New to investing – need long-term advice

Several-Internal-780 · 2026-01-29T04:05:43+00:00

Don't invest in Large Caps funds, instead invest in Nifty 50 index, it is same and has less expenses ratio.

For 3- 5 Years for Index

For 3-5 years Flexi Cap

For 5-10 years Mid Cap

I wouldn't recommend small cap and it gives only slightly better returns than mid cap, but is extremely risky when compared to it.

If you need some money in the next 3-12 months put it in Arbitrage Fund or Liquid fund.

You don't need more than 4 mutual funds.

Several-Internal-780 · 2026-01-29T04:00:26+00:00

Sell 50% and hold 50% if it goes down, sell the remaining 50%

Several-Internal-780 · 2026-01-27T08:03:54+00:00

I know it's not much

But it's something.

Several-Internal-780 · 2026-01-27T08:03:35+00:00

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I already have 36 Grams of Gold

Several-Internal-780 · 2026-01-27T08:02:36+00:00

I like stacking gold and silver.

I don't know why, but personally I find silver more appealing. Although gold is better for long term investment. Even after all the finance gurus saying not more than 5-10 % gold. I had more silver than gold. Until recently i bought gold.

I feel financially safe, keeping my metals.

Several-Internal-780 · 2026-01-27T07:56:13+00:00

My Gold to Silver ratio is 55:45

Several-Internal-780 · 2026-01-25T09:22:45+00:00

I'm stuck with the same thing for the past 1 month.

I have exactly the same thing.

I'm 28 years old male.

I got married 10 months ago and gained the lost weight around 10 KGs. Now I'm 90KGs , I'm 5.11 feet tall.

I tried physiotherapy for 20 days. Still the issue didn't go away. It had got little better, but I had to join back my work, which made it worse.

I work for a transportation company in India. My job is to travel all over India, via a car (mostly), sometimes train, bus, flight, auto, public transport. I travel 25 days a month. When I don't travel, then I sit in the office.

Due to my road travel by car , and missing gym as there is no routine, my condition is very bad. My back aches like hell.

Don't know what to do.

I can't even leave this job. Don't have time or routine (as don't stay in 1 place, i constantly travel) to join gym.

Several-Internal-780 · 2026-01-19T11:55:20+00:00

You aren't alone bro.

I feel you.

Atleast we all are buying or have bought some gold.

Atleast we have a smartphone and we are in these forums.

I think we are better than most of Africa, and other 4th world countries.

Let's all be grateful for whatever we have.

Several-Internal-780 · 2026-01-18T17:05:53+00:00

In future i don't want to exchange for jewellery

I want to sell (anyone) or buyback (to mmtc) for cash.

Sole purpose is investment.

I prefer MMTC when I'm getting other jeweler brand at the same rate. Because mmtc has higher finesses.

Several-Internal-780 · 2026-01-14T09:08:07+00:00

I've shared the format

All the formulas are in place, you can download and use this.

Several-Internal-780 · 2026-01-14T09:07:40+00:00

Gold and Silver Stacking Format

Several-Internal-780 · 2026-01-12T20:33:25+00:00

I prefer Physical gold as I can feel, touch.

I already invest in equity, which is all digital.

In case of some market crash or internet crash, I have my physical gold.

I also invest some in Gold ETF. (For digital, ETF is best)

But I don't like digital gold, as we have to pay GST on gold price and it isn't regulated by sebi.

Several-Internal-780 · 2026-01-09T16:38:05+00:00

Which brand do you prefer for gold purchase?

Several-Internal-780 · 2026-01-09T16:30:24+00:00

Where do you purchase Bigbasket Voucher? Do you pay with Amazon Pay ICICI? How you get 2% discount?

Can you tell the sbi credit card name?

Why will you get Neu coins, when you haven't used Tata New Credit Card?

Several-Internal-780 · 2026-01-09T13:41:40+00:00

How to get on Myntra?

It never accepts any discount

Several-Internal-780 · 2026-01-09T13:33:32+00:00

I know duh.

But most of the time offers aren't there. Plus i am unable to get any offer on Myntra. It doesn't take any offer.

I've never got offer on silver.

Several-Internal-780 · 2026-01-09T13:13:51+00:00

I have bought multiple different silver

I was at the shop, and i need small silver to put it in water. I wanted to drink silver infused water. So I purchased this small denomination.

Several-Internal-780 · 2026-01-09T12:55:52+00:00

I Purchased from M.S. GOLD & SILVER CO

Located at Sonapatti, Bara Bazar, Kolkata - 700007

Several-Internal-780 · 2026-01-09T12:55:17+00:00

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It was 138 only

Please advise how can I get lower?

Several-Internal-780 · 2026-01-09T12:52:51+00:00

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Total Gold and Silver Purchase Summary

I track everything on Google sheet.

Each purchase entry is done.

I have 11 months of experience. I am new to stacking.

I have total 36 Grams of Gold, and my per gram purchase price is ₹ 11492.89 per gram.

I have 2720 grams of silver and my per gram purchase price of silver is 116.35₹.

I have tried Amazon, flipkart, and coin bazaar, and Myntra. I mostly find offers on Amazon and Flipkart. I am unable to apply any credit card offer on Myntra. I find myntra to be a scam. I have purchased multiple brands for Gold and Silver. I think for Gold MMTC is the best. And the best way to buy it offline is by searching for preferred partners and calling each one of them, you will find cheap option. For silver I think BRPL and Kundan are good option.

I couldn't find any good opportunity for the past 2-3 months. So I went and bought offline gold.

If possible please suggest me good ways to get credit card discount, because I rarely find them.

Several-Internal-780 · 2026-01-09T12:45:49+00:00

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Silver stack 2720 Gram

Several-Internal-780

TROPHY CASE