SGB Tranche 2 Sep15 ~5923/gm
1. Hedge investment portfolio during downside 2. Taxfree after maturity 3. Interest of 2.5% 4. Diversification of portfolio 5. Gold is heaven when inflation is high and macro is down due to its IMF reserve and Money printing capabilities. 6. Can buy sell if bought through digital apps like grow or Paytm What's your say? 10% of portfolio is fine through sgb way?? Like 1 lac for 10 lac portfolio
Gold is one asset that should be in physical form instead of electronic form.
Jordon Nadeen
Stealth
a year ago
Not true entirely. It is costly to keep in physical form. Do you know the bank locker rent?
Even SGBs have charges which eats up in returns.
Not to forget, physical gold is more liquid and can be used in any emergency unlike SGBs which come with lock-in period.
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Imo, 20% of total asset allocation via SGB only. Extremely efficient and liquid.
60 Equity
20 Debt
RE isn't counted in the asset-alloc. It's illiquid and notional.
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Yeah...but capital gain over gold rate is tax free...that will be major chunk after 5 or 8y not 2.5% cagr
Sorry I don't know shit about investing but if interest is only 2.5% then isn't it just better to just keep money in an FD as an individual investor?
I understand hedging your portfolio but I really don't expect a market depression in 2-5 year period
Only if you can hold for 5/8 years as selling in secondary markets will attract taxes.
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