Is it worth to buy properties as investment ? apartment space in cities ? or buy land ? or buy commercial properties ?

1) Investment in house property ?
 I dont recommend investing in apartments space in cities or any other space which is equivalent to house property since this comes under strict governance as no government in the world will encourage for house property price to go sky high since this comes under basic necessity for people.

you may invest but the ROI will be not much than 7 / 8 % CAGR
so think about it ? are you looking for just 7 / 8 % from your investment on house property ?
since such ROI even bonds / FD's can also provide which is more secure than house property. 

2) Investment in land property ?
yes this is an good option but require a deep study about the piece of land which you would like to invest in,
like area nearby for development ? time horizon for development ?  how the development will help the land to flourish ?
most of the people gets trap by hearing rumors and blindly invest in land space which later makes them difficult to find buyers when there is delay or no development happening.


3) investment in commercial property ?
 this is the one of best which I think of when it comes to investment in properties , it also requires deep study which helps to get handsome ROI since commercial space when  someone buys they look for business opportunity linked with the property and if its very attractive location for the buyer they are ready to spend to buy such space.

4) investment in co-living space ?
this is also one of the best investment where you can make investment in house property and  convert them to make user friendly with all necessity facility and then rent the space.

    

How to be patience and keep on holding your investments when all over discussion are running down about slowdown / recession / downfall ?

Its human behavior to have fear/greed, question arises how to deal with such behavior ?

In human life-cycle each one of us goes through up's and down's  same goes the business cycle as well sometimes even for a short downfall the fear is made such that people stop believing themselves and act based on others talks since its so easy to influence when  it comes to money as everyone has created an emotional attachment to it.

To deal with such situation you don't need to be emotionally attached to money as this is the factor which causes fear of losing and then people start acting without even thinking clearly.

So during slowdown cycle review your investments in stock  whether how much financially the company or industry is affected if its just too much fear created for a short fall ( 10 to 15%) use this opportunity to add up more since its a good deal to grab a business with bargain  this helps to keep the margin of safety as well.

Generally when there is feeling of fear in stock market , I go down to my mutual funds investments add up some unit over it since I get a bargain price

two mutual fund which I have in my portfolio

L&T Emerging Business Fund  -  60 % of fund it covers small caps rest 40% mid caps
Franklin India Blue-chip Fund -  100% large caps


small caps and mid caps stock get heavily discounted when probability of fear is high among stock investors so I use this opportunity to add some unit whereas  companies in large caps are the one who knows how to deal with slowdown and revive themselves.

Slowdown in auto sector or its a business cycle ?

I agree with Mr Rajiv Bajaj here  CNBCTV18 -Rajiv Bajaj

Its not Slowdown  its a business cycle which also happens in cement / steel / sugar / infra sector.

I don't think government will create any new changes in adding additional taxes to make this cycle go into worst state but government should support to bring  further bracketing in GST  for automobile to determine whats luxury and whats necessity since the public transportation is not world class in every corner of country to consider all private automobiles  as flat luxury.

having further break-down into GST for automobiles will help both consumers as well as manufacturers.

Companies should stop crying and review their business model to deal with such cycle. 

View on current stock market uncertainty Aug 2019

Current market and situation in the country shows a sign where people  are afraid to  become optimistic.
As market is driven by the probability % of optimistic and pessimistic , we need to be cautious what we are buying today and at what price ? if you are buying any stock of a company bcoz its down 50 / 60% from its peak , you are bound to get punished by the sentiment of people since currently probability of pessimistic approach is very high among people linked to the market.

Its time to  look for quality companies which can still make profit in such a scenarios and buy with margin of safety principle.
One of the sector which I feel where we need to focus on selection are pharma companies since people are bound to buy medicines regardless what sentiments of investors are which in-turn make profit for this companies.

So question is which companies among pharma ? I never encourage people to through company name since this make a person handicap to take self decision on buying and selling.
you need to research this by yourself and find high quality management / profit driven / profit sharing among its shareholders / margin of safety to make handsome return.


  

View on Pharma sector are you aware ?

Pharma  drug makers companies are consolidated now due to USFDA strict rules and standard to be followed and strictly maintained, which is actually good for this industries.

I think this companies now has already understood consequences if rules/standard are not followed and put strict policy within organization to follow the same.

This is called transition phase, look after high quality pharma companies which can bear such transition phase without any external cost and hit the glory in upcoming dates. 

View on Tata group companies

Tata group companies are re-structuring itself and adapting with innovative strategy  to unlock its future growth momentum  - this is a positive sign where company not only bring positive results on paper as well as unlock shareholder value.

One of the current news where consumer segment of Tata chemicals are moved to Tata Global Beverages.

From my prospective this is just the beginning there are more innovative strategy will be applied in its all group and subsidiaries which had always struggled to bring positive results.

keep an eye on this group companies  to add in your portfolio with margin of safety.

building and growing asset ?

why  do we need asset ? cant just controlling incoming and outgoing money flow should be enough to have a sustainable life ?
well it depends on thinking how well you can manage the area of expertise.

if you are good enough to manage and control your incoming and outgoing money flow you can have a sustainable life for yourself as well as your family, this requires proper planning and execution as well as modifying your planning as required.


well their are less people who does this kind of planning, bcoz the environment set all  around us is to build asset in physical form like land / property / gold / cash etc.

Well the biggest and most valuable asset we all have is our brain and its infinity thinking capability.

have your really thought about it ? human brain is an asset ?

Brain thinking capability - when you grow and enhance this asset the rest of things are just outcome of it  health / wealth / prosperous life.

Other question arises asset are for our next generation so they can have a better life .
its important we teach our next generation how to stand and walk their dream  this should be enough for them to choice and live their life as per their requirement rather passing asset .
I believe to pass asset of knowledge not physical asset in any form.