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| Scheme Name | 1-Year Return | Invest Now | Fund Category | Expense Ratio |
|---|---|---|---|---|
| Axis Nifty 50 Index Fund | +32.80% | Invest Now | Equity: Large Cap | 0.12% |
| Axis Nifty 100 Index Fund | +38.59% | Invest Now | Equity: Large Cap | 0.21% |
| Axis Nifty Next 50 Index Fund | +71.83% | Invest Now | Equity: Large Cap | 0.25% |
| Axis Nifty 500 Index Fund | — | Invest Now | Equity: Flexi Cap | 0.10% |
| Axis Nifty Midcap 50 Index Fund | +46.03% | Invest Now | Equity: Mid Cap | 0.28% |
“In an increasingly complex Indian legal landscape, estate planning has transformed into a nuanced strategy that goes beyond mere asset collection and distribution among immediate family members. Individuals are now placing a strong emphasis on foresight and awareness, recognising the critical importance of effectively managing their business and financial assets and family wealth,” says Shabnam Shaikh, Partner at Khaitan & Co.
The role of real estate in long-term financial planning
The key to integrating real estate into your financial plan is to see it as a tool for diversification and improving the overall composition of your portfolio. It’s important to approach this process with an open and objective mindset.
For long-term investment, first, investors should first understand the purpose of their real estate holdings. Is the property intended for personal use, such as a home or vacation spot, or is it an investment for generating rental income or capital growth? Recognising the specific goal behind each property is crucial.
The next step is to seek advice from a financial advisor who can offer an unbiased opinion, helping you assess the investment and tax implications of both current holdings and potential future purchases.
The role of REITs for real estate planning
According to Khaitan & Co’s Shabnam Shaikh, one of the most significant shifts in how investors approach real estate today is the growing popularity of Real Estate Investment Trusts (REITs). These investment vehicles allow individuals to diversify their real estate exposure without the complexities of owning physical properties.
“REITs also provide diversification within the real estate sector itself. For instance, investors can hold units in a REIT, whose portfolio includes office, retail, and industrial properties, reducing the risk that comes with investing in a single property,” Shaikh says.
Unlike traditional real estate investments, REITs are also traded on stock exchanges, offering liquidity and easier entry and exit points for investors. This is a stark contrast to the illiquid nature of owning physical properties, which can become difficult to transfer or sell quickly in times of economic uncertainty.
As India’s economy evolves and more individuals seek diversified investment strategies, real estate will continue to play a vital role in financial planning. From traditional assets like homes to modern instruments like REITs, real estate offers multiple avenues for growth and income generation. However, as with any investment, careful consideration of risks, diversification, and long-term objectives is crucial.
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