BEST way to invest in GOLD | Physical Gold vs. Digital Gold vs. Gold ETF vs. SGB
Вставка
- Опубліковано 7 лют 2025
- Do you want to know how to buy gold other than jewelry? How to make wise investment decisions on Gold?
This video explains the different ways to buy gold in India. It also explains the advantages and disadvantages of each method. we have made a detailed comparison of all the methods to help you make gold investment choices.
We have compared each type of investment based on ease of access, Liquidity, risks, cost, GST, wastages, Spread and income tax.
PHYSICAL GOLD vs DIGITAL GOLD vs SOVEREIGN GOLD BOND vs GOLD ETF vs GOLD FUNDS
1) Physical gold (Gold Jewelry): Gold jewelry comes with a host of charges such as wastage, making charges and 3% GST, that can add up to 15%-25%. So, if you are spending Rs 1 Lakh in Jewelry, you get only 22Karat(or less) gold that is worth ~ Rs 75K to Rs 85K
2) Physical gold (Gold coins and bars): The wastages and making charges are much lower than gold jewelry, but it is still a considerable amount (2% to even 10%). We need to pay 10% GST for coins and bars.
3) Digital Gold: It helps you to buy even is very small quantities via Gpay, Paytm etc. It doesn't have a risk of theft as these are stored in safe vaults of the companies that sell digital gold. Digital gold also comes with some charges such as spread (3%), making charges if converted to coins and 3% GST.
4) Gold ETF: With a Demat account, you can purchase gold ETF from stock market. There is no risk of theft, No GST. However, there is a small expense ratio ( less than 1% per year) that needs to be paid. LTCG and STCG applicable
5) Gold mutual funds: if you want to invest in SIP, gold mutual funds provide a good option. However, it has higher expense ratio making it costlier than Gold ETF. LTCG and STCG applicable.
6) Sovereign Gold Bonds: Issued by RBI on behalf of Govt of India, it is one of the safest routes to invest. There is a a maturity period of 8 years, but can be redeemed after 5 years or can be sold in stock market before 5 years. Additionally it gives ~2.5% simple interest on invested amount every year.
Subscribe to our channel: 10 minutes in Tamil
Gold in Tamil
Gold investment
Gold investment in tamil
Tips to buy Gold
Physical Gold
Digital Gold
Sovereign Gold Bond
Gold ETF
Gold Mutual Funds
Gold funds
Thangam
Mudhaleedu
Gold coin
Gold bar
Gold Bullion
தங்கத்தில் முதலீடு செய்ய 6 வழிகள்
Thanks for the detailed research and presentation. I am not buying digital gold anymore.
Why you will not buy digital gold sir?
Any reason
Why sir ?
You are posted Simple and detailed video I got cleared my doubts in this video. Thank u
Thanks for the detailed explanation
Really awesome research and presentation❤ So I am your new subscriber
Thanks and welcome
I did these calculations and bought sgp on 2020 pandemic time. 😂😂 Getting the expected return perfectly apart from.my stock market investment
Bro its a gud workout, one point i want to add , since the liquidity is the only issue for SGB we can buy it in secondary market ie. Thru demat when ever the price drops particularly when stocks boomup.
Good explanation example was useful
Direct Tax Code pathi video podunga bro
Awesome as always!!!!
Thank you! Cheers!
Please make video about investing in gold mining companies.
Bro new tax slabs pathi videos podunga
Great bro
Awesome
Well explained Keep it up
Mass work brother 👏👏👏
Thank you very much
Gold ETF and Gold Bond la expense ratio naama vangumpothu ulla value la irunthu kalichuttu meethi ulla value ku thana vanga mudiyum. From your example 100000 ku bond vanguna 0.80% expense ratio iruntha nammalala 99200 ku thana vangirukkavae mudiyum. So initial amount la yae kuraikkama mature amount la kurachu irukkinganu ennoda thought.
Exp ratio is a year on year deduction. It is not deducted at the time of purchase, it is deducted on a daily basis from the NAV.
Great Work 👍
Thank you! Cheers!
Sir IT new tax regime calculator post panunga
I appreciate the efforts in making this video. But Gold is as volatile as the Nifty Index and for your information kindly look at the Gold returns during the window of September 2011 to February 2024 the returns are anywhere between -ve to +ve 50% absolute returns depending on when you have invested. Investing in gold is best because you can use it in tough situations to get a quick loan or to liquidate. So in my POV gold should not be considered for gaining returns from it, instead it should be considered as an hedge against bad economic conditions.
Gold is definitely less volatile than equity.. hence it is definitely needed in portfolio for capital protection..
This video is abt comparison of different ways to buy gold.. not to promote gold over equity or others.. and vice versa.
@@thinkingtamizha007 Nope factually you're wrong. Kindly take the standard deviation of both Nifty50 and Gold, analyse it, you will come to know both are similar in terms of volatility.
There is an in-depth article on the same by Pattu sir's freefincal website. look into it.
Gold shop la ex thangamyil la digital gold vagauna nega solra risk eruka?
It will also have gst.. i dont know if there will be spread.. if u want to buy electronically, better choose etc/mf/sgb
Investing on gold etf will target capital fain tax of 12 per on selling, so its not like gold etf are better than physical gold. No finanxial influencers dont say on this...like your channnel
Oh!! Physical gold doesnt have ltcg?
It seems, SGB is going to be discontinued as it is a loss for the government only.
Really, thought of investing
Close pana poranga soon
Where have you been 😢
Busy.. work..
Ennaku oru doubt any one clear me
Eppo etf la na investment panra 12 month kulla na sell panra appo ennaku o% tax but entha mathiri 2 time panra
2 year etf invesment panra ovoru yearum na sell panranala 1 year ku 0% tax next year tax 12.5 % charge pannuvangala
Kelvi purila
@thinkingtamizha007 ella sir na etf gold investment panra 1 year la stocks sell panra athuku 0% tax then continue panra next year end la sell panra appo ennaku 0% tax varum or 12% varuma
etf la 0% tax kedayadhu.. either stcg or ltcg.. vangina unit after 12 months vitha, ltcg illana stcg.