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Follow
Sovereign
Gold
Bonds
(SGBs)
-
Should
you
invest
in
them?
COMPARISON
of
SGBs,
Gold
MFs,
Physical
Gold
👇🏽
SGBs:
Ease:
Simple,
paperless,
and
online.
Safety:
Government-backed,
safe
custody
Liquidity:
So-so,
can
be
traded
on
the
stock
exchange,
or
redeemed
after
5
years.
Returns:
Gain/loss
based
on
gold
price
+
2.5%
annual
interest
rate
Lock-in
period:
Can
be
redeemed
after
5
years,
maturity
is
8
years.
Taxation:
Interest
is
taxed
at
your
income
tax
slab.
If
held
to
maturity,
final
payout
is
tax-free.
Market
risk:
Linked
to
gold
price.
Gold
MFs
Ease:
Simple,
paperless,
and
online.
Safety:
Professionally
managed,
safe
custody
Liquidity:
Easily
redeemable
when
needed
Returns:
No
interest,
gain/loss
depends
on
price
of
gold
Lock-in
period:
None
Taxation:
STCG
added
to
income,
LTCG
20.8%
(indexation
benefit)
Market
risk:
Linked
to
the
price
of
gold
Physical
Gold
Ease:
Requires
physical
purchase
and
(ideally)
locker
Safety:
Risk
of
theft
or
loss
Liquidity:
Relatively
low,
requires
effort
to
sell
Returns:
No
interest,
gain/loss
depends
on
market
price
of
gold.
Lock-in
period:
None
Taxation:
STCG
added
to
income,
LTCG
20.8%
(indexation
benefit)
Market
risk:
Linked
to
the
price
of
gold
Which
should
you
invest
in?
Physical
Gold:
Consider
this
only
if
you
think
you
may
want
to
make
jewelry
out
of
the
gold
you
buy
Gold
MFs:
Consider
this
if
you're
buying
purely
as
an
investment
AND
you
think
you
may
need
to
redeem
your
money
at
short
notice
SGBs:
Consider
this
if
you're
buying
purely
as
an
investment
AND
you
don't
need
the
money
for
8
years.
From
a
returns
perspective,
SGBs
are
the
best
option,
but
don't
ignore
the
other
points!
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