If you are confused by personal finance terms, jargon and calculations, here’s a series to simplify and deconstruct these for you. In the 83rd part of this series, Riju Mehta explains this unique concept on international investing.
In this week’s TrendMap, ET Wealth compares seven asset combinations. Portfolios with gold have delivered a notable return boost in recent years, while those without gold exposure have consistently lagged. By Sameer Bhardwaj.
2025 saw significant shifts in personal finance, with succession law changes abolishing mandatory probate in major cities and clarifying ancestral property rights. Foreign education faced a downturn due to rising costs and visa complexities, while a new act curbed online money gaming. Home loan rates also dropped significantly, offering substantial savings to borrowers.
If global investors redirected capital away from India to markets more closely linked to the AI hardware cycle, then a natural rebalancing could favour India once that phase eases. In the context of AI, India is emerging as a strong second-order beneficiary of AI. While it may not be building foundational AI infrastructure, it is rapidly emerging as an important participant in the application economy.
Will markets bounce back or continue to correct? Which sectors will lead? Can gold sustain its stellar run? Will interest rates fall more? ET Wealth asked seven market experts what investors should expect from the year ahead.
2025 defied job market optimism, presenting persistent uncertainty instead of crisis. Careers stalled as hiring remained tight and promotions were deferred. The year served as a stress test, highlighting the need for proactive career momentum. Know what to do differently to succeed, says Devashish Chakravarty.
In 2025, Indian cross-border investing saw a regulatory overhaul, with LRS and GIFT City's IFSC framework introducing stricter compliance and clearer tax rules. This shift moved overseas investments from opportunistic bets to deliberate portfolio strategies, while also highlighting areas needing further reform for sustained growth.
Review your finances, but do not beat yourself up about missing the boat or resolving to speculate in the coming year. Instead, identify and be more aware of your personal finances and choices based on the year’s experiences that provide information about how you managed your money.
Retirement planning saw major changes in 2025. Policymakers reformed EPF and NPS, making them more flexible and digital. NPS now allows easier withdrawals and higher equity allocation. EPF withdrawals are simplified into three categories. A string of new rules and changes ushered in a drastic transformation for EPF and NPS.
Most investors look at historical returns and project that return going forward. Over the last 25 years, equity has delivered an average annual return of 15%. However, it would be inappropriate to project this return going forward as averages lie.
The year 2025 brought significant changes to India's income tax landscape, with Budget 2025 introducing beneficial hikes in rebate and exemption limits under the new tax regime. The flurry of ‘nudges’ from the income tax department heightened compliance stress for taxpayers reeling under complex return-filing processes.
2025 marked a watershed year for Indian insurance, with the Sabka Bima Sabki Raksha Bill significantly boosting FDI to 100% and empowering IRDAI. Key reforms included GST removal on health and life premiums, a revamped ombudsman system, and efforts to resolve insurer-hospital conflicts, aiming for greater consumer access and protection.
Indian equities consolidated in 2025, with the Nifty delivering a modest 9.4% return amid concerns over stretched valuations and slowing earnings growth. Domestic pressures were compounded by foreign capital outflows and geopolitical uncertainty, leading to broad-based market weakness. Investors prioritised stability, favouring large caps over mid and small caps.
Gold and silver experienced a remarkable surge in 2025, with silver jumping 138% and gold gaining 74.5%. This rally was fueled by geopolitical tensions, central bank buying, and strong ETF demand. While digital gold saw initial growth, regulatory scrutiny slowed its momentum. Silver's ascent, however, was driven by robust industrial demand, signaling a potential structural shift.
Mutual funds saw significant growth in 2025 despite market volatility, with multi-asset funds and income-plus-arbitrage funds emerging as investor favorites. New regulations by Sebi aim to increase transparency in fund charges, breaking down expenses into distinct categories for investors. Multi-asset funds powered by gold ruled 2025, while new tax-smart hybrids offered debt fund alternatives. SEBI’s fee overhaul brought transparency.
India's stock markets saw mixed performance in 2025. Foreign investors pulled back, but domestic funds and retail investors provided support. Large-cap stocks did well, while mid and small caps faced challenges. Precious metals like silver and gold shone. The rupee weakened significantly. Bitcoin experienced sharp price swings throughout the year.
The Houthi chief warned that recognition would have serious consequences, calling it a “hostile stance” against Somalia, its African neighbours, Yemen, the Red Sea, and the countries along both shores
The New York Yankees continued to add depth with another free agent signing of a player who may soon help the big league club.
Prominent names such as Manoj Dubey, Rizal Chitr Hilsoria, Babban Ramachandra Mande, and Ashok Nand Patade are also included in the list
Tim Bradley Dares Bam Rodriguez to Face Inoue at 122 @ Boxing News 24/7
The anti-Israel personality stated to believe that the AmFest pool results came from an influence from the Israeli government, its defenders, and "informal employees in the USA."
With the Sun still in an active phase there could be more spectacular Northern light displays in the year ahead.
Took his Mrs to a strip club?
She's a keeper!Statistics: Posted by Blueomar — Mon Dec 29, 2025 12:58 am
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