20-year return data, post-tax analysis, and live portfolio calculator comparing physical gold / SGB / Gold ETF versus Nifty 50 equity investments.
| Investor Type | Gold Allocation | Equity Allocation | Rationale |
|---|---|---|---|
| Conservative (pre-retirement) | 20–25% | 40–50% | Stability + inflation hedge |
| Moderate (mid-career) | 10–15% | 60–70% | Growth with hedge |
| Aggressive (long horizon) | 5–10% | 75–85% | Maximum growth, rebalance in crisis |
| Crisis / Geopolitical hedge | 15–20% | 50–60% | Gold protects during equity crashes |
| Feature | Physical Gold | Gold ETF | SGB (Sovereign Gold Bond) |
|---|---|---|---|
| Annual Cost | Making charges + storage | Expense ratio ~0.4–0.7% | 0% cost |
| Returns | Gold price appreciation | Gold price (minus ER) | Gold price + 2.5% p.a. interest |
| Maturity Tax | LTCG 20% with indexation | LTCG 20% with indexation | Tax-FREE at maturity (8 years) |
| Liquidity | Low (jeweller/melt) | High (exchange) | Moderate (exchange / 5yr early exit) |
| Purity Risk | Yes | None (99.5% gold backed) | None (RBI issued) |
| Min Investment | Varies | ~₹5,000 (0.5g unit) | 1g minimum (₹6,000–7,000) |
| Interest Income | None | None | 2.5%/year, paid semi-annually |
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