Tag Archives: Rohan Siroya

Real estate a safe investment choice

Posted on by Track2Realty

By: Rohan Siroya, Partner, Legend Siroya Realtors

Rohan Siroya, Partner, Legend Siroya, India real estate news, Indian realty news, Property new, Home, Policy Advocacy, Activism, Mall, Retail, Office space, SEZ, IT/ITeS, Residential, Commercial, Hospitality, Project, Location, Regulation, FDI, Taxation, Investment, Banking, Property Management, Ravi Sinha, Track2Media, Track2RealtyTrack2Realty Exclusive: When it comes to the esteemed idea of real estate, industry stalwarts can boast that in this country, real estate can match up to any investment. As an investor though, you would require a little more convincing. So what should you look at? The answer stems to a more personal equation between liquidity, appreciation, other income, and probable growth.

Firstly, India’s growth story is far from over. At least, not for the next decade. The reasoning is simple; we are a developing nation with abundance (as compared to population) of cheap resources that are waiting to be utilized in the globalization format. So GDP is not an issue here; not in the long term.

If as an investor your perception of making a good return is a quick buck, by all means look at other commodities besides real estate. For this option to be really fruitful, you must look at a long-term holding capacity.

That being said, in this highly competitive market, financial institutions have come up with some fascinating innovations for investments, such as the 20:80 scheme, where investors may lock in an investment by paying only 20%, and pay the rest on possession, without having to pay the interest and still enjoy the complete appreciation in property value.

Real estate, unlike gold and other commodities, can also provide alternate revenue streams; you can lease out your property and benefit from rental incomes. Metal commodities do give you an option to leverage against them at a lower collateral rate than real estate, although gold is seldom pledged for the long run.

So what’s to be made of this? The answer, like most things in life, lies in balance. Maintaining a realistic portfolio of investments, with a mix of more aggressive real estate options and safer commodity investments will see you smiling all the way to the bank.

A word of advice in this immediate context; the dollars incredible appreciation against the weakening rupee makes bullion trade a lot riskier than earlier. So for the time being be a bit more adventurous and invest in real estate. You’ll find it’s a safer investment than many other volatile options today.

Choosing the right investment option in today’s market

Posted on by Track2Realty

By: Rohan Siroya, Partner, Legend Siroya Realtors

Rohan Siroya, Partner, Legend Siroya, India real estate news, Indian realty news, Property new, Home, Policy Advocacy, Activism, Mall, Retail, Office space, SEZ, IT/ITeS, Residential, Commercial, Hospitality, Project, Location, Regulation, FDI, Taxation, Investment, Banking, Property Management, Ravi Sinha, Track2Media, Track2RealtyTrack2Realty Exclusive: For an amateur investor, the ambiguity that lies within today’s investment models can translate to a metaphorical migraine. Simply logging onto an investment portfolio website can present numerous investment options, some of which the masses aren’t even completely aware of.

In this case, we must first bifurcate and simplify our investment ideas; remove any complicated options such as derivatives and fixed deposits (if an investor is simply interested in banking returns to the tune of the 6-7% being advertised on billboards everywhere, this article was never meant for them).

The obvious conclusion will fall upon tangible investments, primarily commodities. Where silver is trading in its own unique way, gold and real estate have universally been more exciting options for investors. Now to begin the trade off between these two titans, we need to focus on our local markets.

Gold has a certain ‘vintage’ quality, that odd feeling of innately trusting into it as a form of investment. And why not? It is a tangible asset an investor can physically see, touch and feel. It has enjoyed an arduously built reputation over the years, even decades for that matter, as the ‘safest’ investment out there.

Now mind you, in business school (for the ones that were paying attention) one of the first thing we learnt was the Risk versus Returns model; the more you risk, the higher your expected returns shall be. So we are a safe investor now; what happens when this always appreciating investment goes in for a bit of a rollercoaster ride worldwide, and people begin to lose their long held out faith in it? Time to get a bit more adventurous?

Being a Mumbaikar, my assumptions are based on the unique market of Mumbai itself. Yet many principles hold true for the investor looking pan India. We are a seriously overpopulated country, with an enormous internal appetite for commodities.