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#235 Is doing a daily SIP a good idea? | AskMoneyPurse
Original: #235 Daily sip చెయ్యడం మంచిదేనా? | askmoneypurse
Takeaway
Don't fall into the EMI trap in your 20s — build a ₹1-1.5cr financial asset base first, then a house, and your goals (kids' education, financial freedom) get funded automatically.
Summary
- Reviews Ishwar (35, ₹1.8L salary, ₹70k SIP, ₹33L MF + ₹50L cash + ₹5L stocks) considering a ₹1cr house with ₹85L loan, 20yr tenure, ~₹71k EMI at 8%
- Plan: ₹15L down, invest remaining ₹40L for 6 yrs then use SWP to cover EMI when kids' school costs rise — host says plan is solid if monthly expenses fit in remaining ~₹40k
- Projected corpus: ~₹3.64cr by age 45; ~₹10cr by 54 if income continues; ~₹12cr with just 5% annual SIP step-up
- Big learning: by NOT taking a home loan in his 20s, Ishwar built financial assets first — viewers should build ₹1-1.5cr corpus before EMI commitments
- Also discusses Time Technoplast (composite cylinders, drone tie-up) — fundamentally good, boring business with strong ROCE
financial planninghome loanSIP
Original description
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