u/ImpossibleTower99

I know gold is relatively stable, but silver can be much more volatile and cyclical. Since this fund is almost equally split between gold and silver, I’m curious whether it makes sense for long-term investing through SIPs.

For context, this would only be a small part of my overall portfolio.

Would you consider this a good diversification asset, or is it better to stick with pure gold exposure instead? Would love to hear your thoughts and experiences.

I started investing in the Motilal Oswal Nifty Microcap 250 Index Fund around launch time and currently have around ₹15k invested. The fund has shown ~20% growth from launch, but my personal returns are almost flat/slightly negative because of market volatility and my entry timing.

Since this is a microcap index fund, I understand the risk and volatility are expected, but I’m confused whether it still makes sense to continue holding it for the long term or exit and move the money elsewhere.

My investment horizon is long term (10+ years), and I can tolerate volatility, but I’d like to hear different opinions from experienced investors here.