HI I have the problem of recalling the things / work/assignment/names also. what should do to overcome this problem. As i am doing multitasking job. its is unable to recall. i am also 120 kg and diabetic i want to reduced the weight and focus on concentration in my job. pls help me

Ans: You are thinking in the right direction. You are questioning the price tag, not getting carried away by it. This itself shows maturity and long-term thinking. Many investors do not pause at this stage. You deserve appreciation for that clarity.

» Price per gram versus wealth creation reality
– Seeing silver at Rs 330 per gram and gold at around Rs 15,000 per gram creates a strong emotional pull
– Our mind feels silver is “cheap” and gold is “expensive”
– This is a mental shortcut, not an investment logic
– Wealth grows by percentage return over time, not by how many grams we can buy
– One gram at Rs 100 that grows slowly can underperform one gram at Rs 10,000 that grows steadily

» Why silver looks attractive but behaves differently
– Silver has a dual role: precious metal and industrial metal
– Industrial demand makes silver prices volatile and cyclical
– When the economy slows, silver demand can fall sharply
– This leads to long periods of price stagnation
– For a salaried professional with monthly investing, such swings can test patience

» Gold and silver are not growth assets
– Both gold and silver do not create earnings or cash flow
– Their value depends mainly on demand, inflation fear, and currency movement
– Over long periods, they protect purchasing power but rarely multiply wealth
– Expecting strong upside from silver over 10 years is usually unrealistic
– This is especially true when the goal is disciplined monthly investing

» Is silver a mental trap for small investors
– Yes, for many investors it is
– “I can buy more grams” gives psychological comfort
– But comfort does not equal better returns
– Silver often underperforms expectations when held for long durations
– Storage cost, purity issues, and liquidity challenges further reduce actual benefit

» Does silver have any role at all
– Silver can be used as a small diversification tool
– It should never be the core of a long-term portfolio
– Allocation should be limited and purpose-driven
– Treat it as a hedge, not a growth engine
– Overexposure can slow overall portfolio progress

» Better alignment with your 10-year goal
– At age 35, your biggest strength is time
– Regular monthly investing suits growth-oriented assets
– Actively managed equity mutual funds suit this phase well
– Active fund managers can adapt to market changes and protect downside
– This flexibility matters more than metal price movements

» Why market-linked metal products are not ideal substitutes
– They closely track metal prices without adding value
– No active decision-making or downside control
– Returns depend only on price cycles
– This makes long-term compounding weak
– Actively managed funds aim to grow wealth, not just track prices

» Risk, emotion, and discipline
– Silver prices can move sharply up and down
– Such movement can tempt investors to time the market
– Timing mistakes hurt long-term results
– Simple, steady investing works better than reacting to metal prices
– Discipline matters more than affordability

» Tax and liquidity awareness
– Physical silver has making charges and selling spreads
– Tax treatment can reduce post-tax returns
– Liquidity is not always smooth during urgent needs
– These frictions are often ignored at the buying stage

» 360-degree portfolio thinking
– Your Rs 15,000 monthly budget is a powerful habit
– Focus on assets that reward time and consistency
– Use metals only as support, not as drivers
– Growth assets should do the heavy lifting
– Review allocation periodically with a Certified Financial Planner

» Final Insights
– Silver looking affordable is largely a mental illusion
– Long-term wealth is built by return quality, not unit price
– Silver does not offer reliable long-term upside for salaried investors
– Limited exposure is fine, dependency is not
– Staying focused on growth-oriented investing will serve your 10-year goal far better

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment