Same Investment, Vastly Different Outcomes: Home Loan vs. SIP vs. RD Revealed!

• Financial expert Amit Ahlawat compares three paths for Rs. 17,356 monthly over 20 years: Home Loan EMI, Mutual Fund SIP, and Bank RD.
• Home Loan EMI (Rs. 20 lakh loan at 8.5%) results in Rs. 41.65 lakh paid, with Rs. 21.65 lakh as interest, acquiring a house whose value depends on market trends.
• Mutual Fund SIP with 8.5% annual return grows Rs. 17,356 monthly to Rs. 1.09 crore in 20 years, yielding Rs. 67.16 lakh in returns due to compounding.
• Bank RD for the same amount yields Rs. 1.01 crore in 20 years, offering security and definite returns, though Rs. 8 lakh less than SIP.
• Wealth creation depends on investment choice; SIP offers growth with volatility, RD offers security, and EMI provides an asset with market risks and maintenance.

Why It Matters: Strategic investment choices, early saving, and discipline are key to achieving financial goals.