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Category: gold

Archive of our articles related to investing in gold

Can I use Sovereign Gold Bonds in my retirement portfolio?

Published on February 17, 2022 / By M. Pattabiraman Twitter: @pattufreefincal

A reader asks on Twitter, “Can we use Sovereign gold bonds for retirement planning?” For those who hate tax, the Sov. gold bond is an enticing investment. Buy and hold it for eight years and the returns (if positive!) are tax-free. So why not do this over a 20-25 year period when a typical investor…

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ICICI Prudential Silver ETF: What you need to know before investing

Published on January 5, 2022 / By M. Pattabiraman Twitter: @pattufreefincal

Investors will be able to invest in Silver for the first time via ICICI Prudential Silver ETF (NFO period Jan 5 – 19 2022). Exciting as this may sound, investors need to appreciate several aspects of investing in silver and investing in it via ETF. A discussion. Before we begin, it must be understood that…

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Is gold a hedge against inflation?

Published on December 1, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

Anyone interested in money management would have, at some point in time, heard the saying that gold is a hedge against inflation. Does the data support this adage? Let us find out. For an asset to be considered an inflation hedge, an investor must have a reasonable chance of earning a return higher than inflation…

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Are Sovereign Gold Bonds safe?

Published on October 28, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

Over the last couple of weeks, three readers have asked me why their Sovereign Gold Bonds decrease in value and how they can lose their principal in a bond with a sovereign guarantee. So, what is sovereign about these bonds? First, consider a simple bond issued by either RBI or the central or state governments….

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How much return can I get from Sovereign Gold Bonds?

Published on July 14, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

With the Sovereign Gold Bonds, 2021-22 (Series IV) open for purchase from July 12-16, 2021, a reader asks, “how much return can I get from these bonds”? The only honest answer one can offer is, we do not know. Gold is too risky an asset class to make a prediction. Here is why we have…

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Sovereign Gold Bond Scheme 2021-22: When to buy and when not to!

Published on May 14, 2021 / By M. Pattabiraman Twitter: @pattufreefincal

The finance ministry has announced the release dates of Sovereign Gold Bonds for 2021-2022. Six issues (tranches) are to be released. Thrice in May(!), once in July and twice in Aug. A discussion on when one can buy these when one should not. There are at least three distinct ways in which investors approach gold….

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Gold vs Silver Returns: Which is a better investment?

Published on August 21, 2020 / By M. Pattabiraman Twitter: @pattufreefincal

We there is a discussion on gold returns, someone tends to point that “silver has done better” or “silver has more upside potential than gold” or some such statement. In this article, we compare returns and risk associated with gold and silver from Jan 1979 to Aug 2020.

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Gold: 11% annualized return in 41 years, but there is a catch

Published on July 29, 2020 / By M. Pattabiraman Twitter: @pattufreefincal

On Jan 2nd 1979, Gold per troy ounce (about 31.1 grams) was Rs. 1792.85. On 24th July 2020, 41 years later (41.6 years technically), the price was Rs. 142343.67. That is a CAGR or an annualized return of 11.1%. There is however a catch though.

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What returns can we expect from Sovereign Gold Bonds?

Published on June 3, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 3 Comments

Have you ever wonder what returns one could get by buying Sovereign Gold Bonds? Here are some hard numbers.

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Is this a good time to buy gold? A tactical buying strategy for gold

Published on May 30, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 2 Comments

When we look at “long term” gold charts, it is quite easy to assume, “gold always tend to given good returns” without realising how volatile it can be. There are ways to reduce the risk associated with buying gold and perhaps even get more returns if we are lucky. In this article, we discuss a…

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Gold beats Sensex over last 20 years! Time to invest in gold?

Published on April 17, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 4 Comments

We compare long term lump sum and SIP returns of Stocks vs Gold vs Bonds to find that 20-year Sensex Returns are now lower than Gold (perhaps for the first time)

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Sovereign Gold Bond Scheme 2020-21: When to use and when not to!

Published on April 14, 2020 / By M. Pattabiraman Twitter: @pattufreefincal / 1 Comment

Here is when investors should use the Sovereign Gold Bond Scheme 2020-21 and more importantly when not to!

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