Personal Finance

Gold, silver, stocks or cash? Why a multi-asset strategy is the smartest move right now

With gold, silver and equities all rallying sharply, investors are scrambling to decide where to park their money. But experts warn that picking a single “winner” is a trap — and the real edge lies in multi-asset diversification. Market experts are unanimous: diversification — not concentration — is the key to navigating this turbulence.

A structured, uncomplicated, multi-asset plan not only delivers higher long-term returns but dramatically lowers anxiety, volatility and emotional decision-making.

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Investment

Gold, silver, stocks or cash? Why a multi-asset strategy is the smartest move right now

Introduced in 2015, the Sovereign Gold Bond Scheme offers a digital, government-backed alternative to holding physical gold.

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Historical charts show three major gold bull cycles: the 1970s (end of gold standard), early 2000s (central bank sales), and post-2008 crisis.

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Inheritance gets complex when assets or heirs are abroad; though it remains tax-free, FEMA exchange-control rules are key.

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“Gold ETFs remain one of the safest and easiest ways to get exposure,” he said.

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Receiving inherited gold isn’t taxable. While the transfer itself is exempted, capital gains tax arises only when you sell it.

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Financial planners recommend allocating 10–15% of portfolios to gold through ETFs, sovereign gold bonds (SGBs), or physical bullion.

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The mutual fund industry recorded a strong October, with total AUM rising 5.63% month-on-month to Rs 79.87 lakh crore. T

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Digital gold’s biggest risk is that it’s unregulated — without SEBI oversight, investors have no guaranteed safety, insurance, or independent verification of the gold claimed to be held for them.

Sebi warning: Why investing in digital gold is risky? Should you hold or exit digital gold investments?

Beyond growth and protection, ULIPs also offer liquidity after five years, tax advantages, and goal-based investing flexibility.

As a mid-career investor, is a ULIP the right tool to balance long-term growth and financial safety?

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Insurance

As per the report, corporate employees are performing below national averages on physical wellness indicators, with steep drops in sleep quality.

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Tax

Indians bought over Rs 9,000 crore of digital gold in nine months, with monthly purchases rising from Rs 762 crore in January to Rs 1,410 crore in September 2025.

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This stark imbalance, she says, is “the invisible trap of being salaried in India.”

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Gross personal income tax rose marginally from Rs 8.03 lakh crore to Rs 8.08 lakh crore.

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Experts say claiming a deceased person’s financial assets can take anywhere from two weeks to six months, depending on documentation.

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Common mismatches can now be addressed without lengthy correspondence or manual follow-ups.

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Exporters stand to benefit from the faster refund processing system that has been integrated into the GST Network (GSTN).

New GST rules from Nov 2025: 3-day registration, 3-year filing limit, faster refunds

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Personal Finance

Investment

Gold, silver, stocks or cash? Why a multi-asset strategy is the smartest move right now

Sovereign Gold Bond 2017–18 Series-VII matures with 321% return; can you still buy these govt gold bonds?

Is gold heading for $5,000 in early 2026? Rising prices spark talk of a massive bull run ahead

Is gold inheritance tax free in India? How FEMA rules shape cross-border inheritance, transfers

'A subpar way to get exposure to gold': Nithin Kamath warns digital buyers face 6% loss, no safety

How to legally claim, transport, and sell inherited gold bars from a parent’s bank locker

Gold prices hold firm above $4,100 as dollar weakens, safe-haven demand stays strong; what lies ahead

MF Industry AUM nears Rs 80 lk cr in Oct; Passive & Flexi-Cap funds continue to attract

Sebi warning: Why investing in digital gold is risky? Should you hold or exit digital gold investments?

As a mid-career investor, is a ULIP the right tool to balance long-term growth and financial safety?

Retirement Planning

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