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  Equities are known to deliver inflation-beating returns. At a time when the interest rates are low equities are one's best bet to shield one's wealth from the destructive effects of inflation. Historically equities have delivered stellar returns ranging from 17% to 22% per annum. The problem with equities is that they are highly volatile. Many equity investors tend to liquidate their holding during volatile times. The net result is that not only the investor loses his leverage but also falls short of accumulating the desired corpus to fulfill his financial goals . Patience is extremely essential for the success of equity investments . One cannot achieve his long-term goals by looking at short-term volatility. During the historical volatility witnessed during March 2020, many equity investors pressed the panic button and exited their investments in a hurry. This kind of behavior can derail the financial train that can help the investor achieve even the most difficult financial

You may find it difficult to make a savings plan if you don’t understand the long-term benefit thereof. There is no income too little for you to set aside a little to save. When you save gradually from your income, you are preparing for the “raining days” and unforeseen circumstances that can crop up at any time. You can start saving slowly and build it gradually as your situation changes. There is no better time to start saving than now. The following are the benefits of having a savings plan on your low income;     Benefits of Having a  Savings Plan: 1.  It will Help You in Emergencies Emergencies are unexpected situations; hence they can occur at any time. Since the funds required to take care of emergencies are not part of your regular budget, you may be subjected to looking for such emergency funds from external sources such as borrowing from friends or family and even financial institutions like banks. Your accumulated savings may be your saving grace in alleviating an emergency

  India’s relationship with gold dates back centuries. Festivals become one of the excuses to buy gold coins and gold jewellery. Gold has been a favourite all-in-one investment option. However, with the price of precious metals soaring high, various other forms of investments have surfaced that can deliver superior returns. Historically, gold has provided a hedge against inflation. It is also considered as a hedge against volatility. It has long been touted as a diversification asset. But with the introduction of digital gold and Gold ETFs , physical gold is losing its attractiveness as an investment destination. Besides, if one were to evaluate the returns, the Gold ETFs has delivered superior returns over the physical gold. Now, it is not extremely necessary that you have gold in your portfolio. It is quite al-right if you do not have any gold in your portfolio. You can always fall back on some well-chosen equity funds to help you in inflation. A lot of people go big on gold, and it