Yayati, Mumbai: I have been investing in Mutual Funds since 2017. Due to the recent pandemic, my returns have dropped. My father, who is against the idea of sticking to monthly SIPs, has suggested me to buy a house and divert the monthly SIP amount of Rs 19,000 into paying EMIs, as interest rates on home loans are all-time low. It would be great if you can suggest the best way forward.