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New Delhi: There was not much excitement for equity market investors in 2025 as foreign investors resorted to relentless selling and Sensex and Nifty also did not jump significantly. Meanwhile, gold and silver recorded an exponential jump. Speaking to Money 9 editor Priyanka Sambhav, financial coach Sanjay Kathuria said he made purchases in the fall and earned returns of 7-8 percent, while ordinary investors got almost zero returns.
According to Sanjay Kathuria, whenever the market falls, investors get scared, whereas the real opportunity is there. He said that he kept buying ETFs every time the market fell by 1-1.5 percent and this strategy benefited him. He says that SIP should continue, buy “sip on dip” i.e. buying during fall is also necessary.
According to Sanjay, the biggest lesson learnt in 2025 is that diversification is very important. He cited the example of a 'thali approach' and said that just as everything is available on the plate, there should be different assets in investment. For this, multi-asset allocation funds are an easy option, which includes equity, debt, gold, silver and international investments. He said that about 30 percent of the common investor's portfolio should be in such a fund.
On real estate, Sanjay said that buying a house is not wrong, but first it should be decided whether the objective is self-use or investment. A house for self-use is not purchased according to the price increase. At the same time, he thinks commercial properties or plots are a better option for investment, because these have high rental yields. He also said that price correction is very low in real estate, where there is more 'time correction'.
Sanjay Kathuria reiterated that SWP i.e. Systematic Withdrawal Plan is the best way for retirement. According to him, if a senior citizen owns a house worth crores, then it is better to invest money and get SWP than rent it. This gives a steady income every month with less hassle. He described it as a necessary option for every retired investor in the country.
According to Kathuria, the biggest risk to the market in the upcoming year is geopolitical tensions. If the situation worsens, metals like steel, copper, zinc, gold and silver may see a sharp jump. If the situation remains calm, then the auto and consumer sectors can perform strongly. He said that there are no high expectations from the budget, just that there should be no increase in long-term capital gains tax. 2025 may have been weak, but it will prove to be a cheap buying year for investors. The benefit of collecting more units will be available in the coming years.
(Disclaimer: This article is only meant to provide information. TV9 does not recommend buying or selling shares or subscriptions of any IPO, Mutual Funds, gold, silver and crypto assets.)
