Indians have a deep emonal attachment to real estate — but smart investing demands clarity. A primary residence is a consumption asset, not an investment. Buy it only if it aligns with your lifestyle and allows you to continue meeting your long-term savings goals. Expecting double-digit returns from your first home is unrealistic. A second property, however, must be evaluated purely as an investment. That means calculating net rental yield after taxes, EMIs, repairs, and maintenance, benchmarking it against debt funds or bond yields, and factoring in illiquidity and concentration risk. Treat homes differently — and your finances will thank you. #trending #LIC(Life Insurance Corporation) #financialliteracy #venuumarani #finance