Best Gold Investment Options:
Gold has always been one of the most trusted investment options in India. Over the past year, gold prices have increased by nearly 51%, while silver prices have gone up by 61%. Many people continue to buy gold expecting further price growth. However, buying physical gold comes with several challenges such as high making charges, purity concerns, and storage or theft risks. For those who want to grow their wealth smartly, there are four better and safer investment options in gold.
Digital gold is the easiest way to invest. You can buy it anytime online, starting from as little as ₹1. It represents pure physical gold that is safely stored in vaults by certified companies, while you hold a digital certificate. There are no making charges, and the buying or selling process is quick and transparent. Later, if you wish, you can convert your digital gold into physical gold.
Gold ETFs are ideal for those familiar with the stock market. Each unit of a Gold ETF represents a share of real gold (usually 99.5% pure). To invest, you need a demat account. Gold ETFs are easy to buy and sell during market hours and offer high liquidity without worrying about hallmarking or storage costs.
For those who do not have a demat account, gold mutual funds are a convenient option. These funds invest in Gold ETFs and allow you to invest systematically through SIPs. Although they have slightly higher costs, they are professionally managed and provide flexibility to small investors.
Issued by the Reserve Bank of India, SGBs are government-backed securities linked to gold prices. They offer a fixed interest of 2.5% per year along with gold price appreciation. If held till maturity (8 years), the capital gains are tax-free, making them a safe and long-term wealth-building choice.
These four gold investment options offer safety, convenience, and better returns — without the risks linked to physical gold.
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