Sovereign Gold Bonds + index ETFs — tax-efficient alternatives to physical gold and active funds.
Sovereign Gold Bonds pay 2.50% p.a. interest on top of gold-price tracking, plus zero making charges, zero storage cost, and zero LTCG tax if held to maturity.
Nifty 50 / Nifty Next 50 / Sensex ETFs match the index by construction — no fund-manager underperformance, ~0.10% expense ratio.
Low-volatility / momentum / quality factor ETFs — disciplined factor exposure without paying active-fund TER.
Indicative figures. Actual offer depends on your profile. Praarabdh is a Data Fiduciary under the DPDP Act, 2023.
Physical gold loses 8-12% on making charges. SGB gives you 2.50% interest + gold price tracking + zero making charge + zero storage cost + zero LTCG if held to maturity.
SGBs trade on NSE/BSE — you can sell anytime. There's also a sovereign call-back option after year 5.
Both track the same index. ETFs trade intraday like stocks (need a demat); index funds via AMFI route (no demat). Cost difference is marginal.
Gold ETFs lack the 2.50% interest — pure price tracking. SGBs are better if you can hold 5-8 years. ETF wins for shorter holds.
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