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6. Mutual Funds - Solution-Oriented & Others

Gold Fund (Mutual Fund)

Gold Fund of Funds

Open-ended fund investing in gold ETF units without needing a demat account.

Risk Level
Medium ★★★☆☆
Liquidity
🟡 Medium
Min Investment
₹10
Ticket Size
₹10 (digital gold) / 1g ≈ ₹6,000
Ideal Horizon
5+ years
Region
India

📈 Historical Returns (Indicative)

1 Year
8–22%
3 Years
10–15%
5 Years
10–14%
10 Years
9–13%
20 Years
9–12%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Gold Fund (Mutual Fund)

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ Professional fund management
  • ✅ Diversification across securities
  • ✅ Start with ₹500 SIP
  • ✅ Inflation hedge

Disadvantages

  • ❌ Expense ratio reduces returns
  • ❌ No guaranteed returns
  • ❌ No income/dividends generated
  • ❌ Storage and making charges (physical)

🚀 How to Invest in Gold Fund (Mutual Fund)

  1. Invest directly via AMC website or app (0% commission)
  2. Or use MFU, MyCams, Kuvera, Coin by Zerodha
  3. Complete one-time KYC (OTP-based Aadhaar KYC available)
  4. Set up SIP for disciplined monthly investing

💰 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.
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