Gold & Silver ETFs

 Why ETFs?

One of the key benefits of investing in Gold ETFs and Silver ETFs is that they offer a convenient and cost-effective way to invest in precious metals. The purity of the metal is assured, and it is kept in safe custody, thus eliminating the risk of theft is eliminated.

So Main Benefits of ETFs over physical gold are:-

• Liquidity and Accessibility: Gold ETFs are traded on stock exchanges, making them highly liquid. Investors can buy and sell units of ETF just like stocks, offering easy access to the gold market.
• Transparency: One of the key advantages of gold ETFs is their pricing transparency. Investors can easily monitor the price of gold and consequently the performance of gold holdings.
• No Storage Hassles: Owning physical gold comes with storage and security concerns. Gold ETFs eliminate these worries as investors do not need to store the metal physically.
• Affordability: One unit of Gold ETF costs approximately Rs. 85. Given the lower cost of acquisition, One can invest with a minimum amount of INR 1,000.
• Lower Other Costs: Buying physical gold can incur significant costs, including making charges, storage charges, dealer premiums etc. As compared to these, gold ETFs have much lower expense ratios.

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List of Gold ETFs with 1-year Return (As of April 2025)

Fund Name	1-Year Return (%)	Expense Ratio (%)	Net Assets (Cr)
UTI Gold Exchange Traded Fund	32.11	0.5	1,844
Tata Gold ETF	31.97	0.36	514.00
HDFC Gold ETF	31.85	0.59	9,026
Quantum Gold Fund	31.84	0.78	299.00
LIC MF Gold ETF	31.48	0.41	294.00
Axis Gold ETF	31.38	0.56	1,553
UTI Gold ETF FoF - Direct Plan	31.26	0.16	225.00
ICICI Prudential Gold Exchange Traded Fund	31.08	0.5	7,189
ICICI Prudential Regular Gold Savings Fund (FOF) - Direct Plan	31.02	0.09	1,909
Aditya Birla Sun Life Gold ETF	31.0	0.47	1,110
Zerodha Gold ETF	30.98	0.31	233.00
Quantum Gold Savings Fund - Direct Plan	30.97	0.03	181.00
Kotak Gold ETF	30.97	0.55	7,167
Mirae Asset Gold ETF	30.94	0.34	734.00
Tata Gold ETF FoF - Direct Plan	30.86	0.16	213.00
SBI Gold ETF	30.84	0.73	7,634
Baroda BNP Paribas Gold ETF	30.82	0.48	88.00
DSP Gold ETF	30.82	0.45	774.00
Invesco India Gold ETF	30.8	0.55	257.00
LIC MF Gold ETF FoF - Direct Plan	30.76	0.2	104.00
HDFC Gold ETF Fund of Fund - Direct Plan	30.73	0.18	3,558
Edelweiss Gold ETF	30.73	0.59	159.00
Nippon India ETF Gold BeES	30.69	0.82	19,782
DSP Gold ETF FoF - Direct Plan	30.45	0.65	76.00
Nippon India Gold Savings Fund - Direct Plan	30.38	0.13	2,744

Mutual Fund Sahi Hai

 

Controlling Your Emotions During Market Swings

The recent market volatility, with its dramatic price swings, can be a nerve-wracking experience for investors. It's during these turbulent times that our emotions can run high, often leading to impulsive decisions driven by behavioral biases. As the saying goes, discipline is the cornerstone of a successful investment strategy, but it's not just about sticking to the rules; it's about mastering your emotions too. The biggest investing blunders happen not because of bad strategies, but because of emotional decisions.

One of the most respected financial writers, Nick Murray, once said, "Investment performance doesn't determine real-life returns; investor's behaviour does."

When markets soar, greed whispers sweet promises of endless gains, inflating our confidence to dangerous levels. We start seeing ourselves as market gurus, ignoring warning signs. Then, when the tide turns, fear takes over. Seeing prices plummet, we panic, convinced the sky is falling. We dump stocks at rock bottom, locking in losses and missing out on the eventual rebound. These emotional rollercoasters are driven by behavioral biases - those sneaky mental shortcuts that lead us astray. We become prisoners of our perceptions, not masters of our analysis. We buy high, sell low, and wonder why we're not getting ahead. The truth is, successful investing isn't just about crunching numbers; it's about understanding - and conquering - your own inner demons. Recognizing and managing these biases is crucial to making rational investment decisions, especially during periods of heightened volatility.

INVEST NOW IN MUTUAL FUNDS

Source/Contribution by : NJ Publications

Is Big Boys Spoiling Hard Earned Money of Retail Investors because of Credit Rating Agencies?

In this Year We got First Resolution in BFSI industry by NCLT.

We are talking about Dewan Housing Finance Corporation (DHFL), India's biggest home loan mortgagee before July, 2019.

Its asset were in the tune of 1,00,000 crores.

In a few months its rating was downgraded from 'AAA' to 'D'.

Retail investors who have invested their hard earned income in the company NCDs and FDs were in shock. Same investors invested in the NCDs because of Credit Rating Provided by Rating Agencies (one of prestigious agencies).

Now these retails investors were on hope with another prestigious agency NCLT, But all in vain.

Now One Corporate bidded for another defaulter corporate and offer to pay appx 33% of Loan Value and other deposits. NCLT approves and these big boys enjoys. Any recoveries from NPAs, Stock Value marked only Rs 1. It made Double loss to investors who also have Equity portion in DHFL.

Retail Investors can watch the news only. 

Real game has been Played by Big Boys viz Piramal, Wadhwans of DHFL, NHB, NCLT, Credit Rating Agencies, Renowned Politicians and Petitioners.

Retail investors is still alive on hope.

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Learn Stock Market Concepts & start earning through investment in various products offered through online platform of ICICIdirect.

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Post Graduate Program in Life Insurance

Register Here for Upcoming Batch

Post-Graduate Program in Life Insurance with HDFC Life, is one of the best choices to kick-start career in the financial services sector.

Selection Criteria: Online Test & Personal Interview

Eligibility: 

• Fresh Graduates or Final Year candidates who are going to complete graduation before May'19.
• PAN Card mandatory to apply. If not available apply online and provide ref no.
• Max Age - 30 (As on 01/Apr/2019)
• Good Command on Regional Language & English Language.

Benefits:

• 100% guaranteed Job: Start your career in insurance with India's leading corporate - HDFC Life right after course completion
• Get a PG certificate in Insurance form HDFC Life & Upgrad
• Earn while learn, get a paid internship (INR 1,10,700/- stipend) with HDFC Life during the program.
• Joining at Home Location
• Hiring across all India. So candidate from any location can apply.

This will be a 1-hour Aptitude Test conducted online by HDFC Life with questions on Arithmetic, English Language, and Logical Reasoning. 

If you have any questions- please reach out to us at +91- 97179-38004

 

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CFA - Salary & Compensation

If you look into the brains of students who are pursuing CFA Program with all their might, we will see one thing common. They have an immense urge to earn big.

• CFA is not an exam that can be passed by anybody. Even CFA shouldn’t be pursued by everybody. It’s a very tough-nut to crack and to pass the exam, you need to let go of your weekends and any left-over relaxation in weekdays (we assume that you’ve been working full-time with an organization).
• Most people jump in to pursue CFA exam without doing proper research. They just go with the flow. But if you’re someone who wants to pursue CFA, you need to check the data before you take the plunge.
• In this guide, we will try to investigate whether CFA is the right option for you if you’re looking for a hefty amount at the end of the day.
• To be precise, we will answer one question – “Is CFA as valuable as it seems (of course in terms of compensation)?”

CFA Top Employers:

According to the statistics of June, 2014, it was found that the top occupation after completion of CFA is of Portfolio Manager. 22% of all the members go for Portfolio Management. After Portfolio Management, the second top position is taken by Research Analysts (15%). Then gradually Chief Executives (7%), Consultants (6%), Risk Managers (5%), Corporate Financial Analysts (5%), Relationship Managers (5%) and Financial Advisors (5%) take their respective places.

1. JP Morgan Chase
2. PwC
3. HSBC
4. Bank of America Merrill Lynch
5. UBS
6. Ernst & Young
7. RBC
8. Citigroup
9. Morgan Stanley
10. Wells Fargo

As per the industry, here are the average salary details of CFA holders in India –(It can be clearly seen that in India the compensation of CFAs is not at all up to the mark.)

It may seem that in India, the compensation of CFAs is lowest, but if you consider the cost of living in India, the compensation is quite high in comparison with the other professions. In this section, we will look at the future and would try to see how much employment market will increase in terms of percentages.

Earn a Rewarding Career in the Financial Industry by acquiring the CFP Certification

 

The growth of the financial sector in India makes financial planning one of the fastest growing professions. The estimated demand of financial planners is around 50,000 CFPCM professionals in the banking and financial services industry in India. However, till April 2018, India has had only 1766 CFPCM professionals. This makes CFPCMCertification to be amongst one of the most sought after certifications. Which is why, ICICIdirect Centre for Financial Learning offers CERTIFIED FINANCIAL PLANNERCM(CFPCM) training programme, to give aspiring professionals an opportunity to start a successful career in the financial services. Prominent: Rated as "One of the best Jobs" by U.S. News and World Report, 2012 Credible: Rated as Gold Standard by Wall Street Journal Globally Recognised: The most recognised and respected financial planning certification in 25 countries In Demand: Supported, recognised, promoted and preferred by 48 organisations of the BFSI Industry Source: www.fpsbindia.org New batch for CFP Classroom is starting from July 21, 2018 For more details call Nidhi on +91 9717935182 Regards, ICICIdirect Centre for Financial Learning (ALC), Pitampura