Despite Gold ETFs having lower expense ratios, Gold Mutual Funds can be better due to no trading costs (brokerage, GST, STT, etc) applicable on buy and sell orders. For say a Rs. 1 lakh investment, mutual funds may yield slightly more after five years. Mutual funds are also easier for beginners, offering SIPs without needing a demat account. See the return comparison here.
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Read about post-quantum cryptography here.
The 25% shorting in SIFs means using up to 25% of the mutual fund’s money to bet on stocks falling. It is a trading concept called “short selling.” In India, SEBI allows SIFs to do this, helping them make money when prices drop and protect against market declines. Traditional funds cannot practice short selling.
The true definition of wealth is a “state of financial abundance” where our passive income surpasses the personal basic needs (month after months – consistently). This state is achieved by building a solid asset base and by leading a debt free life. Being wealthy signifies ultimate freedom of choice, security, and the capacity to live life on one’s own terms. Life of a wealthy person extends far beyond the sky-high salaries. Check this wealth score calculator
SIFs aren’t for average investors like normal school teachers (for example) or small business owners who find Rs. 10 lakh daunting or need quick access to funds. They’re also unsuitable for those uncomfortable with complex, risky strategies like derivatives, preferring simpler, safer options like Mutual Funds.
Yes, you can keep part of your emergency fund in Balanced Advantage Funds for better returns than banks, but maintain a buffer in liquid funds for instant access (if needed). It’s not risk-free, so plan for market dips and ensure quick liquidity. It is not as risky as pure equity funds. If you want even better safety, look for pure debt funds.
Choosing between gold and mutual funds depends on our investment goals and also on our risk appetite. Gold offers stability with ~10% long-term returns, while mutual funds, especially equity or hybrid, can yield 10-18% but carry higher risk, ideal for long-term wealth creation.
Building generational wealth involves consistently living below your means, delaying luxuries, and investing in appreciating assets like land, gold, or equities. Establish income-generating systems and prioritize long-term wealth preservation to create a lasting financial legacy.
Economic factors like money supply, inflation, interest rates, and trade deficits influence the Indian Rupee’s value by affecting its demand and supply. External factors, such as global USD demand and crude oil imports, further impact its strength. Check country wise currency list in Indian Rupees
Table of Contents Introduction 1. What Exactly Is a Bond? 2. Common Types of Bonds in India 3. How Bonds Actually Work 4. Prices and Yields Move Oppositely 5. Bonds and Their Ripple Effect on the Economy Conclusion Introduction You might think stocks rule the financial world. But you might be surprised to know that…
Table of Contents Introduction 1. Understanding the Current Setup 2. Pros of a Dividend-Heavy Approach 3. Let’s Compare The Classic 60/40 Mix 4. Role of Gold and Safe Havens 5. Long-Term Health Cover is an Essential Part of Retirement Planning Conclusion Introduction A reader recently shared his retirement setup with me. He’s 42, with 50…
Introduction I ordered from Swiggy the other day. It was just a simple meal, but the bill came to 550 rupees. Delivery fees, taxes, and all that added, building 550. Many of us do this without thinking twice, right? It’s convenient after a long day at work. In an environment where costs keep rising, these small expenses…
