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Gold ETF / fund offers digital gold exposure. Choose ETF for lower expense; FoF for SIP convenience. Compare with SGB for held-gold purpose.
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Market-risk disclaimer. Mutual fund investments are subject to market risks. Past performance is not indicative of future returns. Gold prices are influenced by INR/USD, global rates, and geopolitics.
Step-by-step procedure
See the procedure infobox above for the five steps.
Gold investment options comparison
Vehicle
Expense
Tax
Lock-in
Gold ETF
0.40-0.80%
Slab (debt)
None
Gold FoF
0.50-1.00%
Slab (debt)
None
SGB
0% (RBI issued)
Tax-free maturity, slab on early sale
8 years
Physical gold
Making, storage
Capital gain on sale
None
Digital gold (e.g., MMTC-PAMP)
1-3% transaction
Slab
None
For long-term held gold: SGB best (tax-free maturity). For tactical / liquid: ETF.
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