There is frenzy in commodity market about rising Gold and Silver. Now everyone wants to be part of it by direct investments or through ETFs i.e. recently buyers. We have been highlighting investment opportunity in gold and silver since 2022. After (Rusia – Ukraine war)

How our clients participated and benefited from gold and silver rally.

Since 2019 we recommended our clients to buy SGB (Sovereign Gold Bond). It gave tax free upside in gold prices plus 2.5% interest every year. Unfortunately, the government has discontinued SGB from last year.

We have taken exposure to Gold and Silver through Multi Asset Allocations funds . This is indirect and best way to buy gold and silver.

For brave hearts (very few) we recommended direct exposure to Gold and Silver through following funds

1. Edelweiss Gold and Silver ETF
2. DSP Silver ETF
3. DSP Gold mining fund
4. Axis Gold ETF

Our blogs on Gold and Silver (All blogs are available on our website)  Adding value to your investments through our learnings.

Blog 1 : SGB – Asset Allocation through Gold [Dated : 02/12/2023]
In this blog we discussed how can do asset allocation and add gold in portfolio for investments through SGB.

Blog 2 : Increase your surface area for Investments [Dated : 28/02/2024]
In this blog we suggested to invest across Asset classes (Including Gold) and Globe through MF. Diversification is key to mitigate risk in investment.

Blog 3 : Gold Father – Golden rally of Gold [Dated: 25/04/2025]
As per blog.........Gold rally is fuelled by central Banks buying. Gold and dumping US treasuries since Rasia-Ukraine war. This trend has accelerated in Trump era. We have been bullish on Gold since 2019-2020. Encouraged our clients to buy SGB, we are taking bet on Gold from Multi Asset Allocation fund. (Minimum 10% allocation to gold). One can consider Gold etf as well.

Blog 4 : Can ‘SILVER’ become ‘Gold’ [Dated : 30/04/2025]
After rally in gold, we have written this article. Silver just crossed $ 36 at that time Now it’s around $ 120.
As per blog........ ..Silver ($ 36) has given breakout and rally may continue. Silver is a part of Multi Asset Allocation Fund. It’s going to be multiyear rally for Silver.

What to do now

Best way to buy Gold and silver now is through Multi Asset Funds. Following funds are available

1. Kotak Multi Asset Allocation Fund
2. Whiteoak Multi Asset Allocation Fund
3. SBI Multi Asset Allocation Fund

Gold is regulated as hedge or insurance. We need to take insurance but don’t want to honor it. It means its not a good sign if gold rallying. As in history Gold rally is always followed by some crisis.

In investment your entry price matters so at this price it is not advisable to invest in Gold or Silver. You can consider gold as large cap and silver as small cap. So, silver can be much more volatile than gold.

Basic investment Rule - When everyone is buying (Greed), you should sell or avoid new investments.

We believe Gold and Silver are in multi year bull run – (Dedollarisation, Central banks buying, Geopolitical crisis) but we should wait for right entry price.

Normally I read related to finance, economics or Autobiographies but this book is totally different. It’s about how hospitals and our healthcare system running behind profit maximization and using unethical practices.

The book Games Hospitals Play by Abantika Ghosh looks to decode your private healthcare experience by exposing a slew of profit maximizing strategies that corporate hospitals exploit at the cost of a helpless citizen. People suspect deceit but lack of the knowledge to decipher the subdivision of hospitals costs to questions or argue. They pay because there is no choice. The book fills this gap admirably by presenting a detailed and accessible analysis of the factors that contribute to high healthcare costs.

This book covers large canvas describing a range of situations – huge mark ups in hospital. Pharmacies that snowball external purchases while charging more than MRP (MRP trap), pressure on doctors to deliver consumables to paid up bills, inflated charges for unnecessary diagnostic tests, procedures and extended ICU stays. And how referrals and package rates actually work. If as he says corporate health care prefers that patient undergoes. An MRI instead of the less expensive and quicker CT scan, regulators need to issue guidelines on rational behind it.

The book also flags another visible trend the bane of medical advertising which entices patients to agree for instance. Bariatric surgery sometimes leading to lethal consequences. She shows how strong over sight and exemplary punishments are not meted out because the clinical Establishment Act,2010, although it exists and applies to corporate hospitals, is inoperable because the rules are in abeyance.

The chief strength of book lies in the way it has demystified opaque processes and shown how information asymmetry enables obfuscation. Accounts of high profile tragedies prove the point but stop there. The long drawn litigation that follows an integral part of the “Games Hospital Play” also deserves attention as billing disputes and negligence cases linger for years, wearing down litigants.

Games Hospitals play opens as essential conversation. It must be read by Health ministers, civil servants, independent directors on corporate hospitals boards and hospital risk management committees. The government too must tighten regulation to protect the public. While the book presents are necessary critique. If reform was its aim it risks shaking trust.

Key Takeways from Book
       1. It is important to have good Insurance Cover. Insurance can  prevent you from expenses from your pocket as well as Insurance companies doctors keep close eye on your course of treatment. It may help you  in your hospital treatment.
      2. Its better to avoid hospitals by staying fit and healthy with proper diet and exercise

Blog by Mr.Santosh G Akerkar for educational and knowledge purposes only.

The ace archer.
Winners of many battles.

The most loved disciple of his Guru. Yet even the all-powerful Arjun had self–doubts. He needed Krishna to guide him.

The most talented champion athletes still need coaches.
The higher you go, the lonelier it gets, and the journey often looks more challenging.

All of us need a helping hand in different walks of life, be it health, wealth, religion, spirituality, education, or career. Working through competent processes and seeking the right guidance is not a weakness. It is a strength.

At Akerkar wealth in your wealth-building process, we do handholding through tough times and guide our clients to achieve their financial needs. We are not product peddlers but options providers to your financial problems.

We use a unique approach, ie, a Top-down and cyclical approach on Asset classes to invest for our clients. We strongly believe in the ' Skin in the Game ' philosophy.

Do let us know how we can contribute and help you and your loved ones to solve your financial problems.

Blog by Mr.Santosh G Akerkar for educational and knowledge purposes only.