How to create assert from the money you have in bank account like 10 lac ? Please read description

I'm beginner in finance, I wanted to understand this debt, when the people like Robert says i dont pay taxes i use debt to create assert.
I have money such as 10 lac, i thought of taking loan as my salary is good, it can be a property loan which comes at 8-9% . and I have that 10 lac money, which i've intested in 12% club like Xtra. where i may get 10k intrest per month.
My Question is , will it be good go proceed ahead. ?
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Staff member
What Robert says sounds good in theory but may not be suitable for everyone. Before thinking of taking debt, you should know what your risk appetite is. I've seen a lot people are not comfortable with the mental burden of taking a loan and getting stuck in EMIs for the next 15-20 years.

In addition, there are lot of market risks while investing in Real Estate - Market Risk, Builder Risk, Govt Policy Risk, etc. I would suggest to go a little deeper, and study as much as you can before taking the final plunge