Every year, the festival of Dhanteras heralds the start of the larger Diwali festivities. For many, it’s a day to buy gold, new utensils, or invest in home improvements — but from a financial planning perspective, there’s more to it than just symbolic purchases. At Vizzve Finance, we believe Dhanteras is a great moment to combine tradition with strategic financial actions.
1. Why Dhanteras Matters for Your Finances
The word “Dhanteras” stems from Dhan (wealth) and Teras (13th), making it the day for invoking prosperity.
Traditionally, buying assets on Dhanteras is believed to bring lasting wealth. Translating that into modern finance, it means making asset-buying decisions aligned with long-term goals.
With inflation, evolving asset classes and digital finance, Dhanteras 2025 presents us an opportunity to update our financial habits and revisit wealth portfolios.
2. Smart Asset Choices: What to Buy and What to Consider
Gold & Precious Metals
Gold remains popular on Dhanteras. While its emotional appeal is strong, view it also as a portfolio hedge rather than pure speculation.
Tip: Consider if you’re buying physical gold, gold ETFs or sovereign gold bonds. Each has cost, liquidity and tax-treatment implications.
Vizzve Finance suggests: Don’t invest all your available funds just because it’s a festival day. Align the purchase with your broader portfolio – perhaps maintain your allocation in the recommended range (for example 5-10% of overall investments) as part of diversification.
Home & Durable Goods
Buying home appliances, electronics or furniture are common Dhanteras purchases. Financially, ensure you’re not borrowing micro-credit at high interest just for the purchase.
If the purchase improves home value or productivity (e.g., solar panels, inverter), consider it as a semi-investment rather than pure consumption.
Other Investment Moves
If you’ve been delaying increasing your systematic investment plan (SIP) in equities or starting a new one, Dhanteras can be a symbolic trigger to review or boost it.
Use the festival mood to check insurance coverages (health, term, asset) and ensure you’re not under-insured.
3. Risk, Liquidity & Timing: Financial Reality Check
Liquidity matters: Don’t lock up all your cash because you want to “celebrate wealth”. Keep an emergency fund intact before large purchases.
Avoid high-interest debt: If you use credit cards or instant loans for festival buying, aim to pay them off quickly; carrying high-interest balances undermines long-term wealth.
Timing vs Value: Buying an asset because of the festival may mean prices are already inflated. Compare across months or wait for a decent deal rather than assuming Dhanteras always means “right price”.
4. Portfolio Checklist for Dhanteras 2025
Review asset allocation: Are you overweight in one asset class?
Rebalance: If one category (say equities) has surged, it may be time to book profits and move into other assets (could be debt or gold).
Insurance & Will: Ensure insurance policies are renewed and estate planning is up-to-date.
Tax planning: If you make large purchases or investments, think of year-end tax implications.
Keep documentation: For large physical asset purchases (gold, home goods), keep bills and warranties — handy for future sale, insurance or tax records.
5. FAQ – Dhanteras & Financial Planning
Q1: Is it always best to buy gold on Dhanteras?
A1: Not necessarily. It can be a good time, but more important is whether the purchase fits your budget, asset allocation and uses cost-effective options.
Q2: Should I borrow money to make big purchases on this day?
A2: Ideally no. Borrowing at high interest defeats the purpose of “wealth creation”. Use existing funds or savings.
Q3: Can I start or increase my SIPs on Dhanteras?
A3: Yes — using the festival as a “start trigger” can be psychologically helpful, but the focus should be long-term consistency rather than timing.
Q4: What tax considerations should I keep in mind?
A4: Physical gold may invite wealth tax implications (depending on jurisdiction) or capital gains tax on resale; financial instruments have their own tax rules. Document everything.
Q5: How do I evaluate a good purchase deal?
A5: Compare current prices (gold, electronics) with recent past, check seller credibility, ensure warranty, and avoid impulse buying.
Final Thought
This Dhanteras, let the festival of lights also ignite a festival of financial wisdom. Whether you buy gold, upgrade your home, or review your investments, let each decision reflect purpose, affordability and long-term alignment. At Vizzve Finance, our priority is smartness over spectacle — celebrating today, planning for tomorrow.
Happy Dhanteras and wise investing!
Published on : 18th October
Published by : SMITA
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