Long-Term Wealth Creation: How Investors Should Think Beyond Market Noise

Shweta Rajani, Head of Mutual Funds at Anand Rathi Wealth, advised investors facing losses in gold/silver ETFs to hold amid current volatility but prioritize gold over silver long-term due to lower volatility and better hedging role. Treat gold as a debt substitute rather than equity alternative; stagger fresh buys via SIPs for 4-6 weeks. For long-term portfolios (5+ years, ₹1 lakh monthly), allocate 60-80% to equity, rest to debt/gold/commodities. Split debt portion equally between actual debt and gold. Equity: 55% large/flexi cap (e.g., Quant Large Cap, Nippon Large Cap, ICICI Pru Dividend Yield, HDFC Flexi Cap); 45% mid/small/multi cap (e.g., Kotak Mid Cap, HDFC/Invesco Small Cap, Kotak/Canara Robeco/Bandhan Multi Cap).Favor diversified, quality funds over past returns; consider US broad exposure (e.g., Motilal Oswal S&P 500 ETF) sparingly for dollar hedge.