Sovereign Gold Bond Detailed Review || Are SGBs Worth It? || How To Invest In Gold?
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- Опубліковано 25 січ 2023
- Sovereign Gold Bond Detailed Review || Are SGBs Worth It? || How To Invest In Gold?
Sovereign Gold Bonds are being touted as the best option for investment in Gold. But that may not be entirely true - infact SGBs may be the worst ways to invest in Gold under certain conditions.
Watch this to understand the complete truth about Sovereign Gold Bonds and to understand who should and shouldn't invest in SGBs?
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Please understand the purpose of SGB and objectives and do not mislead the people who wants to invest in gold. It is good option for financial planning and investment in gold. Objective to investment in SGB was not for short term
Absolutely right 👍
It is a good investment opportunity.
In one of the video there was a comment which made me really laugh and that comment was " she never disappoint in disappointing us"
😂@@KabirBarkskins
Please understand the purpose why SGB is released, this is for long term investment, that’s why RBI is paying interest…. Please don’t misguide people
Yess you are right, video is quite misleading
Inflation rate is 6% approx and intrest is 2.5 % so now also it is good. Think again 🤔
@@sanskargupta475bro what about the increasing price of gold prices ?
@@sanskargupta475If you buy gold keep it in the locker you won't get 2.5% pa also.... This is a good option for people instead of buying gold items and by paying taxes.
@@sanskargupta475Atleast better than purchasing physical gold right
One info is not correct, you don't get back the principal,you get back the price of 1gm of gold at the prevailing rate when it is redeemed.Lets say you bought the gold at 5900 per GM and after 8years the price of gold is 7100 per GM.You will get 7100.
Hello Madam,
Very informative video you shared with us. I would like to know you that SGB's are very good investment who are planning to invest in long term as compared to physical gold.
But meaning of investment especially long term is that we are not going to sell it, in emergencies we need to use emergency funds instead - mostly purpose should be to hold for more than 5 years - but also gold ke prices primary market pe badhne se secondary mei bhi badhta hai so - waha pe bhi koi saste mei nahi bechega unless he doesn't have an emergency( with no emergency fund)
Views ke liye video bana diya bs
@@asurakengan7173 Sahi bola.
Absolutely correct
Emergency fund banana itna asan nahi hain
Sgb are much more liquid than this video claims, I own various tranches but have never felt trapped lol.
Thanks
How to buy sgb sir?
Try selling them I’m market rate 5600 you will get 5200
Agreed
@@coinmamba4408 how to buy sgb?
Thanks for sharing this information. But please let us what is approximate return on these bonds?
But if we are planning for more than 5 year investment in SGB instead of gold biscuits, what u say?
We can even mortgage our SGB against any loan, which is another benefit of SGB. Such a informative video, keep it up.
Upcoming SGB date is 6th-10th march.
Bank do not accept sgb as security against loan...i asked every branch manager in my state...they all said they do not have any direction regarding such lending from there superiors
@@sushantsaini9705 I had read it somewhere. not sure about what is actually happening. Thanks for your efforts :)
Sir, how to buy sgb?? I wanted to buy it
@@sayakrudra2079 March 6-10 new bond issue hoge tb purchase krna
How can we sell them after 5 years
All intelligent investing is value investing. Aquiring more that you are paying for. You must value the business in order to value the stock. - Charlie Munger
What if I don't want to sell it before 5 years, fo6r a long term investment perspective should I go with it?
Thanks sister for such a informatives videos🙏🙏🙏
Thanks for sharing very helpful information. Can you please guide how to redeem these bonds after 5 years. I had purchased it from my local SBI branch and now they are completely cluless. Any guidance will be highly appreciated!
apka rate kitna tha at the time of your purchase? and you must be reedeming it from rbi else you might not get the tax relief on capital gain.
8 years ke baad tax free hota hai
Reedem kaise karengey 5 or 8 years ke baad upstox se, plz help
Shall we buy SGB from the listed market or fresh listing by RBI for SIP?
If from the listed market, do we need to buy the same SGB every month or the SGB which has a low price? Please guide
So apart from the issue of liquidity everything is good with SGB and can be considered as one of the ideal product for long term investing?
Yes
SGB scheme is derived for long term investment whose maturity period is 8 years. It's the best way to invest in gold if you can hold them for 8 years.
Is there any difficulties to sell the bond after maturity.. ? Can I directly sell it to RBI?
SGB is best, How sells gold in india... so 5yr lock is best + u get additional 2.5%/yr. (12.5% above gold price after 5yrs)
One question :while selling after 5 years will we get the market value of gold?
What is the difference in selling after 5-6 years and selling after 8 years full tenure?
If i am ready for 5+ years investment, is it a good option rather than buying gold?
8 years investment is tax free .. If you sell gold bond before expiry you have to pay tax
You will get full price of gold as declared by RBI at 5 years , but you will have to pay tax on your profit !
Now if you hold till 8th year then no Tax , but after 8 years you cannot hold and you have to redeem money - so if gold price declined on that particular year you will be loser !
But considering 2.5% interest what RBI giving,
@@shambunampoothiri8112 yeah i understood, That 8 years restriction is not beneficial.
It would have been the best if they would remove the intrest for the SGBs and make it unlimited duration, which would never happen!
@@immanuel2677 This is a bond not a MF
@@immanuel2677 but dont forget gold etfs are taxed at 20% while bonds are tax free
That was super knowledge thanx
Then please let me know which gold investment is best??
It's very important to understand the context of an investment vehicle. Moment you invest in Gold through paper or dematerialised form, you defeat the very purpose of investment in this precious metal, no matter what form you choose. SGBs are crazy, good for those who wants to learn thier lessons a harder way.
plz explain ?
Said Sensible
Is there profit when we redeem the sgb after 8 years.....is it more than mutual funds??
What is the procedure of change of account , where half yearly interest of SGB is being credited. As the account is closed.
Sgb r good for gold collection for child marriage. In India gold still rocks in marriages u see
Very informative and helpful. Thanks a lot.
SUPERB.... Not many have talked about this point. Appreciate this channel.
Very raw analysis done... More research required mam on sgb..
Mam, you told us about negative or less return selling after aftr 5 years, you missed to tell us the benefits for selling after 8 years...please give complete information.
Like if we invest in SGB and redeem it after 5 years then we get profit (tax free) and tax on 2.5 % ? Please clear my doubt.
Please clarify me.. if I applied, is it necessary to get the sgb allotment or there is any limitations on issue size by the RBI. BECAUSE I Applied for 50 GM and didn't get the allotment
Very biased views….when I know beforehand that I am investing for atleast 5 years and more why would I want to sell it in the 1st place. Also if I am not sure for keeping it so long then ill think of something else. Thora ajeeb wala claims laga…..
Mam if I buy SGB from secondary market,where I see SGB certificate?
Hello, very informative thank you. I just need a suggestion that I want to invest 25 lakhs. But I am not sure that should I invest in physical 24 carat gold biscuit or SGB. I want it for long term like 20 to 25 years. Please suggest.
Okay here is it tricky , sgb is always better as no making charges, no stealing , security by RBI ... Problem is it's maximum period is 7 years... It means after 7 years you can't continue even if you want, RBI will pay you money , so you have to buy again after 7 years with increased gold price ,so yeah if 20 years go for physical and hide it in robinson cruso's Island 😂, but if 5-7 years then sgb
😂 you are just finding your way to present SGB in different style in front of us ,,
You are the best didi 😊.... Love you so much 🤗
Any cons after holding it for 5years?
50 rs. Discount is on only online purchase pf bonds..secondly captial gains tax is exempted if hold bonds till maturity ...so please rectify
Most Helful information which can save some people like me who are in rush to Buy SGBs and chances are we are forced to Sell them before 5 years if we need money in Emergency.Thanks
Do we need to invest every month
Or just we can invest 1 time and hold for 5yrs
Very informative. Thanks for the guidance!
One point which came to my mind while trying to understand SGB, do i need to pay any capital gain tax in case I buy SGB from the secondary market & hold it till maturity which may be less than 5 years from the point I buy the SGB from the secondary market.
No
Kya SGB me sip ke jaise invest kiya jata hai,aur agar Maine 1sgb 2023 aur 2sgb 2024 me kiya to kya dono ki maturity ak sath hogi ya alag alag.replay anyone
Hii ma'am kiya mobile se online account kholna sahi hoga plzzz reply me
Hi madam, I have invested in sgb through hdfc bank through netbanking, and I have received gold bond certificate through email. After 8 years, Do i need to sell in the secondary market or will amount directly credited into my bank account after 8 years?
Amount credited in your account after 8 years.
Secondary market se agar hum sgb khreedein to interest issue price pe milta rahega ya current price pe?
You get interest on the face value of SGB and not on current value. Check the calculation done. Search rahul jain SGB, it's explained with excel calculation. It's good. I think in secondary market, you get old SGB in nearly same today's SGB price and less maturity like 3yrs which is good. No?
Misguided video, I have SGB and the purpose of holding it is not to sell before 5 years at any cost . Why would anyone buy sgb if he has to sell it before Maturity
Hi, whether interest recd under SGB is taxable?
Yes
@@Deepvlogs7099 thanks
Please tell how to change sgb linked bank account, I have purchased through groww app
So even after waiting 5 years in SGBs..I have to wait another 6 months to sell ?
Let's look at the points given one by one -
Low liquidity so higher probability of losses - first thing from practical perspective is common man don't buy gold to do speculative trading or because they have to sell it. They buy it for their children marriage or for unforseen circumstances or just as an investment which they can do year on year. Informed investors buy it as an inflation hedge and it doesn't form more then 3-5% of their portfolio. But assuming a person has emergency common man will first go for gold loan rather then selling his gold. Same can be done with sgb where he can avail loan against his security and that too at lower cost as it doesn't involve physical storage. So liquidity problem of exchange is applicable only if you have purchased for speculative purpose. Also there are arbitrage funds and quant funds who are looking at inefficiencies in pricing of these bonds. So any huge pricing difference between bid and ask is taken away by those players quickly.
Second - large numbers of bond issue or rbi issuing bonds every month - any smart person would rather welcome this thing rather then running away from it. Rbi issuing bonds during rising gold prices provide better opportunities for informed investors. For example bonds issued at 70000 gold level will have face value of roughly 7000. So if after 2 years gold prices decline to say 50000 current prices will move to 5000. You can do unit averaging over your gold bonds just like physical gold. But the added advantage is that you will still be getting 2.5% interest on initial 7000 face value. So you will be earning basically 3.5% on your investment as well as any capital appreciation that will happen. By no what the points served as drawbacks of sgb are it's drawback. Infact for savvy investor they are boon.
Dear sister, I think you have created misleading content here. And it's not release every month , please take correct detail before explaining things to number of audiance
Do you have any guidance on how to proceed with a death claim for SGB? I've reached out to the branch manager, but the response has been inadequate. Any advice would be appreciated.
Death certificate with your family proof like rashna card. In case of inappropriate response you can go to vakil sahab.
Could anyone share one's experience of getting total।return on SGB?
Mam, 6th March I was going to buy Sgb the IV series through Zerodha coin so one unit of Sgb is showing 5560 (why rate is high)today’s gold rate is around 5150 for one gram it’s around 400 rupees more than the actual rate for the sgb then what’s the benefit of buy so
Please advise 🙏
You could have seen 22k price, 24k is around ~5560
(so Sgb issue 24k gold )Thanks for the information
Whether Phonepe digital gold sip is good to start?
After 8 years, how to redeem them? How money is transferred to account?
Direct to your account which you give while taking SGB
Is It Auto Redeem Or We have to do some process?
@@sumitd4uauto redeem
BEAUTY WITH BRAIN...TOO GOOD REALLY...LOVE YOU...
The discount/rebate of rs.50 per gm is applicable only if one buys directly online and with a demat account. If you buy thru post office/ designated bank, you don't get this discount.
Sgb khride knha se ye to batao
Sgb ke lie best platform konsa h
First off all ,
I am your Big fann ..... unexpected .....jabra fan ......❤🔥😎
apppp please mujhe bataye ki app kis bank me account ha taki me v usi bank me account khol saku plzzzzzz bataye .... plz ....
BIG FAN....💌🔥
PLEASE DON'T IGNORE MY COMMENT 😢
Is there any other way to invest in gold, where our entry and exit charges are low and to buy the gold as per our suitability?
Physical gold is best coz easily get 10% annual return..if you keep it in brick form.. Not making jewellery..
5 to 10 % discount pe purchase kar ke 8 years tak hold kare to best option hai? what do you say?
Mam,
Swing trading oppertunaty gulluck smallcase ko agar briefly samjha denge to helpfull rahung...
Kya smallcase ka koi castomer care number nehi hai kya...
We will try to cover this in our future videos.
Thank you mam....!!
If I buy gold sgb from any institution can I convert into gold coins
I have one query ,
Suppose today the market rate of gold is 50k per 10gm and i bought the sgb at that rate
And after 5 years the gold rose above to 70k per 10gk
So will i be getting the money according to new rates or the old rate in which i bought ?
New rates
Yeah but it can fall down also!
@@onceajordan never happened since 1964 check the gold prices of different year's..!!
@@AmarSingh-vo7py you are right, but it has been at 0% for a decade in 90s, that part you ignored?
Moreover you are forced to sell irrespective of cyclical nature of market.
Annual int 2.5 ℅ kaha directly bank ac me every year credit hoga ya
After 5 yrs sgb ke selling price me include hoke milega ?
I heard it's paid on 6 months interval
Account mai aata hai
Annual interest of2.5% is credited directly into your bank account at an interval of 6 months. However the interest paid is SIMPLE interest not COMPOUNDING .Which means if you have buyed gold bond worth rs.100000, rs 2500 will be credited into your bank account every year it will not increase.
@@amythizationagar kalko mera 1L ka investment 1.5L ka hogya toh interest 1.5l ke hisab se milega ya 1L ke hisab se?
Baba, thoda to mehnat karna padega. Smart buyer naye issue ka wait karne se jyada secondary market prefer kar rahe the till now. Because jo issues 5300 ke the wo 4700/5000 me mil rahe the unme 2.5% ka interest to 5300 ke hisab se tha. Yes now maybe it could be wiser when this difference will be minimal or imbalanced. And also, this is not emergency funds so long term invest karna hai to hi this makes sense every investor must be aware of it. Also, to minimise this there is way, u should go ahead with comparatively most liquid issue (till now it was SGBAUG28V) and u may need to shift ur capital in another issue as per the first point of the comment. Anyways, I like your content very much as it have in depth analysis of many financial subjects. Yes this one was not upto the mark. Nice work though👍🏻.
Bro if we buy Sgu from secondary market than how will the 2.5% interest will be given to us.
2:40 Gold mutual funds attract a much greater expense ratio since they invest in gold ETFs, i.e. expense ratio of gold MF + expense ratio of gold ETF, which makes gold MF costlier than gold ETFs. So they are not really better than ETFs.
Also, 3:25 if you liquidate your SGB after 5 years then you DO NEED TO pay capital gains tax. Gains are tax free only after 8 years.
You misguided ppl on both occasions here.
What if we buy from sec. Market at discounted rate????
Hum apna personal gold bhi sgb mai invest kar sakte h kya
Can you please make a video on gulak+ vs SGB ?
It not worth buying this Gold bonds. Biggest drawback is we can't redeem physical gold bar after maturity from RBI. Only live rate getting worthless at maturity
Physical gold can use for wearing while digital is not use.
First thing.. SGB are not stocks and not ment for trading. They are for long term investment.
Second physical gold, gold etf, digital gold everywhere you have to sell with some discount so sgb are far better than any of these.
How much amount will I get after 8 years if invested 5000rs
Instead of giving making charges , gst and locker charge for gold . One should go for SGB
I am looking to invest for my daughter who is 3 months old ..I want to invest for minimum 15 years so in that case sgbs will not work due to risk of reinvesting after 8 years so can I purchase gold coin or biscuit ?
keep it for 8 years and then take money and buy gold than saving gold for 15 years.
A dedicated video on gold mutual funds. Please
Sure, we will try to cover this in our future videos.
Taxation should also have been included for complete clarity
How can I apply or buy this bond?
Is buying gold from gullak is good option versus buying gold from sgb
Govt brought SGB to reduce the import bill on gold as govt. had to let go a lot of dollars from their hands .....
Investment by people on physical gold does not participate in development of economy, that's another reason for bringing this .
Atleast govt. Is giving some interest on it .....
So then what is the best way to invest in gold
Ma'am interest principal amount pe milta hai ya fir compound pe milta hai?
I mean agr maine aaj 50000 ka gold lia to 50000 pe 2.5% har year milega ya fir current year ke rates ke hisab se interest milega. Like next year mano ki gold ki value 5000 badh gayi to fir us 5000 pe bhi interest milega kya?
Principal amount
@@arpitadasgupta8251 thanks
someone who had never bought a SGB or sold it giving expert advice on it, because its very difficult, nothing is easy when it comes to make money without doing a shit.
Very 👍 good, beauty with brain.👍
What is Gold ETF please explain
Didi i have some money i want to fix it plz give me suggestions
Taxes kitna hoga kitne saal me?
Kya agar 5 yr ke baad bechenge to tax kitna lagega
So what profit i'll make after 5 years?
Can you please make video on upcoming sgb 2024 series 4
Thanks
She is not even having all the benefits of holding sgb till their maturity and just confusing other innocent investors 😂😂 I just feel sorry for her
She has done half baked research. I have been investing in SGB for long time. Lot of it purchased from secondry market as well with marginal discounts. It is meant to be a long term asset and it is giving very good returns without risk.
@@DurgeshSharma-oz2xb and major benefit is when the maturity of 29 serial will come , at maturity price will be equal to actual market price of gold
WHEN ANNUAL INTEREST IS CREDITED ??
I want to invest 5000 every month in gold can i do it with sgb and is it worth it?
How can we sell after 5 years
Don’t put any mislead thumbnails just for views..
Spitting truth. Subscribed