{"id":341718,"date":"2026-11-06T11:53:41","date_gmt":"2026-11-06T06:23:41","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=341718"},"modified":"2026-11-06T11:53:41","modified_gmt":"2026-11-06T06:23:41","slug":"dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/","title":{"rendered":"Dhanteras Investment Strategy 2026: How Much Gold, Silver and Equity Experts Suggest, and Why Asset Allocation Matters More Than Timing the Bottom"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Experts quoted: gold 5%-15% (range 5%-25%), silver 2%-3%. Gold about 22% below the 29 Jan 2026 record. Avoid one big lump sum. Press reports.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">A Dhanteras investment strategy for 2026 starts with asset allocation, not a purchase. Experts quoted by the press suggest about 5% to 15% of a portfolio in gold, a smaller share in silver and most fresh money in equities. Gold is about 22% below its January peak, and experts warn against one big lump sum.<\/p>\n<\/p><\/div>\n<p>A <strong>Dhanteras investment strategy<\/strong> for 2026 is less about buying a coin and more about <strong>asset allocation<\/strong>: how much of your money sits in gold, silver, stocks and safer assets. The press has quoted several experts with different ranges, which this article sets side by side with a simple worked example. It is general information and not advice for your situation.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=discover\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Where_Gold_and_Silver_Stand_Before_Dhanteras\" title=\"Where Gold and Silver Stand Before Dhanteras\">Where Gold and Silver Stand Before Dhanteras<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Dhanteras_Investment_Strategy_What_Experts_Suggest\" title=\"Dhanteras Investment Strategy: What Experts Suggest\">Dhanteras Investment Strategy: What Experts Suggest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Asset_Allocation_A_Worked_Example\" title=\"Asset Allocation: A Worked Example\">Asset Allocation: A Worked Example<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Avoid_One_Big_Lump_Sum\" title=\"Avoid One Big Lump Sum\">Avoid One Big Lump Sum<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Ways_to_Hold_Each_Asset\" title=\"Ways to Hold Each Asset\">Ways to Hold Each Asset<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Common_Mistakes_on_Dhanteras\" title=\"Common Mistakes on Dhanteras\">Common Mistakes on Dhanteras<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Frequently_Asked_Questions_on_Dhanteras_Investment_Strategy\" title=\"Frequently Asked Questions on Dhanteras Investment Strategy\">Frequently Asked Questions on Dhanteras Investment Strategy<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#How_much_of_my_portfolio_should_be_in_gold_on_Dhanteras\" title=\"How much of my portfolio should be in gold on Dhanteras?\">How much of my portfolio should be in gold on Dhanteras?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Should_I_buy_silver_as_well_as_gold\" title=\"Should I buy silver as well as gold?\">Should I buy silver as well as gold?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Is_it_better_to_invest_in_stocks_than_gold\" title=\"Is it better to invest in stocks than gold?\">Is it better to invest in stocks than gold?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Should_I_invest_a_lump_sum_on_Dhanteras\" title=\"Should I invest a lump sum on Dhanteras?\">Should I invest a lump sum on Dhanteras?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#What_is_asset_allocation\" title=\"What is asset allocation?\">What is asset allocation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Is_gold_a_good_investment_after_a_20_fall\" title=\"Is gold a good investment after a 20% fall?\">Is gold a good investment after a 20% fall?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Which_equity_funds_did_experts_mention\" title=\"Which equity funds did experts mention?\">Which equity funds did experts mention?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/dhanteras-investment-strategy-2026-gold-silver-stocks-asset-allocation-expert-views-percentage\/#Is_a_Dhanteras_purchase_worth_it_for_tradition\" title=\"Is a Dhanteras purchase worth it for tradition?\">Is a Dhanteras purchase worth it for tradition?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Where_Gold_and_Silver_Stand_Before_Dhanteras\"><\/span><strong>Where Gold and Silver Stand Before Dhanteras<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Metal<\/th>\n<th>Position<\/th>\n<th>Source note<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Gold<\/td>\n<td>Nearly Rs 40,000, or about 22%, below the record Rs 1,80,779 on 29 January 2026<\/td>\n<td>Outlook Money; benchmark rates differ by source<\/td>\n<\/tr>\n<tr>\n<td>Gold, MCX December<\/td>\n<td>Traded near Rs 1,42,450 per 10 grams on 6 November<\/td>\n<td>Business Standard<\/td>\n<\/tr>\n<tr>\n<td>Silver<\/td>\n<td>More than 55% below its January peak, per one expert; MCX near Rs 1,84,000 per kg on 6 November<\/td>\n<td>TradingView and Business Standard<\/td>\n<\/tr>\n<tr>\n<td>Equities<\/td>\n<td>The Nifty 50 was down over 10% for the year in one report before this week&#8217;s rally<\/td>\n<td>Outlook Money<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Peaks differ by source because retail, MCX and global quotes use different bases, so compare like with like. The point is that both metals are far below their January highs, and equities have rebounded sharply this week.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dhanteras_Investment_Strategy_What_Experts_Suggest\"><\/span><strong>Dhanteras Investment Strategy: What Experts Suggest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Expert or source<\/th>\n<th>Gold<\/th>\n<th>Silver<\/th>\n<th>Other advice<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Business Standard expert<\/td>\n<td>5% to 10%<\/td>\n<td>2% to 3%<\/td>\n<td>Gold and silver as part of a diversified mix<\/td>\n<\/tr>\n<tr>\n<td>Sahi&#8217;s Gaurav Arora<\/td>\n<td>8% to 10% in gold and silver together<\/td>\n<td>Included<\/td>\n<td>Split between the two<\/td>\n<\/tr>\n<tr>\n<td>Outlook Money experts<\/td>\n<td>10% to 15%<\/td>\n<td>Not specified<\/td>\n<td>Larger share of fresh money to equities; flexi-cap and large-cap funds over mid and small caps<\/td>\n<\/tr>\n<tr>\n<td>Ayush Verma (Observer Voice)<\/td>\n<td>5% to 15%<\/td>\n<td>Not specified<\/td>\n<td>Range for gold<\/td>\n<\/tr>\n<tr>\n<td>Adhil Shetty (Observer Voice)<\/td>\n<td>5% to 10%<\/td>\n<td>Not specified<\/td>\n<td>Range for gold<\/td>\n<\/tr>\n<tr>\n<td>Hetal Vakil Valia (Observer Voice)<\/td>\n<td>10% to 25%<\/td>\n<td>Not specified<\/td>\n<td>Spend 40% to 50% of the planned budget now and keep the rest liquid<\/td>\n<\/tr>\n<tr>\n<td>UTI AMC&#8217;s Sharwan Goyal<\/td>\n<td>Part of a diversified mix<\/td>\n<td>Part of a diversified mix<\/td>\n<td>Avoid a large lump sum to time the bottom<\/td>\n<\/tr>\n<tr>\n<td>Narvekar (TradingView)<\/td>\n<td>Core holding<\/td>\n<td>Smaller position<\/td>\n<td>Silver is more volatile<\/td>\n<\/tr>\n<tr>\n<td>360 ONE&#8217;s Rahul Khetawat<\/td>\n<td>Preferred over silver now<\/td>\n<td>Less preferred<\/td>\n<td>One expert does not favour strategic silver<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Ranges are wide, from about 5% to 25%, because investors differ in age, goals and risk tolerance. The common ground is to treat gold as a diversifier and avoid concentrating on one metal. Several experts also tilt fresh money toward equities for long-term growth.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Asset_Allocation_A_Worked_Example\"><\/span><strong>Asset Allocation: A Worked Example<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Portfolio<\/th>\n<th>10% gold<\/th>\n<th>2% to 3% silver<\/th>\n<th>Remaining<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Rs 10 lakh<\/td>\n<td>Rs 1 lakh<\/td>\n<td>Rs 20,000 to Rs 30,000<\/td>\n<td>Rs 8.70 lakh to Rs 8.80 lakh in equities, debt and cash<\/td>\n<\/tr>\n<tr>\n<td>Rs 25 lakh<\/td>\n<td>Rs 2.5 lakh<\/td>\n<td>Rs 50,000 to Rs 75,000<\/td>\n<td>Rs 21.75 lakh to Rs 22 lakh in other assets<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This is illustrative arithmetic using the ranges experts quoted, not a recommended split. Your own plan depends on your age, income, liabilities, emergency fund and goals. If gold has already grown beyond your target share, rebalancing means trimming it, not adding more.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Build and track a diversified watchlist on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Avoid_One_Big_Lump_Sum\"><\/span><strong>Avoid One Big Lump Sum<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Approach<\/th>\n<th>How it works<\/th>\n<th>Trade-off<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Staggered buying<\/td>\n<td>Buy in parts over weeks or months<\/td>\n<td>Reduces the risk of a single bad entry, but may miss a quick rebound<\/td>\n<\/tr>\n<tr>\n<td>Festival tranche<\/td>\n<td>Buy part now on Dhanteras and keep the rest liquid<\/td>\n<td>Keeps cash for dips; needs discipline<\/td>\n<\/tr>\n<tr>\n<td>Monthly investing<\/td>\n<td>Invest a fixed amount every month<\/td>\n<td>Builds the habit; returns still vary<\/td>\n<\/tr>\n<tr>\n<td>Lump sum<\/td>\n<td>Invest all at once<\/td>\n<td>Simple, but exposes you to timing risk<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>UTI AMC&#8217;s Sharwan Goyal said investors should avoid large lump sums in an attempt to time the bottom. Gold fell roughly a fifth from its peak and bounced hard this week, which shows how difficult it is to pick the low.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ways_to_Hold_Each_Asset\"><\/span><strong>Ways to Hold Each Asset<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Asset<\/th>\n<th>Common routes<\/th>\n<th>Points to check<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Gold<\/td>\n<td>Gold ETF, jewellery, coins<\/td>\n<td>Expense ratio, making charges, purity and resale terms<\/td>\n<\/tr>\n<tr>\n<td>Silver<\/td>\n<td>Silver ETF, coins, bars<\/td>\n<td>Silver is more volatile than gold<\/td>\n<\/tr>\n<tr>\n<td>Equity<\/td>\n<td>Index funds, flexi-cap and large-cap funds, direct stocks; track the <a href=\"https:\/\/univest.in\/indices\/nifty-50\/nifty-50-share-price-today\">Nifty 50<\/a><\/td>\n<td>Time horizon, volatility and costs<\/td>\n<\/tr>\n<tr>\n<td>Cash and debt<\/td>\n<td>Savings, liquid funds, fixed deposits<\/td>\n<td>Emergency fund and near-term goals<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Our gold ETF guide for Dhanteras covers costs, and our gold price prediction article covers the Axis Direct forecast. A Dhanteras purchase made for tradition is separate from a portfolio decision, and it is fine to keep the two apart.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_Mistakes_on_Dhanteras\"><\/span><strong>Common Mistakes on Dhanteras<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Mistake<\/th>\n<th>Why it hurts<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Buying only because it is an auspicious day<\/td>\n<td>The price may not suit your plan<\/td>\n<\/tr>\n<tr>\n<td>Ignoring making charges<\/td>\n<td>Jewellery can cost more than the metal value<\/td>\n<\/tr>\n<tr>\n<td>Putting everything in one metal<\/td>\n<td>Concentration raises risk<\/td>\n<\/tr>\n<tr>\n<td>Skipping the emergency fund<\/td>\n<td>A short-term need can force a sale at a bad time<\/td>\n<\/tr>\n<tr>\n<td>Chasing last week&#8217;s rally<\/td>\n<td>Late entry raises your cost and your risk<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track your portfolio on your phone.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A sound <strong>Dhanteras investment strategy<\/strong> begins with <strong>asset allocation<\/strong>. Decide the share for gold and silver, buy in stages, keep an emergency fund and let equities carry the long-term growth share that suits your horizon.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_on_Dhanteras_Investment_Strategy\"><\/span><strong>Frequently Asked Questions on Dhanteras Investment Strategy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"How_much_of_my_portfolio_should_be_in_gold_on_Dhanteras\"><\/span><strong>How much of my portfolio should be in gold on Dhanteras?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Experts quoted in the press give ranges from about 5% to 25%, with many near 5% to 15%. The right share depends on your age, goals and risk tolerance. Univest cannot set it for you; a SEBI-registered adviser can.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_buy_silver_as_well_as_gold\"><\/span><strong>Should I buy silver as well as gold?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Some experts suggest a small silver share, such as 2% to 3%, while another does not favour strategic silver. Silver is more volatile than gold and fell more than 55% from its January peak, per one expert, so size any position carefully.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_it_better_to_invest_in_stocks_than_gold\"><\/span><strong>Is it better to invest in stocks than gold?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> They serve different roles. Equities aim for long-term growth but are volatile, while gold is a diversifier that can also fall. Outlook Money&#x27;s experts suggested a larger share of fresh money to equities, but your mix should fit your horizon.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_invest_a_lump_sum_on_Dhanteras\"><\/span><strong>Should I invest a lump sum on Dhanteras?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> UTI AMC&#x27;s Sharwan Goyal advised against large lump sums to time the bottom. Options include buying in tranches, as Hetal Vakil Valia suggested with 40% to 50% of the planned budget now, or investing monthly.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_asset_allocation\"><\/span><strong>What is asset allocation?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Asset allocation is how you divide money among assets such as equities, gold, silver, debt and cash. It matters because assets behave differently, and your mix drives much of your portfolio&#x27;s risk.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_gold_a_good_investment_after_a_20_fall\"><\/span><strong>Is gold a good investment after a 20% fall?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Gold has fallen about 22% from its January record, but a fall does not guarantee a rebound. It can stay low or fall further. Treat gold as a diversifier with a defined share of the portfolio.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_equity_funds_did_experts_mention\"><\/span><strong>Which equity funds did experts mention?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Outlook Money&#x27;s experts preferred flexi-cap and large-cap funds over mid and small caps in the current climate. This is a general view and not a recommendation of any fund.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_a_Dhanteras_purchase_worth_it_for_tradition\"><\/span><strong>Is a Dhanteras purchase worth it for tradition?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Many families buy a small coin or jewellery for tradition, and that can be separate from portfolio decisions. Keep the amount affordable and know the making charges, purity and resale terms.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How much of my portfolio should be in gold on Dhanteras?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Experts quoted in the press give ranges from about 5% to 25%, with many near 5% to 15%. The right share depends on your age, goals and risk tolerance. Univest cannot set it for you; a SEBI-registered adviser can.\"}},{\"@type\":\"Question\",\"name\":\"Should I buy silver as well as gold?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Some experts suggest a small silver share, such as 2% to 3%, while another does not favour strategic silver. Silver is more volatile than gold and fell more than 55% from its January peak, per one expert, so size any position carefully.\"}},{\"@type\":\"Question\",\"name\":\"Is it better to invest in stocks than gold?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"They serve different roles. Equities aim for long-term growth but are volatile, while gold is a diversifier that can also fall. 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Keep the amount affordable and know the making charges, purity and resale terms.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Dhanteras investment strategy 2026: expert ranges for gold, silver and equity and why asset allocation matters.<\/p>\n","protected":false},"author":38,"featured_media":341717,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1002],"tags":[7828,21159,21160,4003,21161,21162,5764],"class_list":["post-341718","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisory","tag-asset-allocation","tag-dhanteras-investment-strategy","tag-equity","tag-gold","tag-lump-sum","tag-rebalancing","tag-silver"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["341717"],"rank_math_title":["Dhanteras Investment Strategy: Asset Allocation Guide"],"rank_math_description":["Dhanteras investment strategy for 2026: how much gold, silver and equity experts suggest and why asset allocation beats timing the bottom."],"rank_math_focus_keyword":["Dhanteras investment strategy"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/11\/dhanteras-investment-strategy-2026-how-much-gold-silver-and-equity-experts.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/341718","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=341718"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/341718\/revisions"}],"predecessor-version":[{"id":341719,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/341718\/revisions\/341719"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/341717"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=341718"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=341718"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=341718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}