Asset class performances

 Above chart shows performance of different asset class from 1996 to 2025 till now.

Also last four line gives performance asset classes like PPF, FD, Gold, Silver and equity (sensex also nifty 500)

Where every year Rs 50000 invested in all asset classes given above.

Total invested value.                 Rs 15 lakh

Present value in each asset classes

Asset Class.                      P value.             CAGR

1.    PPF                         Rs     63.21 lakh.         8.2 %

2.    Fixed deposit        Rs.    54.5  lakh.         7.4 %

3.    Gold.                       Rs  135.7 lakhs         12.  %

4.    Silver.                     Rs.   93.2 lakhs         10.1 %

5.    Sensex ( Equity).  Rs. 191.2 lakhs.        13.7 %

6.    Nifty 500.               Rs. 233.2 lakhs.        14.7%

In direct equity we don't know stock selected by gives superior return or bad return.

So better to choose equity mutual funds to give superior returns. As fund manager experts in equity and  will handle our portfolio.

To start with equity, debt and gold mutual funds,  individually in equity select equity funds or combination with other asset classes select Hybrid funds.

To start with any mutual fund schemes sign up hear

https://slfinancialservices.wylth.com/

Have happy journey in investment 

India's Gold Holdings

 

https://slfinancialservices.wylth.com/

Different Asset Classes

 In 1987, the Sensex stood at just 442. Today, in 2025, it’s crossed 75,000.

 That’s not growth. That’s a revolution—a 170x surge.

Gold, with all its glitter, rose from ₹2,570 to ₹92,000.

 Impressive, yes—but that’s just 35x.

PPF and FDs? Reliable, predictable. But as interest rates dropped from 12% to 7.1%, they’ve struggled even to keep pace with inflation.

And yet, through every shock and storm, the Sensex kept doing what it does best: compounding.

It wasn’t always smooth sailing:

2008: The Sensex crashed over 50%. Gold held steady.

2020: The pandemic sparked panic. Gold glittered—but equities came roaring back.

2011–2015: Equities went flat. Debt played the stabilizer.

That’s the real story: not one asset, but a combination.

Equities build long-term wealth.

Gold shields during uncertainty.

Debt offers peace of mind and balance.

Asset allocation isn’t about avoiding risk.

 It’s about surviving the storm—so you’re still there to enjoy the sunshine.

And that sunshine?

 It’s in equities.

 Always was.

 Always will be

https://slfinancialservices.wylth.com/   

Financial Planning

What is Financial Planning?

Financial planning is the process of establishing personal and financial goals and creating a way to reach them by beating Inflation (Purchasing power eater). The financial goals can include buying a house, saving for your child’s education / marriage or planning for your retirement or simply creating a wealth in future.   

 

Benefits of Financial Planning

1. Knowing & understanding your financial needs / goals

2    Achieving your goals with optimum use of resources

3    Understanding impact of investment choices

4    Adapting to changes in personal & financial situations

5    Peace of mind – ensuring that your goals are not compromised

 

Effect of inflation (Prices of commodities)

 

Items	1957	1982	Present		2025
A Kg of Rice	0.30 paisa	Rs 4	Rs 30	Average 7% to 8% Inflation	82
A Kg of Tur Dal	0.50 paisa	Rs 8	Rs 70		190
A liter of Milk	0.50 paisa	Rs 2	Rs 30		82
A Liter of Petrol	0.25 paisa	Rs 3	Rs 75		204
A Kg of Sugar	0.15 paisa	Rs 3	Rs 35		95

What are available investment option

 

Opportunities	Indicative Returns	Indicative Risk	Indicative holding period
Fixed income Bank FD / RD, Postal RD / MIS, PPF, Debt Mutual fund	8% to9% ( Pre tax)	No	Ad per Desired holding period  ( 1to 3 years)
Equity ( Stocks /MF/ PE )	12% to 20%	High	Easy liquidity ( 5+ years)
Metals ( GOLD ETF / MF)	10% to 15 %	Moderate	Easy liquidity  ( 3 to 5 years)
Real Estate	15% to 18%	Moderate	Not liquid  (5 + years )

 

Performance of various Assets since 2000 to 2010 If Rs 100000 invested in Jan 2000 

Assets	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	Average	Maturity value
Equity	-20.60	-17.87	3.52	72.89	13.08	42.33	46.70	47.15	-52.45	75.5	16.7	20.63%	Rs 787061
Gold	0.10	0.33	14.00	4.50	14.00	2.60	3.30	15.5	20.00	23.00	23.80	13.71%	Rs 410946
Debt	10.8	22.46	15.68	9.95	-3.15	3.47	0.76	5.29	20.78	-5.5	8.4	8.09%	Rs 235310

Equity is more volatile than others & also gives more returns than other assets over longer period investment.

So considering INFLATION, 

  Fixed income option – This can only preserves the investment value.

  Equity (MF) & Gold can create wealth.

 

Goals	Investment period	Suggested Asset class	Rate of returns
Emergency Funds	No lock in OR Up to 1 year	Bank SB a/c MF Liquid schemes	4% 7 to 9%
Child Education    OR Child Marriage	1 TO 3 Years 3 to 5 years 5 years & above	Bank FD / MF Debt schemes MF Hybrid / Gold schemes MF Equity / Gold schemes	7 to 9 %     / 7 to 12% 9 to 15% 12 to 18%
Retirement	5 years & above	MF Equity / Gold schemes	12 to 18%

We have use these assets based on our goals and investment period

 Others goals ( Dream House, Four Wheeler, Foreign tour etc)  can be set as per available investment period.

 

15 YEAR SIP RETURNS FOR SIP OF Rs 10000 PER MONTH

115 DIVERSIFIED EQUITY SCHEME CONSIDARED

 

YEAR STARTED	2009	2007	2005	2002	2000	1997
Invested Amount	360000	600000	840000	1200000	1440000	1800000
YEARS	3	5	7	10	12	15
MAX RETURNS %	15.76	18.21	15.41	24.01	27.28	26.79
MAX RETURNS Rs	454746	944927	1454739	4276954	8580924	17450539
Average Returns %	1.73	7.73	8.64	17.84	19.94	20.29
Average Returns Rs	369687	729187	1142390	3064256	5228736	9802547

                      Data source    NJ SIP WATCH   August 2012