance channel!!

@SureshGururajan 5 месяцев назад

Thank you so much for all the knowledge you imparted to us! I've been watching all of your videos (some repeatedly) to train myself on proper financial planning. Wish we learned these concepts at an early age, or in school. Funny how we grow studying specialization topics early in life and close to zero financial knowledge (atleast myself). This channel fills the gap profoundly and we're grateful to you!

@InvestmentInsightsTamil 5 месяцев назад

You are so welcome!

@seetharamanpalanichamy8545 5 месяцев назад

Thanks Vijay! Prior to start watching your videos purchased rental property in NC around mid 2022. Its break even for now using your calculator but started my investment index funds last 2 months! Thanks for all your wealth of financial wisdom from your experience!!

@InvestmentInsightsTamil 5 месяцев назад

Thanks for sharing your experience.

@IdealInvestIN 5 месяцев назад

சூப்பர் சார். ஒரு சில மாதங்களுக்கு முன் வரை எனக்கு குழப்பம் இருந்தது. தெளிந்தேன் நன்றி. நீங்க சில வீடியோக்கள்ள சொன்ன மாதிரி இங்க எமோஷன்ஸ் தான் அதிகம் ப்ளே ஆகும். சாதி மதம் பார்த்து நம்மள யாரும் வெளியேற்ற முடியாது. கொரானா காலத்துல வீடு கிடைக்காம அலைஞ்ச பல பேர் இருக்காங்க. இருந்தாலும் அந்த எமோஷன்ஸ் பொருளாதார ரீதியில் வர்த்தா அப்படீன்னு நம்ம இந்த கால்குலேட்டர் வச்சு தெரிஞ்சுக்களாம்

@informationiswealth9871 5 месяцев назад

Hi Sir, I am kiruba. One personal request. could you create a video on comparing salary ranges in USA VS India. why people moving to USA rather staying in India ? what are the benefits we get for us and for our kids financially ...

@gks9903 4 месяца назад

Nice video. Few points to add, One can deduct home depreciation, maintenance expense and mortgage interest from taxable income in the US. This will bring adjusted gross income which may help bring other credits such as child tax credit.

@Arunkumar-li5qh 5 месяцев назад

Good explanation. but if we invest in index funds we can enjoy return in future, but we have to pay our monthly rent till we enjoy that return on that end of 15th year.. we have to consider that point as well, Vijay

@samyeefarooqighulamdastagi5927 5 месяцев назад

Nice video. One thing missing in this. We can reinvest the rent into equity similar to how one would reinvest dividend income . If we are talking about long term investment return, we should factor investment opportunity using liquid cash(rent).

@InvestmentInsightsTamil 5 месяцев назад

Good point.

@srenathr2521 5 месяцев назад

No but most people buy homes on loan, so they would only be able to repay the loans

@signalssp 5 месяцев назад

அதுக்கு பருத்தி மூட்டை குடோன்லயே இருக்கலாமே.. You can invest the capital in equity market.. Risk is everywhere.. Depends your age... In building rental also its depends on various factors like tenant, Building is also a bell curve.. It also losses its value in lon....g term.

@prasannakumar-qm8ve 2 месяца назад

Very well explained Sir !

@easwaramoorthychokkalingam6278 5 месяцев назад

Thank you VijayMohan 👍🏻👏🏻

@Notexactly469 5 месяцев назад

Congratulations sir for 200k subscribers

@darshanbalaguru8414 5 месяцев назад

Good day, Sir, Darshan here. I cant think anything, It's like more of a coincidence. I was planning to buy a home and you uploaded a video. Thank you, Sir, for sharing your thoughts on this.❤ P.S. Congratulations on reaching 2Lakh subscribers, Sir. Wish you still reach even more. 🎉

@SURAASATHISH 5 месяцев назад

Sir I m waiting for this video and this topic without watching

@MS-jz6rj 5 месяцев назад

Congratulations sir🎉

@Bommathalayan 5 месяцев назад

Congratulations 🎉🎉🎉

@jafferaliumar 5 месяцев назад

Congratulations 🎊 👏

@nijithebuji 5 месяцев назад

Good video. One thing you need to cover also is the tax difference. Post tax income is important since rental incomes are in the highest tax bracket.

@InvestmentInsightsTamil 5 месяцев назад

Good point!

@balajip8110 5 месяцев назад

Congratulations sir 🎉

@karthiksivakumar660 5 месяцев назад

Nice video!!!

@duraipandi264 5 месяцев назад

thank you vijay mohan sir

@prabagaran.s1285 5 месяцев назад

Good one 😊

@perumalannadurai277 5 месяцев назад

Congratulations 🎉

@karthikeyanu6270 5 месяцев назад

வாழ்த்துக்கள் விஜய்மோகன் சார்🎉

@divaharmani6184 5 месяцев назад

Thanks sir.. it’s really helpful and informative… I have a request: could you please make a video on Recurring deposit and சீட்டு பணம்… ? Thanks in advance

@Shinebrightlikestar 5 месяцев назад

Very informative Sir. Can you pls share info about how to invest in index fund for a beginner who don’t know anything about stock market and provide your suggestion on where to invest in the current market or to wait.

@arundeepaksampathkumar7395 5 месяцев назад

You forgot to consider multiple things in the video. for rental houses -Tax benefits, house deprecation & vacancy rates. And for Index funds - Taxes & dividends

@GetYourselfALife 5 месяцев назад

If they were already staying on rent, then the rent may disappear as soon as they buy the new house. So, the rent that's cut off & and the money you save on tax should also be taken into account. If added, the cashflow will improve and result in a higher IRR.

@karthikeyan-bd2tk 5 месяцев назад

Guys sir given interview to finance boosan ... happy to see sir with boosan...

@zainulabid6131 5 месяцев назад

First of all good Information thank you sir❤ please share the idea of loan against empty plot to construction of rental house without downpayment

@hariharasankar4706 5 месяцев назад

HI Vijay. Thanks from UK. Useful video. I believe the mortgage options considers repayment option. Can we have tab with interest only mortgage? Not sure if it will make a difference.

@kittycat7-c 5 месяцев назад

For Indian brothers I advise renting is better than buying. If you bought before 2010 you are good. There is no real estate appreciation in India after 2010. I have flat in India which is renting for 20000 but the call of the asset is 2 crores in t nagar

@socratesv8404 5 месяцев назад

Thank you Sir.

@Kosaksi12 5 месяцев назад

Sir pls post at least two video every month.

@mikek7315 5 месяцев назад

Any property you invest always has to be in right location and price point you purchased it , interest rates also adds in . You gain from investment property via equity build up and not getting passive income from day 1. I purchased an investment property and have gained 10% within first 3 months . Your tenant is building wealth for you no wonder it has its own pitfalls via maintenance and good tenants but still worth it .

@chandrasekarappsdba 5 месяцев назад

First view and comments for gurunathar

@DevaRaj-iw9wx 5 месяцев назад

Congratulations sir u reached quickly 1 million 🎉🎉

@InvestmentInsightsTamil 5 месяцев назад

Muthala 300K ku povom. 🤣

@sainikpraveen5293 5 месяцев назад

Sir. Pothuva ippudi comments poda Matan. I would say. 1Mn deserve ur Channel 😅

@priyamohan9522 5 месяцев назад

Congratulations on reaching 2L subscribers. Thank You Vijay Sir. Excellent explanation. But to keep it very simple even bank FD rate of 7.2% interest per annum would give an interest of 32400 per month even after subtracting 10% tds. By rule of 72 60L will become 1.2C in 10 years. So rental income can't even beat bank FD rates. Correct me if I'm wring. Definitely lower than Equity. Another factor is if the individual takes bank loan to purchase this then needlessly to say the return will be very very low. Yes all other challenges neatly explained by you Sir.

@InvestmentInsightsTamil 5 месяцев назад

Nothing is wrong with your take. It is called personal finance for a reason. I am like you. I would prefer equity growth over real estate and I am OK with the volatility it comes with it. But I cannot expect that from everyone. There are many who would trade the equity volatility for RE stability. There is nothing wrong with that as well.

@perumalnithya7378 5 месяцев назад

Thanks sir ❤❤❤❤

@mrhaiprakash 5 месяцев назад

Salute!

@Vinsecode 4 месяца назад

Hi sir, all your videos are very informative and useful. I have a doubt in your house rental calculation on mortgage. In india house loan interest can be shown in Tax old regime. for an amount of upto 2 lakhs. I believe even that should be considered as we are saving on the interest paid. If I am wrong, kindly clarify it.

@naveennanban 5 месяцев назад

Super

@mohanms3768 5 месяцев назад

Sir please put regular videos😍❤

@thatsoneminuteCUT 5 месяцев назад

Thanks

@selvabagyamn6512 5 месяцев назад

நாம்வாங்கும்வீட்டின் வாடகைதவிர அந்த இடத்தின்விலைஉயரதேசார்.

@suruthigopinath9184 5 месяцев назад

Useful information 😊,.. I’m not working but I need monthly passive income so which is best Fixed deposit or rental income ? Pls share ur knowledge abt this topic na,..

@dhilipkumar7009 5 месяцев назад

Buy house with corpus , looks decent investment. But equation drastically changes with home loan which people fall into trap

@anandhakumar8167 5 месяцев назад

Congratulations 🎉🎉🎉 For 200k 🎉🎉 Very useful information video.. Sir Home Loan options missing in calculator

@InvestmentInsightsTamil 5 месяцев назад

It is in separate tab.

@venkateshlr7756 5 месяцев назад

Please give idea on Buying land as Investment. Does it more worth compared to rental income ?

@kumarsCorner. 5 месяцев назад

Good one .. but if we keep as land investment it’s a loss ?

@abinandan5485 5 месяцев назад

Congratulations Vijay on 200k 🎉🎉🎉, I have a doubt, when covid hits the market, everyone will be thinking like life is going to be not sure let us sell all our equities, saving and prepare for the covid right? did you also got the same feel or how did you stay invested even at covid time. If you can share your investment psychology, you managed at crisis time that will be very much helpful for others like me, Thanks 👍

@InvestmentInsightsTamil 5 месяцев назад

If it is the end of the world what good is the money going to do for me? So that was not a reason to sell for me. But flip the premise. What if it is not the end of the world as everyone fears? I will be positioned to gain. That was my rationale for staying invested during COVID.

@RanjithKumar-vb1fu 5 месяцев назад

Sir, can you please a video on Stock Options ie receiving company stock as pay and how it is taxed. Pros and cons. Thanks you!

@selvamuthu9965 5 месяцев назад

Tenure of investment is infinite, non TDS benefit, Rental income is linked with Real Time Market inflation

@gok541 5 месяцев назад

There are major differences in rental between India and USA. Also depends on whether you are paying down cash or loan. with current interest rates at 8% we might end up doing some cash from hand every month. But yes, appreciation will be there

@bharathkrishnan1917 5 месяцев назад

Thank you sir. Can you do a video about value trap. Companies like Alibaba and PayPal have good fundamentals but not performing. Can you give some methods to find and avoid such companies. Thank you.

@madhan1237 5 месяцев назад

Sir, if we would have invested the rental income either in Mutual fund or Stocks. Then it would give better results. Please share your thoughts

@mohamednasar101 5 месяцев назад

Once more fact concern also to be noted,after 15 or 20 years of time,building value start decreasing…at final, you possibly earned the constructed coat only from rental

@deeptikala4351 5 месяцев назад

Sir your thought on AMD company shares is it worth to hold for longer period. Please do reply.

@rarun0080 5 месяцев назад

Thank you Vijay. All your videos are very useful. Can you post some content about Wash sale? and how to better manage it.

@InvestmentInsightsTamil 5 месяцев назад

Watch the Tax loss harvesting episode. Some of it is already there: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-5l8Sm8rLW44.html

@rarun0080 5 месяцев назад

Thank you so much Vijay! I have listened to most of your videos. As a matter of suprise we both were traveling parallely in career life. Infact was in Chicago area around 2011 to 2015 wish I was in your network during that time to rejoice my FIRE now. 🙂@@InvestmentInsightsTamil

@kesavanraman 5 месяцев назад

Thank you for this video. If possible, please post a video on housing market forecast. Is it okay to buy own house in this high housing price and interest rate market?

@InvestmentInsightsTamil 5 месяцев назад

Follow Paarthathum Padithathum series for that. I do update housing market every now and then.

@selvabagyamn6512 5 месяцев назад

இன்டக்ஸ் ஃபன்டுல இன்வஸ்ட்பன்னி மொத்தபனத்தையும்இழந்துதெருவில்நகற்பதைவிட நமக்குனுஒருவீடு இருந்தால்தைரியமாக இருக்கலாம்.அதிகவட்டிக்குஆசைப்பட்டு நடுத்தெருவுக்குவந்தவர்களைப்பற்றி நிறைய வீடியோபோடுங்கள்.பார்ப்பவர்கள்எதைதேர்ந்து எடுக்கிறார்களோஅதில்முதலீடுசெய்யட்டும் .நன்றி வணக்கம்

@sanjr4887 4 месяца назад

Sir to your point @9:43 to just invest in index fund as opposed to a rental investment. How and when (i.e such that the investment does not loose its principal value) can we create an income from an index fund investment ? i.e How long should we wait till we can start withdrawing cash from the investment such that we do not loose the original principal value ? e.g i wish to receive 2000$ monthly income so then how much money should have been invested in index fund so i can begin this systematic withdrawl plan ?