In
the ever-evolving landscape of healthcare in India, doctors must prioritize
investments in hospital infrastructure. Enhanced facilities not only streamline
patient care but also foster a professional environment that attracts both
patients and top-tier medical personnel.
Equipping
hospitals with state-of-the-art medical equipment is equally vital. Advanced
technology not only improves diagnosis and treatment efficacy but also instills
confidence in patients, ensuring they receive the best care possible while
reducing error rates.
Moreover,
securing professional indemnity insurance is crucial for doctors. This safety
net protects practitioners from unforeseen legal challenges and financial
liabilities, allowing them to focus on their primary goal: delivering quality
healthcare without the cloud of risk hovering over them.
Skill
upgradation is another essential aspect that cannot be overlooked. Continuous
education and training in the latest medical advancements and practices ensure
that doctors remain competitive and capable, ultimately enhancing patient
outcomes and overall healthcare standards in the country.
In
summary, the path to improved healthcare in India lies in a multifaceted
approach. By investing in infrastructure, equipment, indemnity insurance, and
skill enhancement, doctors can not only elevate their practice but also
contribute to a stronger healthcare system.
When
considering other investment options in India, gold, rural land, and urban housing
each offer distinct advantages and drawbacks, necessitating a careful
examination for investors. Gold has traditionally been viewed as a safe-haven
asset, particularly during times of economic uncertainty. Its intrinsic value
and ease of purchase make it a reliable choice for many. In times of crisis,
gold often retains its value better than other commodities, and it is
relatively liquid; investors can quickly convert gold into cash through various
means, including local jewelers and digital platforms. However, while gold does
offer safety and liquidity, it tends not to yield regular returns like rental
income or agricultural productivity.
On
the other hand, investing in rural land can be seen as a more long-term
investment with growth potential, especially as urbanization continues to
spread into rural areas. The demand for agricultural land is resilient, and
with time, rural land can appreciate significantly due to factors like
infrastructure development or changes in land use policies. However, rural
areas may lack the robustness of the real estate market found in urban centers,
and liquidity can be a concern, as selling such land may take longer due to
limited demand.
Urban
housing represents a compelling middle ground, blending the potential for
appreciation with steady rental income. India’s fast-paced urban growth has led
to a surge in housing demand, making urban properties more likely to appreciate
in value. Furthermore, rental income ensures that urban housing investments can
produce ongoing cash flow. While urban housing may not be as liquid as gold,
the real estate market in cities often facilitates quicker sales than rural
land due to higher demand. Nevertheless, investing in urban housing comes with
higher upfront costs and ongoing responsibilities related to property
maintenance and management.
Now,
when it comes to equity, consider it the wild child of investment—thrilling yet
precarious. It can skyrocket your returns but may also toss you into the
unpredictable waves of market volatility. If you're blessed with a strong
stomach and a penchant for risk, equity could be your exhilarating ride through
the economy's ups and downs.
Ultimately,
each investment vehicle has its charm and quirks, like characters at a dinner
party. While gold shimmers steadily and rural land whispers sweet promises of
growth, urban housing and equity toss in a mix of liquidity and risk that keeps
things lively. Choose your investment based on your comfort zone and appetite
for adventure, and remember, there’s always humor to be found in the numbers!
In
summary, the choice between gold, rural land, and urban housing in India hinges
on an investor’s risk appetite, liquidity needs, and investment horizon. Gold
offers safety and liquidity but lacks regular income; rural land provides
growth potential but may be less liquid; urban housing balances appreciation
with rental yields but requires more management. Ultimately, the
"better" investment depends on individual financial goals and market
conditions. Diversifying across these assets may offer a comprehensive
strategy, leveraging the strengths of each while mitigating risks.
Investment tools:
urban land price evolution in AP. Per sq.yard price in 1990: 500/- in 2024: 1lac. appreciation is : 200x
Gold rush: per 100 gr gold in 1990 : 32000/- in 2024 : 7.5lacs. appreciation is :240x
Agri land : per acre agri land in 1990 : 75000/- ; in 2024: 25 lacs. appreciation is 33x
Gold Rush...Indiana zones
Gold ETF: An important non-physical mode of holding gold is via Gold ETFs (Exchange Traded Funds). These are units of gold that are held in demat form and these can be bought and sold through the trading account with a stock broker. ETFs are normally denominated in 1 gram of gold and the secondary market is quite robust so liquidity for entry and exit is rarely an issue. Annual charges for Gold ETFs include brokerage and expense ratio, and range from 0.50 – 1.00%.
Gold Mutual Funds: Almost similar to gold ETFs, but slightly different in content are the Gold Mutual Funds. Unlike gold ETFs, these gold funds are sold and redeemed by the mutual fund AMC at NAV-linked prices. The fund announces the NAV on a daily basis, which is based on the market value of gold, adjusted for the TER (total expense ratio).
Sovereign Gold Bonds:SGBs have emerged as a popular and powerful mode to invest in gold. These bonds are issued by RBI on behalf of the Government of India. The central government not only guarantees the underlying gold in SGBs in terms of grams held, but also guarantees the payment of interest at 2.50% per annum on the issue price of the gold bonds.
The maturity of Sovereign Gold Bonds is 8 years, with a premature exit option available from the 5th year onwards on interest payment dates. Investors also get Rs. 50/- per gram discount if they purchase these in the fresh issuance and make payment via digital mode. SGBs are also listed and traded on stock exchanges and hence there is no lock-in period in these bonds.
The price of gold has increased significantly since 1990, with the price
increasing by about 360% from 1990 to 2020. The return on gold investment
from 1990 to 2023 was 9.28%.
Here are some other gold price trends:
1996 to 1998: The price of gold fell from ₹5,160 to ₹4,045 per 10 grams.
2000 to 2010: The price of gold increased from ₹4,400 to ₹18,500 per 10 grams, giving a return of around 320%.
2010 to 2020: The price of gold increased from ₹18,500 to ₹48,651 per 10 grams, giving a return of around 162%.
2023: The annual average return of gold was 13.1%.
Gold is often considered a safe-haven asset, and its price can increase during times of financial crisis or trade tensions.
|
1964 |
Rs.63.25 |
|
1965 |
Rs.71.75 |
|
1966 |
Rs.83.75 |
|
1967 |
Rs.102.50 |
|
1968 |
Rs.162.00 |
|
1969 |
Rs.176.00 |
|
1970 |
Rs.184.00 |
|
1971 |
Rs.193.00 |
|
1972 |
Rs.202.00 |
|
1973 |
Rs.278.50 |
|
1974 |
Rs.506.00 |
|
1975 |
Rs.540.00 |
|
1976 |
Rs.432.00 |
|
1977 |
Rs.486.00 |
|
1978 |
Rs.685.00 |
|
1979 |
Rs.937.00 |
|
1980 |
Rs.1,330.00 |
|
1981 |
Rs.1670.00 |
|
1982 |
Rs.1,645.00 |
|
1983 |
Rs.1,800.00 |
|
1984 |
Rs.1,970.00 |
|
1985 |
Rs.2,130.00 |
|
1986 |
Rs.2,140.00 |
|
1987 |
Rs.2,570.00 |
|
1988 |
Rs.3,130.00 |
|
1989 |
Rs.3,140.00 |
|
1990 |
Rs.3,200.00 |
|
1991 |
Rs.3,466.00 |
|
1992 |
Rs.4,334.00 |
|
1993 |
Rs.4,140.00 |
|
1994 |
Rs.4,598.00 |
|
1995 |
Rs.4,680.00 |
|
1996 |
Rs.5,160.00 |
|
1997 |
Rs.4,725.00 |
|
1998 |
Rs.4,045.00 |
|
1999 |
Rs.4,234.00 |
|
2000 |
Rs.4,400.00 |
|
2001 |
Rs.4,300.00 |
|
2002 |
Rs.4,990.00 |
|
2003 |
Rs.5,600.00 |
|
2004 |
Rs.5,850.00 |
|
2005 |
Rs.7,000.00 |
|
2007 |
Rs.10,800.00 |
|
2008 |
Rs.12,500.00 |
|
2009 |
Rs.14,500.00 |
|
2010 |
Rs.18,500.00 |
|
2011 |
Rs.26,400.00 |
|
2012 |
Rs.31,050.00 |
|
2013 |
Rs.29,600.00 |
|
2014 |
Rs.28,006.50 |
|
2015 |
Rs.26,343.50 |
|
2016 |
Rs.28,623.50 |
|
2017 |
Rs.29,667.50 |
|
2018 |
Rs.31,438.00 |
|
2019 |
Rs.35,220.00 |
|
2020 |
Rs.48,651.00 |
|
2021 |
Rs.48,720.00 |
|
2022 |
Rs.52,670.00 |
|
2023 |
Rs.65,330.00 |
|
2024 (Till Today) |
Rs.71,510.00 |
Comments
Post a Comment