FINVESTMENTS

  Why Gold & Silver Rose Sharply in the Past Year The past year witnessed an exceptional rally in precious metals, with gold and silver emerging as top-performing asset classes globally . This move was not speculative in nature but driven by multiple structural and macroeconomic factors. Below is a point-wise breakdown of what caused this sharp rise: 1️⃣ Weakening of the US Dollar (DXY Decline) The US Dollar Index (DXY) , which measures the strength of the US Dollar against a basket of major global currencies, witnessed a steady decline during the year. Falling DXY indicates weakening confidence in the US Dollar Gold and silver are priced globally in USD When USD weakens, precious metals become cheaper for non-US buyers, increasing demand Historically, gold and DXY share a strong inverse relationship . 2️⃣ INR Depreciation Despite Global Dollar Weakness While the US Dollar weakened globally, the Indian Rupee depreciated against the USD . This apparent contr...

Gold & Silver Investing: A 20-Year Story of Cycles, Returns, and Reasons (India) Gold and silver have always been more than just commodities — they are portfolio stabilisers, inflation hedges, and crisis assets . But their returns are not linear . They move in cycles, driven by macroeconomic forces. Let’s break down the last 20 years (2005–2025) into 5-year phases , backed by credible Indian price data , and understand why returns looked the way they did. 📊 Gold & Silver Price Data (India) Sources: BankBazaar (historical annual averages), Moneycontrol (2025 live prices) Year Gold (₹ / 10g) Silver (₹ / kg) 2005 7,000 10,675 2010 18,500 27,255 2015 26,343 37,825 2020 48,651 63,435 2025* 1,35,290 2,54,000 *2025 prices are late-December live market levels. 📈 5-Year Return & CAGR Breakdown Period Gold Return Gold CAGR Silver Return Silver CAGR 2005–2010 +164% ~21% +155% ~20% 2010–2015 +42% ~7% +39% ~6.7% 2015–2020 +85% ~13% +68% ~11% 2020–2025 +178% ~19% +300% ~28% 🧠 Why Re...

 

 The latest numbers reflect a resilient and accelerating domestic economy. Here’s a quick breakdown of what’s powering India forward👇 💰 GST Collection From ₹1.82 lakh cr in Nov’24 to ₹1.96 lakh cr in Oct’25 , GST collections remain consistently strong — a clear signal of healthy business activity and robust tax compliance. ⚡ Power Consumption Despite seasonal dips, consumption remains elevated around 4,800–5,000 MU through the year — showing steady industrial + household demand. 🚗 Passenger Vehicle Sales A strong festive-season boost! Sales jumped to 460,000 units in Oct’25 , the highest in the past 12 months — reflecting rising consumer confidence. 🏍️ 2-Wheeler Sales From 11 lakh units in Dec’24 to 22.1 lakh units in Oct’25 , the segment shows a consistent upward trend — a sign of rural and semi-urban revival. 📈 SIP Contribution Mutual Fund SIPs continue to hit new highs 💙 Oct’25 collection: ₹29,529 cr , up strongly from ₹25,320 cr in Nov’24 — indicating in...

 Retirement planning isn’t just about earning more or choosing the right investments — it’s also about avoiding the silent financial leaks that quietly drain your long-term wealth. These leaks hide inside daily habits, emotional decisions, lifestyle upgrades, and incomplete planning. Over the years, they can eat away lakhs of rupees that could have compounded into a comfortable, secure retirement. Let’s explore the 5 biggest money leaks — and how you can plug them today. 🔧✨ 1️⃣ Lifestyle Creep: The Silent Drainer 🛍️ As income rises, lifestyle naturally rises too — better car, nicer restaurants, new gadgets. Individually harmless… collectively harmful. 💥 How It Hurts Your Retirement 📉 Reduces monthly investible surplus 💸 Creates lifestyle expectations that are hard to maintain later 🔄 Widens the gap between income and savings over time 🛠️ How to Fix It 👉 Make a rule: Increase investments whenever your income increases. Even a 10–15% annual SIP increas...

  🏦 RBI Policy Outlook: Rate Cut to 5.25% — What It Means for Investors The Reserve Bank of India (RBI) has delivered a growth-supportive surprise in its final monetary policy review of 2025 — cutting the repo rate by 25 bps from 5.5% to 5.25% . The move comes amid record-low inflation and a weaker rupee , with the Monetary Policy Committee showing unanimous confidence in India’s stability . Let’s break down what changed , why it matters , and how investors can act . 🔍 Policy Highlights — The Key Updates 📉 Rates & Liquidity Repo rate: 5.25% SDF at 5.00% , MSF at 5.50% RBI to execute ₹1 lakh crore worth of OMO bond purchases + forex swaps to keep liquidity smooth 🛒 Inflation Outlook Retail inflation for FY25-26 projected at just 2% — lower than earlier estimates Q1 FY26-27 inflation seen at 3.9% (down from 4.5%) even with high precious metal prices Inflation risks now “ evenly balanced ” 📈 Growth Outlook GDP projection raised to 7.3% for...