Real Estate and Mutual Fund Investing Journey

Common Set Up

Starting age

Horizon (years)

Person A — Real Estate

Property price (₹)

Down payment (%)

Loan rate (% p.a.)

Loan tenure (years)

Property appreciation (% CAGR)

Starting rent yield (%)

Rent growth (% p.a.)

Maintenance (% value p.a.)

Property tax (% value p.a.)

Repair (% value/event)

Repair every (years)

Person B - Mutual Fund

Person B — Mutual Fund

Comparison

Equity CAGR (%)

Initial MF investment (₹)

SIP mode

Fixed SIP (₹/month)

Initial investment automatically matches Person A's down payment. Matched mode invests exactly what Person A pays after rent, maintenance, property tax and repairs.

Additional Parameters

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Rent vacancy (%)

Rent taxation (%)

Inflation (%)

Rent taxation affects the rent available to offset Person A's monthly outflow.

Person A — Final Portfolio Value

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Property value less outstanding loan

Total Amount Invested

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Total Capital Gain

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Real Estate

Person B — Final Portfolio Value

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Enable Person B to reveal

Amount Invested

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Total Capital Gain

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Mutual Fund

Value Increase Over Time

Person B's line remains hidden until the comparison is enabled.

Breakeven hidden

Person A — Annual Values

Person B — Annual Values

What-If Analysis

Property CAGR needed to match B

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Equity CAGR needed to match A

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