Fun Fact – Since 2008, gold and Indian equity returns are now the same. Look at it this way: Ram and Shyam graduated in 2008. Both received ₹1 lakh as a gift from their parents. Ram listens to business channels, absorbs slick presentations by mutual funds, and invests in the stock market. Shyam, on the other hand, listens to his grandmother and invests in gold. Fast forward to 2025 – they’ve both made the same amount of money. From: Neil Borate _This highlights the importance of asset allocation.You should have exposure to all asset classes—commodities, debt, and equity mutual funds—to balance risk and returns effectively._