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@lostdad I am quite worried about index investing with such examples coming out. Yes Bank was another index constituent that pretty much went belly up. I think this is why a good actively managed fund like PPFAS is necessary in the portfolio. I'm not saying active funds will never make a...

@frank123 Depends on the REIT. Some details here - https://economictimes.indiatimes.com/wealth/invest/investing-in-reits-how-to-invest-taxation-how-to-redeem/articleshow/93066768.cms

@fromgenesistorevelation I agree. I have no explicit intention to invest in REITs. OP asked me for the MF I use. I use this fund for the debt allocation of my portfolio.

@paul_1965 I invest in PPFAS Conservative Hybrid fund. Not a recommendation see if this suits your purpose before investing. https://amc.ppfas.com/ppchf/

@raf101 I don't directly invest in REIT, but via MFs. Capital Mind has a bunch of articles detailing how to analyse them. https://www.capitalmind.in/2022/05/best-reit-india/ https://www.capitalmind.in/2020/02/indian-investors-reit/

@slowbie Lot of assumptions here about returns and dividend yields. You may or may not end up with these returns. What you also need to consider is the possible tax benefits with a home loan and the tax outgo for REIT dividend income. If you are in the 30% slab then effective dividend is 4.2%...

@johnpereless Username doesn't check out. You're right. If your effective return on investment > loan interest rates, it's good to take a loan instead of paying cash up front. What most calculations miss out is the sequence of returns. They assume a constant 10% returns from index funds which...