📈 Historical Returns (Indicative)
⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.
✅ Pros & ❌ Cons
Advantages
- ✅ Inflation hedge
- ✅ Safe haven during crises
- ✅ Portfolio diversifier
Disadvantages
- ❌ Low liquidity — funds may be locked in for years
- ❌ No income/dividends generated
- ❌ Storage and making charges (physical)
🚀 How to Invest in Gold Accumulation Plan (Jeweller-Linked)
- Sovereign Gold Bonds: Apply via banks, post offices, NSE/BSE during issue period
- Gold ETF: Buy via Demat account like any stock
- Digital gold: Zerodha Coin, Paytm Gold, PhonePe Gold (min ₹10)
- Physical gold: Jeweller or bank (carry making charges and GST)
💰 Tax Treatment (India)
STCG at slab rate (< 2 years), LTCG 12.5% without indexation (> 2 years, post Budget 2024)
Sovereign Gold Bond interest: taxable. SGBs: no capital gains if held to maturity
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.