FINVESTMENTS

📈 Gold & Silver Price Trends (2005–2025) 🟡 Gold Price (per 10 grams) 2005 : ₹6,180 2011 : ₹20,775 2015 : ₹26,245 2020 : ₹48,651 2025 (as of September 26) : ₹1,12,600 ⚪ Silver Price (per kilogram) 2005 : ₹10,675 2011 : ₹56,900 2015 : ₹37,825 2020 : ₹63,435 2025 (as of September 26) : ₹1,40,000  📊 Percentage Changes Over 20 Years 🟡 Gold 2005 to 2011 : ₹6,180 → ₹20,775 Percentage Increase : +236% 2011 to 2015 : ₹20,775 → ₹26,245 Percentage Increase : +26% 2015 to 2020 : ₹26,245 → ₹48,651 Percentage Increase : +85% 2020 to 2025 : ₹48,651 → ₹1,12,600 Percentage Increase : +131% ⚪ Silver 2005 to 2011 : ₹10,675 → ₹56,900 Percentage Increase : +433% 2011 to 2015 : ₹56,900 → ₹37,825 Percentage Decrease : -34% 2015 to 2020 : ₹37,825 → ₹63,435 Percentage Increase : +68% 2020 to 2025 : ₹63,435 → ₹1,40,000 Percentage Increase : +120% 🔍 Key Observations Gold has shown a cons...

🌐 Hybrid Funds: The Best of Both Worlds Investing often feels like a choice— go all-in on equities for high returns (and high risk) or stick with debt for stability (and lower returns). But what if you didn’t have to choose? Hybrid mutual funds combine both asset classes, offering a balance between growth and protection. Especially in volatile markets, they can be a smart choice for investors seeking steady, long-term wealth creation. 🔎 What Are Hybrid Mutual Funds? Hybrid funds allocate money into: Equities (stocks): For growth and capital appreciation Debt (bonds): For stability and regular income These funds are managed by professionals who rebalance portfolios to maintain the right mix of risk and return. 👉 Example: If equities rise sharply and exceed their target allocation, the fund manager may shift some assets into debt to keep the risk profile stable. 🗂️ Types of Hybrid Mutual Funds 1. Conservative Hybrid Funds 75–90% in debt , rest in equity ...

Finvestments Newsletter – September 2025 Month Ending – August 2025 GST Overhaul: Cheaper Essentials, Costlier Luxuries India’s GST Council is set for its boldest reform since 2017. The plan is to simplify tax slabs, reduce compliance, and fuel consumption—a move that could directly impact households, businesses, and investors. - Essentials like food, cement, insurance, and small cars may soon attract lower GST. - This will ease everyday expenses while boosting housing, automobile, and insurance demand. - Markets may respond positively, benefitting FMCG, auto, housing, and insurance sectors. - Debt investors may gain from greater fiscal clarity and stability. If executed well, this overhaul could be the second big GST milestone, boosting growth and investor confidence alike. Investment Gyan – Why Your First 3 Years Matter Most The first three years of investing decide how successful your next ten years will be—and it has very little to do with returns. In April 2025, SIP i...

1. Market Returns Show Near-Term Weakness – A Good Entry Opportunity Over the last 1 year , major indices have corrected: Nifty 50: –1.56% Nifty Next 50: –10.21% Nifty 500: –3.40% Midcap 100: –5.13% Smallcap 100: –7.94% Historically, such phases of broad-based corrections have offered attractive entry points, as India’s growth story remains intact while valuations cool off. 2. Indian Economy is Expanding Strongly GDP Growth: India grew 7.8% YoY in Q1 FY26 , one of the fastest among major economies . FY26 Outlook: GDP growth is projected at 6.5–6.7% YoY , comfortably above global averages. Rural recovery is visible, supporting consumption growth. Financial services and domestic sectors are driving momentum. 3. Structural Tailwinds Support Long-Term Markets Demographics: India has the world’s youngest workforce, supporting productivity and consumption. Reforms & Policy Push: Government focus on infrastructure, PLI schemes, d...