1. A longer investment horizon curtails the chances of negative returns. If someone had invested in NIFTY 50 for 10 more years, he would not have received a negative return.
2. For a ten-year investment period, the average return is 11.77% (CAGR).
3. A 15-year investment period provides the best average return of 12.39% (CAGR).

• Economic Recovery: India’s forex reserves have grown from less than $2 billion during the 1991 crisis to over $600 billion in 2023, showcasing a remarkable transformation.
• Import Coverage: Reserves now comfortably cover 6–7 months of imports, reflecting India’s ability to manage trade dependencies despite rising import bills.
• Global Standing: India ranks among the top nations in forex reserves, trailing major economies like China and Japan, but surpassing several developed economies.
• Resilience Amid Crises: The reserves have provided a buffer during global events like the 2008 financial crisis and the COVID-19 pandemic.
• Policy Focus: Continued diversification of reserves and reduced import dependency remain critical for sustaining stability and economic growth.

Large-cap mutual funds, known for stability and long-term growth, have faced recent challenges, with returns dipping between -7.6% and -11.45%. This trend reflects broader market pressures, even affecting top-performing funds. Understanding these movements can guide investors in identifying resilient options and leveraging potential recovery opportunities in a dynamic market environment.