Looking at Long-Term Data
When we look at long-term data of different countries, it clearly shows how different asset classes perform over many years. The data compares equity, debt, inflation, international equity, gold, and multi asset investing over a period of twenty years.

All values are taken in local currency to make the comparison fair and simple. This helps us understand how money grows and how risk changes over time.

India: Better Balance with Multi Asset
In India, inflation stayed close to six and a half percent over the last twenty years. Equity gave around eleven point seven percent return, while debt gave about seven point six percent. International equity returned close to nine point nine percent, and gold gave a strong return of fifteen point three percent. A multi asset approach gave about twelve point three percent return, slightly better than equity. The biggest gain was lower risk, as market ups and downs became almost half compared to pure equity.

Lower Risk Makes a Big Difference
Equity markets can move up and down very fast. In India, equity volatility was around twenty one percent. With a multi asset mix, this dropped to near eleven percent. This means the portfolio moved more smoothly over time. Returns improved and stress reduced at the same time. This is what many long-term investors want.

Another Market Example
In another major market, inflation was around two and a half percent. Equity returns were near eight point nine percent, while international equity returns were much lower. Gold still gave strong returns in dollar terms. A multi asset investor earned around seven point seven percent. The return was slightly lower than equity, but the risk dropped sharply from around nineteen percent to close to eleven percent.

China and Japan Show Similar Results
In China, equity returns were around eight point four percent, but multi asset investing increased this to nearly ten percent. In Japan, equity returns were very low at around three point seven percent. A multi asset approach improved this to about five point six percent. In both cases, risk was much lower than equity alone.

The Power of Diversification
The main lesson is simple. When assets are mixed properly, risk comes down and returns can improve over the long run. Equity, debt, gold, and global exposure together can create a smoother journey for investors. Multi asset investing helps reduce sharp ups and downs and gives a better chance of steady growth over time.