10–20 saal baad meri purchasing power zinda ho

 

Ab Kya Steps Lenay Hain? (Simple Action Plan)

STEP 1: Apni Soch Clear Karo

Sab se pehla step paisa nahi, mindset hai.

• Short-term trading, tips, signals band

• “Kal kya hoga?” ka sawal chor do

• Is goal par focus karo:
  👉 10–20 saal baad meri purchasing power zinda ho

👉 Agar mindset clear nahi, baqi sab fail.

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STEP 2: Emergency Cash Alag Rakho

Gold/silver lene se pehle:

• 3–6 mahine ka kharcha cash mein rakho

• Savings account ya easy access FD mein

👉 Is se majboori mein metal bechna nahi parta.

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STEP 3: Paper Assets Ko Samjho

Apni investments ko 3 boxes mein rakho:

1️⃣ Paper claims

• stocks, mutual funds, bonds

• system chalay to theek, warna risk

2️⃣ Cash

• sirf liquidity ke liye

3️⃣ Real assets

• gold, silver (physical)

👉 Galti yeh hoti hai ke log sirf box 1 aur 2 mein rehtay hain.

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STEP 4: Gold aur Silver Allocate Karo

Simple rule (no overthinking):

• Total portfolio ka 10–20%

• Is mein:

  • 60–70% gold (stability)

  • 30–40% silver (future + upside)

Example:
Agar 10 lakh ka portfolio hai:

• 1–2 lakh gold/silver

• Us mein:

  • 70,000–1,40,000 gold

  • 30,000–60,000 silver

👉 Yeh “bet” nahi, insurance hai.

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STEP 5: Physical Lo, Paper Nahi

Yeh bohat important hai:

❌ ETFs
❌ Futures
❌ Digital gold (sirf number hota hai)

✅ Physical gold & silver

• Coins ya bars

• Reputed dealer se

• Bill ke sath

👉 Crisis mein paper claim kaam nahi aata.

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STEP 6: Storage Simple Rakho

Options:

• Home locker (basic security ke sath)

• Bank locker (partial reliance)

• Split storage (thora ghar, thora locker)

👉 Sab ek jagah mat rakho.

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STEP 7: Dheere Dheere Buy Karo

• Ek saath sab mat khareedo

• 3–6 mahine mein thora thora

• Price neeche aaye to ghabrana nahi

👉 Timing nahi, discipline jeet’ta hai.

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STEP 8: Noise Ignore Karo

Gold/silver lene ke baad:

• Roz price mat dekho

• News aur YouTube hype se door

• Har dip ya spike par reaction nahi

👉 Isko “set and forget” samjho.

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STEP 9: Galtiyan Jo Zaroor Avoid Karni Hain

❌ Leverage use karna
❌ Qarza le kar metal lena
❌ 100% silver ya gold mein jaana
❌ Short-term profit expect karna

👉 Yeh sab insurance ko gamble bana deta hai.

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STEP 10: Saal Mein Ek Daafa Review

• Allocation check karo

• Agar zyada ho gaya ho to rebalance

• Agar kam ho gaya ho to thora add

👉 Over-activity = loss.

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One-Line Final Rule

Gold aur silver wo cheez hain jo tab kaam aati hain
jab baqi cheezain kaam karna band kar deti hain.

Agar chaho to next main:

• Pakistan / India ke liye exact form (coin, bar, weight)

• kaun sa size lena behtar hai

• silver storage hacks

• new investor ke liye safest route

Bas batao, next step konsa chahiye 👍