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Gold Price History 50 Years – Why you should invest in Gold?

Shitanshu Kapadia
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Gold Price History 50 Years – Why you should invest in Gold?

Gold Price History – Gold a yellow shining material is considered a safe haven for investment. Gold is valuable & reliable metal for investment.

Gold consistently gives better returns to investors. In the year 2020, gold has given 25% returns to the investors. The 1 Lakh invested in gold in the year 2019 has become 1.25 Lakh in 2020. However, gold could not perform well in the year 2021. Gold generated very low returns in the 2021.

Gold is likely to give better returns in the year 2022.

In India buying a gold is tradition. Gold is purchased during festivals and during the wedding season. As per me, you should invest at least 2-20 gm gold every year. In this post we will talk about – Why you should invest in Gold? Gold Price history of 50 years and factors affecting gold price.

Also Read – Gold Loan Options in India – Key Features and Documents required

Why you should invest in gold?

The top reasons to invest in Gold are given below.

#1 Hedge Against Inflation

Gold acts as a hedge against volatile markets and inflation. The inflation rate is growing with time. Almost all currencies get depreciated in value with time. Gold is an appreciating asset. Over the long run, gold has beaten almost every asset class and given very good returns to the investors. The gold price has doubled over the last five years and tripled in a decade.

#2 Good returns over long term – Gold Price History – 50 Years

Historically gold has given very good returns to investors. In the year 2020 gold has given 25% return to the investors. In the last five years (2015-2020) gold has generated 14.5% returns to the investors.

 If you have invested 1 lakh in gold on January 1, 2010, today (as on 1st January,2021) your investment would have become 2.80 lakh (around tripled). The gold price history for the last 50 years is given below.

Gold price history -50 years

#3 Portfolio Diversification

One of the top reasons to invest in gold is portfolio diversification. Gold offers good portfolio diversification. Gold partially protect you from market events. You should design your portfolio in a manner that enables you to achieve your long-term financial goals. You should allocate at least 10% of your portfolio to gold or gold-related securities.

#4 Multiple forms of investment

Gold offers multiple forms of investment. You can invest in physical gold, gold jewelry, gold coins, gold bar, gold ETF as well as a sovereign gold bond issued by the government. You can select an investment form based on your need. As per my opinion, Gold ETF is the best way of investing in gold.

#5 Higher Liquidity

Gold offers a higher level of liquidity. Whatever form of investment you have be it a gold coin, gold jewelry or gold ETF you can sell gold anytime. The process of selling gold is quick and easy. There are multiple buyers of gold in the market. If it is a gold ETF it would take 3 business days for settlement and getting cash in your account.

#6 Gold is Tangible

Gold is a tangible asset. You can touch and feel gold. You can purchase physical gold after checking gold purity. Buying gold is relatively easy compared to other assets such as real estate, equity, and mutual funds. Electronic gold can be stored digitally and prone to hacking and other misuses.

#7 Gold does not require specialized knowledge

Gold does not require any specialized knowledge. You require specialized knowledge when you make an investment in equity, real estate, cryptocurrency, and mutual funds. On the other hand, you can invest in gold without any specialized knowledge. It is easy to check the purity of gold. You just need to check the hallmark symbol.

#8 Gold Loan

In bad times, you can also use gold to avail loan. Most of the banks and financial organization offers a loan against gold. You need to pledge gold to avail a gold loan.

Conclusion

Gold offers multiple benefits to investors. Historically gold has generated very good returns for investors. Investment in gold for the short term is not advisable but over the long run, one should defiantly consider gold for investment.

Happy investing 🙂

Standard Home Insurance – Bharat Griha Raksha

Shitanshu Kapadia
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Standard Home Insurance – Bharat Griha Raksha

Bharat Griha Raksha – Bharat Griha Raksha is new initiative by IRDIA. After launching standard term insurance and health insurance policy, Insurance Regulatory and Development Authority of India (IRDAI) announced a standard home insurance policy. The guideline for the standard home insurance policy is issued by IRDIA on 4th January, 2021.

The policy Bharat Griha Raksha is meant for home building and home content. The product of standard home insurance shall be issued by general insurance companies from 1st April, 2021. The basic purpose of issuing standard home policy is to boost property coverage against natural calamities and damages from fire and other events. In addition to Bharat Griha Raksha two other policies are introduced for financial protection of MSME segment. The names of policies are Bharat Sookshma Udyam Suraksha & Bharat Laghu Udyam Suraksha.

Bharat Griha Raksha

Standard Home Insurance – Bharat Griha Raksha – Key Features

Policy Coverage

The standard home insurance policy provide coverage against following threats to the home covered.  Fire, Natural Calamities such as earth quack, storm, cyclone, hurricane, tornado, flood, tsunami, landslide, rock slide, forest, Jungle and Bush fires, Impact Damage of any kind, Riot, Strike, Malicious Damages, Acts of terrorism, Bursting and overflowing of water tanks, apparatus and pipes, Leakage from automatic sprinkler installations and Theft.

Time Coverage

Time Coverage is 7 days from the occurrence of any of the aforesaid events.

Home Content Coverage

The insurance will provide home building coverage. Additionally, the policy will also provide automatic coverage to home content without any declaration. The home content coverage would be 20% of the sum assured up to maximum 10 Lakh. One can purchase higher insurance coverage by making declaration of home content.

Optional Policy Coverage

Bharat Griha Raksha Policy provide following optional coverage. The optional policy to be selected at the time of policy purchase.

  • Insurance for Valuable Contents like jewellery and stuffs.
  • Personal Accident of the insured and spouse due to an insured peril under the policy.

Waiver of Under Insurance

The policy provides complete waiver of Under insurance. If the sum of the insured general home content is less than that declared, the policy will still pay the entire amount. For example, you have insured home content up to 1 Lakh, but actual value of home content is 2 Lakh. Under such case whenever you file insurance claim, full amount 2 Lakh (up to sum assured) will be paid and not in proportion.

Add-ons

Insurers would be permitted to file innovative add-ons (additional covers) over and above the basic cover, in-built cover, optional cover, if any, and standard add-ons that these home insurance products already offer.

In addition to standard home insurance policy, two other insurance policies are introduced for small and micro enterprises. The primary aim of other two policies are to provide financial protection to MSME. Details of these policies are given below.

Bharat Sookshma Udyam Suraksha & Bharat Laghu Udyam Suraksha

This policy provides cover for the Building/Structures, Plant and Machinery, Stock and other assets of enterprises where the total value of risk across all insurable asset classes at one location exceeds Rs.5 Crore but does not exceed Rs. 50 Crore at the policy starting date.

The policy also provides several other in-built covers in addition to the basic coverage. Cover for alterations, additions or extensions, cover for specific contents, cover for start-up expenses (following a loss), Cover for payment of professional fees for Architects, Surveyors and Consulting Engineers, cost for removal of debris and Costs compelled by Municipal Regulations.

As per me, standard home insurance policy and MSME insurance is welcome move by IRDAI and surely increase penetration of home insurance and provide financial protection to MSME.

21 Top Stocks 2021 by Brokerage Houses

Shitanshu Kapadia
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0
21 Top Stocks 2021 by Brokerage Houses

Stocks 2021 – Most investors want to have a stock portfolio that is full of the best-performing stocks. But it may not be easy to find good stock for investment by self. More than 3000 stocks are trading on BSE. You need to perform a massive exercise to shortlist stocks based on various parameters. Chances are there that you will be able to find good stock for investment in 2021, but if you don’t have the expertise you may end up selecting the wrong stock.

Don’t worry here is readymade help. As a new year gift here is a list of Top Stocks 2021 by brokerage houses. The list contains popular large-cap stocks along with midcap and small-caps stocks from various sectors insurance, finance, telecom, chemical, IT, etc.

21 Top Stocks 2021 by Brokerage Houses

Stocks 2021

Stocks 2021 by HDFC Securities

Infosys – Infosys is a leading IT sector company in India. Infosys is a debt free company with a strong balance sheet. The company is focusing on digital transformation and other IT businesses. Looking at IT deal pipeline the stock is expected to perform better. 

Bandhan Bank – Bandhan bank is one of the most popular banks with 20% market share in India. Bandhan bank has a strong track record in growing earning and balance sheet. Bandhan Bank has very good future prospects with respect to banking requirements.

HUL

HUL is India’s largest FMCG company with a strong presence in the home care and beauty and personal care categories. The revenue of the company is growing @10% CAGR and profitability is also growing. The company is debt-free and cash-rich. HUL has very good earning potential due to the diversified product range.

Sun Pharma

Sun Pharma is India’s largest pharma sector company. Sun Pharma is a manufacturer and seller of pharmaceutical formulations. The company has multiple brands and strong market presence. The company is driving good revenue from US, Europe and Japan. The company has several product launches planned in medium to long-range.  The company is expected to give very good returns to the investor.

Other New Year 2021 stocks by HDFC are Birla Corporation, Gail India, Hindustan petroleum, Nippon life India Asset, ONGC and SBI.

The full HDFC Stock 2021 research reports can be downloaded from HDFC Site.

Stocks 2021 by ICICI Direct

Bharti Airtel

Bharti Airtel stock is 2021 stock selected by ICICI Direct. Bharti Airtel is India’s one of the largest telecom companies with a presence in a country like Africa. In addition to telecom company is also doing business in DTH services and broadband services. The stock is recommended for one-year time frame.

HDFC Life Insurance

HDFC Life Insurance company is another stock selected by ICICI Direct for investment in 2021. HDFC Life is life insurance service provider. The company is growing gradually and making the progress. As per ICICI direct one can expect growth in the stock.

Amber Enterprise India

Amber Enterprise India is OEM for room air conditioner manufacturer. They supply key parts of air conditioner to top AC brands in India. Most of the Indian company is selecting local manufactured product instead of relying on China. Thus Amber Enterprise India is likely to gain more business in the future.

Stocks 2021 by Angle Broking

Gujarat Gas

Gujarat Gas is a stock pick for 2021 by Angle Broking. The demand of gas is growing in the Industrial sector. This is due to fall in the gas price and environmental concerns. The overall financial performance of Gujrat Gas is very good. Profit and revenue is growing. The company has good margins.

Biocon

Biocon is a biopharmaceutical company. Biocon produces several lifesaving drugs. They have very good R&D facility. The company has presence in India as well as abroad. Historic returns of the stock is good. The stock is expected to give better returns in 2021.

Stocks for 2021 by other Brokerage Houses

CapitalVia – TCS, HDFC Life, M&M, SBI, HUL

Axis Securities – SBI, ICICI Bank, Bharti Airtel, HDFC, Reliance Industries

Equinomics – Bharti Airtel, UPL, ITC, Jyothy Lab, Balmer Lawrie

IDBI Capital – CDSL, Sumitomo Chemicals, Coromandel International, Jubilant Foodworks, HDFC Life

Religare – ICICI Bank, Kansai Nerolac Paints, Sudarshan Chemicals, Bharti Airtel, Britannia Industries

Over to you

Do you think buying 2021 stocks suggested by stock market experts will likely to give good returns in future?

(The views content and recommendations expressed in this post are of brokerage house own and do not represent those of Moneyexcel.com. Please consult your financial advisor before taking any position in the stocks mentioned)

Consistent Performer Stocks of 5 Years (2016-2020)

Shitanshu Kapadia
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0
Consistent Performer Stocks of 5 Years (2016-2020)

Stocks that are consistently performing and giving good returns are known as consistent performer stocks. These stocks give positive returns to investor every year. In the other word these stocks are bullet proof stocks that protects your portfolio from ups and downs.

As we know that stock market goes through various phases expansion, peak, recession and recovery. Almost every stock gets affected with stock market cycle. However, few stocks are non-cyclical. They are least impacted and likely to give positive returns to investors. As per me, these stocks are consistent performer stocks.

You should keep consistent performer stocks in your portfolio. If you are looking for consistent performer stocks, your search ends here. In this post, I will share 5 consistent performer stocks of past 5 years (20215-2020). In order to find out these type of stocks, I have analyzed past performance of various stocks from BSE. So, let’s take a look at 5 Consistent Performer stocks from 2015 to 2020.

5 Consistent Performer Stocks of 5 Years (2015-2020)

consistent performer 2020

#1 Atul

Atul is one of the largest chemical companies of India. Atul has wide product range in aromatics, chemical, pharmaceutical and polymer. Atul has local as well as global present. The stock of Atul is consistently giving positive returns since last five years. In the last year 2020-21 (Jan 2020 to Dec 2020) this stock has delivered 57% returns to the investors.

Atul Stock

#2 Bajaj Finance

Bajaj Finance is financial service company instrumental in lending, asset management, wealth management and insurance. Bajaj Finance also offers personal loan, loan against securities etc. The company has delivered good profit growth of 42.44% over last 5 years. In last five years the stock of Bajaj Finance has consistently given positive returns. Every year this stock is delivering returns in two digits. In the year 2020-21 (Jan 2020 to Dec 2020) this stock has delivered 27.24% returns to the investors.

Bajaj Finance

#3 HDFC Bank

HDFC Bank is one of my favorite stock. HDFC Bank is leading private sector bank that offers financial services to lot of customers. HDFC is growing consistently and delivering good returns to the investors. It is largest bank in India as per market capitalization. In 2020-21 (Jan 2020 to Dec 2020) HDFC Bank has delivered 11.34% returns for the investors.

HDFC Stock

#4 Asian Paints

Asian Paints is engaged in the Business of Manufacture of paints, varnishes, enamels or lacquers, Manufacture of surfacing preparations; organic composite solvents and thinners, and other related product.  Asian Paints has the highest market share in terms of paints and coating all over India. Company is debt free. Revenue and profit of the company are increasing YOY. The company has given consistent positive returns to the investors in last five years.

Asian Paints

#5 Aarti Industries

Aarti Industries is engaged in manufacturing and dealing in Speciality Chemicals, Pharmaceuticals and Home & Personal Care intermediates. Aarti Industries supplies product to domestic as well as international market. They have very good R&D facilities. Company has delivered good profit growth over last 5 years. In the last year 2020-21 (Jan 2020 to Dec 2020) this stock has delivered 41% returns to the investors.

Aarti Industries

Over to you –

Do you think above stocks will deliver good returns in the future?

Which method do you use to identify the best stock for the investment?

Do share your views in the comment section given below.

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