Latest news with #SovereignGoldBonds
Time of India
6 days ago
- Business
- Time of India
Simplifying portfolio analysis and tracking: Tools to view, compare, and manage your investments in one place
Keeping track of investments across different asset classes, platforms, and accounts can often be time-consuming and fragmented. To help investors make more informed decisions and maintain better oversight, several digital tools now offer consolidated portfolio views and benchmarking features —all designed to simplify portfolio management without compromising on data accuracy or privacy. Unified portfolio views for a holistic perspective In today's investing environment, managing multiple asset classes such as equities, mutual funds, and Sovereign Gold Bonds (SGBs) can involve logging into several different accounts or apps. Angel One's portfolio tracking tool addresses this challenge by allowing users to monitor all their holdings together in one place—removing the need to toggle between tabs or third-party apps. This consolidated view helps identify asset allocation gaps, track progress, and understand overall exposure—all from a single dashboard. Managing family wealth in one view Angel One's Family Portfolio View makes it easier to oversee household-level finances by allowing users to securely link up to five family member accounts. With their consent, users can track all family investments—across stocks, mutual funds, and other holdings—on a single platform. Key benefits include: A consolidated view of household investments Visibility into overall asset allocation Simplified decision-making for shared financial goals like retirement, education, or legacy planning Setting up is straightforward, and users retain full control and transparency throughout the process. Benchmarking mutual fund performance Understanding whether your mutual fund investments are performing in line with the market is an essential part of portfolio management. Angel One's Portfolio Analysis feature enables users to compare their mutual fund portfolio's returns to benchmark indices like the Nifty 50. With visual tools and performance graphs, users can interpret: Whether their portfolio is lagging or outperforming benchmarks How market movements are affecting long-term returns Whether strategy adjustments may be needed Benchmarking equips investors with context and clarity, helping them make informed allocation and rebalancing decisions. Making informed adjustments Angel One's portfolio tracking tools collectively offer users greater visibility and control over their investment journey. By centralizing insights and streamlining access across asset classes and accounts, these tools aim to help investors make smarter, data-backed choices that align with their goals. Disclaimer - This is for educational purposes only. Investments in securities markets are subject to market risks. Please read all related documents carefully before investing. Such representations are not indicative of future results.
Time of India
03-05-2025
- Business
- Time of India
Sovereign Gold Bond final redemption: Investors to earn 221% returns on maturity as RBI announces final price for SGB 2017-18 Series I; check details
SGB 2017-18 Series I: What is the final redemption price? SGB 2017-18 Series I: Issue price Live Events SGB 2017-18 Series I: How much profit did investors make? Tax-free maturity amount on SGB What are Sovereign Gold Bonds? Can a Minor invest in SGB? The Reserve Bank of India (RBI) has announced the final redemption price of Sovereign Gold Bond (SGB) 2017-18 Series I. The final redemption is due on May 9, 2025. The SGB bond was issued in May 2017. The SGB is repayable on the expiration of eight years from the date of issue of the Gold Bonds. Accordingly, the final redemption date of the above tranche shall be May 9, gold bond holders of this issue have hit a jackpot as the gold prices has been hitting new highs in the domestic market. Recently, gold prices touched Rs 1 lakh per 10 grams (24K) in some read: Sovereign Gold Bond 2025: RBI announces SGB premature redemption dates from April – September 2025; Check details According to the Reserve Bank of India press release dated May 2, 2025, the redemption price for the final redemption due on May 09, 2025 (May 12, May 11 and May 10 being holidays) shall be Rs 9486/- per unit of SGB based on the simple average of closing gold price for the week April 28, 2025 - May 02, 2025. (May 01, 2025, being a holiday).The final redemption price of SGB is calculated based on the simple average of closing price of gold of 999 purity of three working days of the previous week (Monday to Friday) as published by the India Bullion and Jewellers Association issue price for SGB 2017-18 Series I in May 2017 was fixed at Rs. 2951 per gram. Investors who made purchase online are eligible for discount of Rs 50 on the issue price. For them, the applicable issue price will be Rs 2901/- (Rs 2951- 50 = 2901/-).Also read: Fresh SGB issuance unlikely: How much will you gain if you buy Sovereign Gold Bonds from stock market The Sovereign Gold Bond (SGB) 2017-18 Series I, issued on May 12, 2017, had an issue price of Rs 2,951 per gram. The final redemption price as per RBI is Rs 9486. The SGB is due for redemption on May 9, absolute terms, an investor has earned a return of 221% over eight years without considering the interest the investor would have earned annual interest of 2.5% per annum on their gold bond maturity amount received by the SGB holder will be tax-exempt. Suppose you invested Rs 1,47,550, based on the issue price of Rs 2,951, to get 50 grams of gold. On maturity, you will get Rs 4,74,300 based on the final price of Rs 9, you get the gains of Rs 3,26,750 RBI issues Sovereign Gold Bonds (SGBs) as government securities on behalf of the Indian government. These bonds are denominated in grams of gold and provide an alternative to holding physical gold while offering periodic FAQs on SGBThere may be a risk of capital loss if the market price of gold declines. However, the investor does not lose in terms of the units of gold which he has paid resident in India as defined under Foreign Exchange Management Act, 1999 are eligible to invest in SGB. Eligible investors include individuals, HUFs, trusts, universities and charitable institutions. Individual investors with subsequent change in residential status from resident to non-resident may continue to hold SGB till early redemption/ joint holding is The application on behalf of the minor has to be made by his/her guardian.
Mint
30-04-2025
- Business
- Mint
Investing in gold or real estate in India in 2025? Compare tax benefits, liquidity and returns to decide
Investors in India are exploring smart strategies to build wealth. Two prominent options are investing in gold or taking a home loan to invest in real estate. Both approaches offer their own set of advantages and disadvantages. According to Atul Monga, CEO and Co-founder of BASIC Home Loan, 'The decision to invest in gold or purchase a home should be based on one's financial goals, liquidity needs, and investment horizon.' 'Gold has surged to record highs, driven by global economic uncertainties and rising demand for safer investment options. For many Indians, gold is a crucial asset that acts as a reliable hedge against inflation. Moreover, the accessibility of digital gold & gold ETFs has further democratised this asset class. 'Real estate, on the other hand, offers long-term capital appreciation and rental income benefits. While the initial investment in real estate can be substantially higher than investing in gold, it is a tangible asset that can be used as a financial investment and a practical utility. Ultimately, the best investment strategy is the one that aligns with an individual's overall financial goals and risk tolerance,' he added. Let us hence discuss five key factors to help you in deciding wisely: Gold is generally ideal for your short term goals. It acts as a hedge against inflation and is more liquid than real estate in nature. Options such as Sovereign Gold Bonds (SGBs) can provide capital appreciation with the added benefit of annual interest. Home loans on the other hand provide for support in the long run. Real estate can provide rental income and appreciation in the long term. According to RBI guidelines home loans are available on favourable terms through various financial institutions. These loans are provided in the range of ₹ 10 lakhs to 25 lakhs or even higher by leading financial institutions, banks and NBFCS, depending on the creditworthiness, credit score, repayment capacity and past history of the borrower and his potential to convince the lender of the same. For complete clarity on this, consider reaching out to your respective lender. Gold is easy to buy, trade, or sell, so it is a clear winner in this department when compared with real estate, especially with digital gold and SGBs listed on stock exchanges. Property, though lucrative, lacks easy selling ability and liquidity. Selling of property units generally takes time, and it comes with higher transaction costs and associated complications. RBI also follows a strict Loan to value ratio (LTV) to ensure borrower equity. Gold is an investment idea that is both scalable and affordable. You can begin with just a gram in SGBs, thus making it fairly suitable for small and medium-level investors. Home loans on the other hand need a larger upfront investment, sincere commitment, down payment, registration, EMIs etc., and are considered best for those with long term financial stability. Home loans provide for significant tax deductions under Section 80c on principal and Section 24(b) on interest. Gold, while reasonably profitable, lacks such deductions. Still, capital gains on SGBs are tax-exempt on redemption for individual investors. Therefore, on a balanced level, gold has delivered solid returns and still remains a reliable protection, i.e., a hedge against inflation. SGBs offer extra interest income, boosting the total yield. Real estate on its part can provide for rental income, capital growth in the long run and now a broader access through REITs, thanks to SEBI's investor friendly changes and reforms. Gold is a strong contender for short-term liquidity and inflation protection. Home loan-backed real estate is better for long-term wealth and income. A diversified investment strategy combining both can offer stability and growth. Hence, to conclude, gold can be a better choice for short-term liquidity and inflation protection. For long-term wealth, income generation, and rental yield, home loan-backed real estate can be a viable option. A strategically diversified investment strategy that combines both can offer stability and growth simultaneously. For complete clarity on the same, it will be prudent for you to consult a certified financial advisor and take any investment decision only after considering factors such as proper research, individual financial capacity, credit worthiness, credit scores, EMI repayment potential, current financial health, pros and cons of both investment ideas among other associated issues. Disclaimer: This article is for informational purposes only and should not be construed as financial advice. Readers are advised to consult a certified financial advisor before making any investment decisions. First Published: 30 Apr 2025, 05:57 PM IST
Economic Times
30-04-2025
- Business
- Economic Times
Your grandmother was right! Gold prices have zoomed 200% in 10 years
Ahead of Akshaya Tritiya 2025, gold has delivered impressive returns, exceeding 30% since last year and over 200% in the past decade. While high prices may slightly temper volumes, overall revenues are expected to remain steady due to larger ticket sizes. Experts suggest exploring options like lighter jewellery and Sovereign Gold Bonds for investment. Tired of too many ads? Remove Ads (Source: Ventura Securities) Tired of too many ads? Remove Ads Impact of rising prices on consumer behaviour Outlook for gold prices Tired of too many ads? Remove Ads Gold has continued to solidify its reputation as a resilient investment ahead of Akshaya Tritiya 2025 . Domestic brokerage firm Ventura Securities reports that the yellow metal has delivered more than 30% returns since the previous Akshaya Tritiya and is up by over 200% in the last 10 to the brokerage firm, gold, which was trading around Rs 73,240 per 10 grams for 24Kt during Akshaya Tritiya in 2024, has now surged to the range of Rs 94,000–Rs 95,000 per 10 grams in a longer horizon, the gains have been even more impressive. Gold prices have increased by over 200% from Rs 30,182 per 10 grams during Akshaya Tritiya buying on Akshaya Tritiya is deeply embedded in Indian culture, symbolising prosperity, good fortune, and wealth creation. Traditionally, the day is considered highly auspicious for financial decisions and new Securities notes that South India dominates Akshaya Tritiya gold buying with a 40% share, followed by the West (25%), East (20%), and North (10%). However, high gold prices this year are likely to temper the volumes read: Is the white metal ready for a catch-up rally? Ventura Securities also pointed out that even though gold prices are at record highs, overall revenues may remain steady compared to last year, driven by higher ticket sizes despite lower volumes. Experts anticipate a 10–20% decline in the quantity of gold sold compared to the previous Akshaya are increasingly opting for lighter jewellery (such as one sovereign items instead of two) and exploring options like exchanging old jewellery, monthly instalment schemes, and shifting interest toward 14Kt and 18Kt jewellery to balance durability and affordability. There's also rising interest in studded jewellery, natural diamonds, and gemstone the domestic brokerage firm highlighted that investors are showing greater preference for gold bars and coins over jewellery, focusing on flexibility, liquidity, and long-term wealth read: Gold glitters with 25% return in 2025 this Akshaya Tritiya: Should you invest now? Looking ahead, Ventura Securities projects that gold prices could reach $3,600–$3,700 per ounce (approximately Rs 1,01,000–Rs 1,04,000 per 10 grams) by Akshaya Tritiya 2026 if global geopolitical tensions escalate or if economic conditions deteriorate further. Factors such as potential US Federal Reserve rate cuts could act as triggers for further it also cautions that if US rate cuts are delayed, central bank gold purchases slow down, or if the US economy surprises with strong performance, gold prices could temporarily correct to $2,900–$3,000 per ounce (Rs 87,000–Rs 90,000 per 10 grams).For the remainder of 2025, gold is expected to remain volatile, fluctuating between Rs 86,000 and Rs 96,000 per 10 at Ventura Securities suggest that consumers looking to invest may find attractive opportunities in the post-festival off-season (April–July), when seasonal buying pressure typically eases and jewellers may offer discounts to clear Ventura points out that Sovereign Gold Bonds (SGBs) continue to offer a tax-efficient route for investors. Gains from physical gold are now taxed as regular income after the removal of indexation benefits in 2023, while SGBs, if held till maturity, allow for tax-free capital gains along with an annual taxable interest of 2.5%.(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of The Economic Times)
Time of India
29-04-2025
- Business
- Time of India
Gold has proved your grandmother right
Representative image Had you listened to your grandmother and bought gold on Akshaya Tritiya , your investment would have earned handsome returns. Rising geopolitical tensions and widespread economic uncertainty have pushed gold prices to almost Rs 10,000 per gram. Gold bought on this auspicious day has delivered double-digit returns in the past 25 years. A substantial portion of these returns is attributable to the dramatic rise in gold prices in the past four years. Gold prices have more than doubled from Rs 47,452 per 10 grams in April 2021 to Rs 98,955 now. Investments in the yellow metal since 2021 have yielded more than 20 per cent returns. That's more than what equity funds have delivered in the past four years. However, though gold prices have moved up smartly, the yellow metal has also witnessed extended periods of muted returns. Between 2014 and 2018, the annualised return from gold was less than 2 per cent. Gold could not even beat the 4.8 per cent annual consumer inflation during that period. Many financial advisors consider gold a dead investment that doesn't generate any income or pay dividends. While that is true to some extent, gold is an excellent diversification tool because its price is not linked with other asset classes. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Google Brain Co-Founder Andrew Ng, Recommends: Read These 5 Books And Turn Your Life Around Blinkist: Andrew Ng's Reading List Undo During a geopolitical crisis or periods of high inflation, equities tend to do poorly. But these conditions are good for gold. The negative correlation reduces the portfolio risk. Gold is also a very liquid asset and can be bought and sold across global markets. Experts forecast a further upside in 2025. Geopolitical tensions have only increased, and the new occupant in the White House has triggered a worldwide tariff war. Even so, don't look at gold as a speculative bet. Rather, treat it as a wealth preservation tool and portfolio diversifier. Experts advise that investors should not put more than 15-20 per cent of their overall portfolio in the yellow metal. With gold hitting Rs 1 lakh per 10 grams, many investors may be thinking of booking profits. With the removal of the indexation benefit in 2023, gains from gold are now added to the income of the investor and taxed at normal rates. But Sovereign Gold Bonds (SGBs) offer a unique tax advantage to investors. SGBs are issued by the RBI, and their prices are linked to the price of gold. Investors get 2.5 per cent interest every year, which is fully taxable. But if SGBs are held till maturity, the capital gains from the investment are tax-free. Year Akshaya Tritiya Date Gold Price (Rs/10 gm) CAGR Till Date* (%) 2000 6-May-00 4,355 13.3 2001 26-Apr-01 4,025 14.3 2002 16-May-02 4,827 14.0 2003 6-May-03 5,310 14.2 2004 23-Apr-04 5,713 14.5 2005 11-May-05 6,113 14.9 2006 30-Apr-06 9,520 13.1 2007 20-Apr-07 9,352 14.0 2008 8-May-08 11,726 13.4 2009 27-Apr-09 14,792 12.6 2010 15-May-10 18,177 12.0 2011 6-May-11 22,000 11.3 2012 24-Apr-12 29,055 9.9 2013 13-May-13 26,890 11.5 2014 2-May-14 29,480 11.6 2015 21-Apr-15 26,950 13.9 2016 9-May-16 30,330 14.0 2017 28-Apr-17 29,620 16.3 2018 18-Apr-18 (Wednesday) 31,410 17.8 2019 7-May-19 (Tuesday) 31,739 20.9 2020 26-Apr-20 (Sunday) 46,353 16.4 2021 14-May-21 (Friday) 47,452 20.2 2022 3-May-22 (Tuesday) 52,670 23.4 2023 22-Apr-23 (Saturday) 61,080 27.3 2024 10-May-24 (Friday) 73,240 35.1 Stay informed with the latest business news, updates on bank holidays and public holidays . Master Value & Valuation with ET! Learn to invest smartly & decode financials. Limited seats at 33% off – Enroll now!
