WHY I CHOSE A FLAT AS AN INVESTMENT

Thirty years ago, my father, a bank officer, bought a flat in the second lane of Gopibagh. At that time, it was simply our family home. I was too young to think about it as an investment, but today I understand the importance of his decision.

My father is no longer with us, but I still live in that flat. I have four sisters and one brother. All six of us are educated, self-dependent and employed. We have built our own lives and careers through our own income.

For our family, however, my father's flat has provided one important benefit: a place to live without paying rent.

But when I look at it from the perspective of wealth creation, I see another side. Because all of us are self-dependent and have our own sources of income, the inherited flat does not provide us with a significant financial asset beyond the housing security it offers. We can live there without paying rent, but the property itself does not generate income for us.

This experience has influenced the way I think about investment.

I am also a banker, and over the years I have considered different ways of investing my savings. I cannot say that buying a flat is always the most profitable investment. There may be other opportunities that can generate higher returns. But I have not always found investment options that provide me with the same sense of safety, tangibility and long-term security that property does.

That is why I decided to buy another flat with my own income.
Unlike my father's apartment, I purchased this flat as an investment rather than simply as a family home. I rented it out so that it could generate a regular income while remaining an asset under my ownership.

For me, this creates two potential sources of return: rental income and capital appreciation. However, I know that rental income should not be considered pure profit. Maintenance, repairs, service charges, taxes, vacancy periods and financing costs can reduce the actual return.

Location is therefore very important. A property in an established area with good transport, markets, schools, hospitals and other facilities is more likely to maintain rental and resale demand.

My father's experience has taught me that a flat can provide security across generations. But my own experience has also taught me that an inherited home and an investment property do not necessarily serve the same financial purpose.

My father's flat gave his children a home without rent. My second flat gives me an opportunity to earn rental income and potentially build wealth.

I do not consider a flat a guaranteed high-profit investment. I see it as a tangible, long-term asset that can provide housing, income and potential capital appreciation.

For me, investment is not only about finding the highest possible return. It is also about finding a place where my savings can remain secure and useful for the future.
My father bought one flat for his family.
I bought another to build an asset of my own.