SGB Tranche 2 Sep15 ~5923/gm

Hedge investment portfolio during downside
Taxfree after maturity
Interest of 2.5%
Diversification of portfolio
Gold is heaven when inflation is high and macro is down due to its IMF reserve and Money printing capabilities.
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

15mo ago

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WobblyNoodle

InMobi15mo

Gold is one asset that should be in physical form instead of electronic form.

BouncyDonut

Stealth15mo

Not true entirely. It is costly to keep in physical form. Do you know the bank locker rent?

WobblyNoodle

InMobi15mo

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.

SwirlyTaco

Stealth15mo

Imo, 20% of total asset allocation via SGB only. Extremely efficient and liquid.

SillyDonut

TCS15mo

Rest 80% ?

SwirlyTaco

Stealth15mo

60 Equity 20 Debt RE isn't counted in the asset-alloc. It's illiquid and notional.

FluffyNugget

Plivo15mo

Btw that 2.5% payout is taxable as per ur tax slab

SillyDonut

TCS15mo

Yeah...but capital gain over gold rate is tax free...that will be major chunk after 5 or 8y not 2.5% cagr

GroovyBoba

X (formerly Twitter)15mo

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

SillyDonut

TCS15mo

In long term, Gold has always beaten fd rates. Period.

SparklyMuffin

Sunflag Iron & Steel Co.15mo

Only if you can hold for 5/8 years as selling in secondary markets will attract taxes.

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