The term investment refers to the
Return on Investment. The traditional investment options like Gold investment,
Fixed Deposit are replaced by Shares, Mutual Funds, and investments in Real
Estate Market.
|
Investment Options
|
Capital
|
Risk
|
ROI
|
|
Mutual Fund
|
Low
|
Moderate
|
Moderate
|
|
Shares
|
Low
|
High
|
High
|
|
Real Estate Investment
|
High
|
Low
|
High
|
|
Gold Investment
|
Moderate
|
Low
|
Low
|
|
Fixed Deposit
|
Moderate
|
Low
|
Moderate
|
Real Estate is a booming
investment option in India with returns of more than 15% pa. With Lowering
Interest rates on Home Loans, the high capital requirement is very efficiently
managed by various financial institutions. Rather just being a capital, it’s an
asset to own.
With the high cost values in the
Metros, people tend to move to Tier II & Satellite cities. Gurgaon,
Bangalore, Pune are desired locations. When we talk about Pune, what comes in
mind is Pleasant Climate, Good Education, MNCs, Manufacturing Giants and Numerous
Job opportunities. The city has lot to offer to migrants flowing in from
various parts of the Country. This makes the city an investor’s paradise.
As an investment, what all one
should look at –
Project/Price/Location
–
With Major Brands, come the Trust, Reliability & Transparency. Explore
the best options in an upcoming area promising an elegant lifestyle taking into
consideration, the Current Accessibility and Future Government plans for
Connectivity.
Place like
Gurgaon & Bangalore has witnessed tremendous growth because of their
Locations and so is Pune. The best offering of the IT city (Pune) is either in
the East or the Western SEZ (Hinjewadi). Let’s see the merits and demerits of
both East and West Pune with investment perspectives:-
|
Eastern Pune
|
Western SEZ
|
|
Kharadi &
Magarpatta
|
Hinjewadi (Rajiv
Gandhi Infotech Park)
|
|
Proximity to
Airport and Nagar Highway
|
Closely located to
Mumbai-Bangalore Highway
|
|
Hospitals and Malls
|
Upcoming Hospitals
and Malls
|
|
Traffic &
connectivity issue – One major Road
|
Five upcoming
Roadway plans to connect all phases of the IT park
|
|
Irregular
Electricity and water supplies
|
No issues of
electricity and water
|
|
Cost of Living is
High as the area is developed and ROI is relatively less
|
Cost of living is
Low as IT park is still to witness the major development and one can expect
higher ROIs
|
ROI(Return
On Investment) –
Look for the past 5 years trend. The IT sector for Pune is
still in a growing stage, and with lucrative government policies to attract
FDIs, the IT sector will see a change over in coming Years and so will the
development in the infrastructure for the city.
Returns can be
Long term (Appreciation of Asset), Short Term (Rental Value) with Add-ons of
Tax benefits.
Plan
Your Finances –
One should have an insight for his income-expenditure
statement. This helps to plan a systematic investment. Rental Value and Income Tax rebates are essential factors to be considered for Home Investments.
With RBI
reducing Home Loan interest rates, it’s a right time to go for a Home. By
cutting down the interest rates, the government is facilitating citizens to Own
a Home.
Considering the
foresaid facts, Pune is a viable investment option and Pune East and West both
stand out to offer some good ROIs and elegant Lifestyle.
