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Investing in Gold and Silver ETFs: Are they as risky as Equity Funds?

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 27, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Visu Question by Visu on Sep 27, 2024Hindi
Money

When we seek for investment - generally advised to make investment in equity mutual for people who can challenge risk and for others Debt funds and liquid funds. But the ETF funds are not generally not suggested unless it is asked.? investing in Gold and Silver ETF fund is parallely the RISK investment at par with Equity mutual fund. why it is not recommended to add with portfolio. Is there THAT much High Risk? Should we not hold Gold or silver as little as possible.? Please advise.

Ans: Gold has been a preferred investment for generations. It’s often seen as a “safe haven” during economic uncertainty. People in India have a cultural connection with gold, holding it as a symbol of wealth and security. However, when you look at gold from a long-term wealth-building perspective, it may not deliver the returns you need.

For instance, if you had invested Rs 1,00,000 in gold in 2011, by 2024, that investment would have grown to Rs 2,73,687. That’s an absolute return of 173.69%, with a Compound Annual Growth Rate (CAGR) of 8.05%. While this might sound decent, there are other investment options that have delivered far higher returns during the same period.

Comparing Gold with Equity Investments
Now, let’s compare the returns from gold with equity investments like the NIFTY 50 TRI.

Gold Investment: Rs 1,00,000 invested in gold in 2011 would have grown to Rs 2,73,687 by 2024. The CAGR was 8.05%, providing an absolute return of 173.69%.

NIFTY 50 TRI Investment: Rs 1,00,000 invested in the NIFTY 50 TRI in 2011 would have grown to Rs 6,24,124 by 2024. The CAGR was 15.11%, resulting in an absolute return of 524.12%.

This comparison shows that equity investments, particularly those in the NIFTY 50 TRI, far outperformed gold over the same period. While gold has its place as a safety asset, it does not offer the same potential for wealth creation as equity over the long term.

Risk and Returns in Gold and Silver ETFs
Gold and Silver ETFs (Exchange Traded Funds) are investments that track the price of these precious metals. While they offer liquidity and ease of trading, they do not provide the kind of returns that equities or equity mutual funds do.

Gold ETFs: They are subject to the fluctuations in the price of gold. Historically, gold prices have shown moderate growth. The returns are often lower than equities, and gold tends to act more as a store of value rather than a wealth generator.

Silver ETFs: Silver is even more volatile than gold. Silver prices are influenced by both industrial demand and speculative trading, making it a riskier asset compared to gold. Its price movements are often erratic, and its long-term returns are less predictable.

Gold and silver ETFs are seen as safer than direct equity investments but come with a lower growth potential. This is why financial planners usually do not recommend them as the primary component of a long-term wealth-building portfolio.

Why Gold and Silver ETFs Are Not Frequently Recommended
Lower Long-Term Growth: As seen in the comparison with NIFTY 50 TRI, gold and silver do not generate the kind of returns that equity investments can provide. If you are looking for long-term wealth creation, equity mutual funds tend to offer better results.

High Volatility in Silver: While gold is often seen as stable, silver is far more volatile. Its price can swing wildly due to industrial demand, making it a high-risk investment in comparison to other asset classes.

Diversification Limits: While it’s important to diversify your portfolio, too much exposure to gold or silver ETFs can limit your overall growth. These assets are not growth-oriented, and a portfolio overly reliant on them may miss out on better opportunities in equity markets.

Role of Gold and Silver in a Portfolio
That said, holding some gold in your portfolio can be beneficial, particularly for stability during economic uncertainty.

Portfolio Stabilizer: Gold often acts as a hedge against inflation and currency fluctuations. During periods of economic downturn, gold prices tend to rise as investors flock to safety.

Safe Haven: Gold’s appeal lies in its reputation as a “safe haven” investment. When markets are turbulent, gold can provide stability. However, this is more about preserving value than growing wealth.

Recommended Allocation: It’s generally advised to allocate 5% to 10% of your portfolio to gold. This provides a balance between safety and growth. A small allocation can help reduce overall portfolio risk, but it shouldn’t dominate your investments.

Equity Mutual Funds vs. Gold for Long-Term Goals
Equity Mutual Funds for Wealth Creation: Mutual Fund SIPs (Systematic Investment Plans) offer a disciplined way to invest small amounts regularly in the equity market. Over time, this strategy helps in rupee cost averaging and takes advantage of market volatility. The long-term potential for growth in equities is far superior to that of gold.

The Power of Compounding: The real strength of equity mutual funds comes from compounding. Staying invested for the long term allows you to benefit from the exponential growth of your investments. Gold, while stable, does not provide the same compounding effect.

Mutual Funds vs. ETFs: Actively managed mutual funds offer professional expertise in selecting and managing a diversified portfolio of equities. This active management can often generate better returns than passively managed ETFs. Investing through a Certified Financial Planner ensures that your portfolio is tailored to your risk tolerance and financial goals.

Higher Returns Over Time: As shown in the earlier comparison, equity investments, particularly through SIPs, have the potential to generate significantly higher returns than gold. A Rs 1,00,000 investment in the NIFTY 50 TRI in 2011 would have grown to Rs 6,24,124 by 2024. This kind of growth is not achievable with gold or silver investments.

Should You Hold Gold or Silver in Your Portfolio?
While equity mutual funds should form the core of your portfolio, gold can play a supportive role. Here’s how you can approach it:

Small Allocation: Keep gold as a small part of your portfolio (5% to 10%). This helps diversify your investments and provides a buffer during market downturns.

Focus on Wealth Creation: If your primary goal is long-term wealth creation, equity mutual funds should be your priority. They offer higher growth potential and can help you achieve your financial goals faster.

Gold for Stability: Gold can act as a hedge during periods of economic uncertainty. However, it should not be relied on for wealth generation.

Avoid Over-Reliance on Precious Metals: Too much exposure to gold or silver can limit your portfolio’s growth. They are primarily preservation assets, not growth assets. Therefore, maintain a balanced approach and prioritize equity for wealth creation.

Final Insights
Gold has been a favorite investment for generations, but when it comes to long-term wealth building, it doesn’t deliver the returns that equity mutual funds can provide. While gold and silver ETFs offer safety and liquidity, their growth potential is limited compared to equity investments.

For a balanced portfolio, holding 5% to 10% in gold can provide stability. However, if your goal is wealth creation, equity mutual funds, especially through SIPs, should form the majority of your investments. These funds have historically outperformed gold and silver, offering the potential for significantly higher returns over the long term.

It’s important to maintain a diversified portfolio, but the focus should be on growth assets like equity, which can help you achieve your financial goals faster and more efficiently.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - Sep 27, 2024 | Answered on Sep 27, 2024
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Thank you ???????? I can understand like this.. A portion our of Profit from equity fund can be parked in gold or silver ETF. The reply is really eye ????? opening Hats off to you ????
Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

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I am 22 years old and I just started SIP of Rs. 8000 in Tata Digital India fund direct growth and Rs 2000 in Motilal Oswal Nifty Midcap 150 Index Direct growth fund. I have a monthly income of about Rs 70000 and with the current drop in the stock market, is it good to invest more in Equity and take risk over Mutual funds
Ans: It's commendable that you've started investing at such a young age, showing foresight and financial responsibility. Let's analyze your current situation and the potential to increase equity investments:

With a monthly income of Rs. 70,000, your SIP contributions of Rs. 10,000 reflect a disciplined approach towards wealth accumulation.

The recent drop in the stock market presents an opportunity to invest more in equity, given your long investment horizon.

Equity investments carry higher risk but also offer the potential for higher returns over the long term, especially for young investors like yourself.

However, it's essential to consider your risk tolerance and investment objectives before increasing your equity exposure.

Diversification is key to managing risk in equity investments. Consider allocating additional funds across different sectors or asset classes to mitigate concentration risk.

Regular review and monitoring of your investment portfolio are crucial to ensure alignment with your financial goals and risk tolerance.

While equity investments have the potential for higher returns, they also come with higher volatility. Be prepared for short-term fluctuations and stay focused on your long-term investment objectives.

In conclusion, increasing your equity investments can be a prudent decision given your age and long investment horizon. However, make sure to assess your risk tolerance and diversify your portfolio accordingly.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 21, 2024

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Hello Sir, Are gold MF not a great idea? Or are there better ways in the market than MF to invest in gold like SGB, ETF, etc? Or is gold investments itself in our portfolio not recommended or not necessarily needed? Really helpful if we can get a general understanding on investment of commodities like gold, silver, etc. Thanks.
Ans: Gold Mutual Funds are an excellent way to invest in gold without the hassle of buying physical gold. They invest in gold ETFs, allowing you to benefit from gold's price movements. These funds are managed by professionals, which adds a layer of expertise to your investment. Gold MFs are convenient, as they don’t require a Demat account, making them accessible for most investors.

Advantages of Gold Mutual Funds

Professional Management: Experienced fund managers handle the investments.

Ease of Access: No need for a Demat account; you can invest directly through your bank or mutual fund distributor.

Diversification: Gold acts as a hedge against inflation and adds balance to your portfolio.

Why Choose Gold MFs Over Other Gold Investments?

Gold MFs offer the convenience of systematic investments through SIPs, which can help average out the cost. Unlike physical gold, there are no worries about storage or safety. While Sovereign Gold Bonds offer interest, Gold MFs provide liquidity and flexibility, which is crucial if you might need to redeem your investment quickly.

Final Thoughts

Gold Mutual Funds are a solid choice for adding gold to your portfolio. They offer a hassle-free, professionally managed way to invest in gold, balancing your portfolio and providing protection against market volatility. If you’re looking for a simple yet effective way to invest in gold, Gold Mutual Funds are the way to go.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

Asked by Anonymous - May 28, 2025Hindi
Money
Sir, How gold ETFs and gold Mutual funds differs except someone monitoring or tracking like fund managers. If my allocation is purely to invest and grow as I am not keen to accumulate physical gold. Should I consider ETFs or Mutual funds. Please assist giving some example of good exclusive gold mutual funds in the markets. Also, I trade gold ETFs and when I see it goes beyond 3% of my investment then I withdraw keeping 1 unit to check the price decrease to re-invest to score profit regularly. Is that a good approach? As identifying a right share being difficult other fundamentally strong or large caps. This is my method of trading. Please advise. Thanks!!!
Ans: You have shown good interest in disciplined investing.

Let’s now look at your gold investing methods in full detail.

We will compare Gold ETFs and Gold Mutual Funds.

Then we will assess your trading pattern in gold ETFs.

Gold ETF vs Gold Mutual Fund – Key Differences

Both invest in gold and track its price.

Both don’t involve physical gold handling.

But there are core differences between the two.

Gold ETF trades like a share on stock exchange.

Gold mutual fund is an open-ended fund.

You can invest without demat account in gold mutual fund.

You need demat account for Gold ETF.

Gold mutual fund invests in a gold ETF.

It adds a layer of fund management.

But also adds cost over ETF cost.

ETF price may differ from actual gold price due to market demand.

Mutual funds use NAV and update only once per day.

ETF can be bought or sold any time during trading hours.

Gold mutual fund can be bought anytime but based on NAV timing.

ETF needs stock exchange liquidity to sell.

Mutual fund has no liquidity issue, you can redeem anytime.

ETF cost is slightly lower.

But needs you to manage transactions and timing.

Mutual fund adds ease and automatic SIP option.

Gold ETF is suited for active users who track and trade.

Gold mutual fund suits long-term, disciplined investors.

Which to Choose – ETF or Mutual Fund

You said you don’t want physical gold. That’s clear.

You are using gold as investment and not for tradition.

In this case, both ETF and gold mutual fund are suitable.

But we must look at your goal.

If the idea is regular trading, then gold ETF fits better.

But if you want steady growth over time, prefer mutual fund.

Mutual fund lets you set up monthly SIP easily.

You don’t need to track or time prices.

It works on discipline, not emotion.

You also don’t need demat or trading account.

Mutual fund has full support of fund manager.

If invested through regular plan, you get help from MFD.

Certified Financial Planner can guide your gold exposure.

ETF may appear low cost, but without guidance it can hurt.

Most ETF investors buy high and sell low.

That’s the real cost, not just expense ratio.

Trading Method – Your 3% Rule Assessment

You said you track gold ETF.

When it goes over 3% of your investments, you sell.

You keep 1 unit to track price.

When price falls again, you re-enter.

This is a very tactical method.

You treat gold like equity.

You’re trying to use short-term timing to make profit.

But gold is not designed for short trades.

It doesn’t move fast like equity.

Gold gains are slow and steady over time.

If your goal is regular profit, gold is not the best tool.

Also, gold trading has tax impact.

Short-term gains in gold ETF are taxed at slab rate.

Long-term gains are also taxable based on new rules.

Frequent buying and selling reduces gains.

You also miss long-term compounding of gold.

Gold should be used as portfolio hedge.

Not as a frequent profit booking tool.

You should use equity for active trading, not gold.

Try to keep gold at 5-10% of your portfolio.

Let it stay as hedge and safety asset.

Use mutual funds for long-term gold exposure.

Use equity mutual funds or stocks for active return ideas.

Why Gold Mutual Funds are Better for Most Investors

No demat required. Easy to invest online or offline.

Easy SIP setup for disciplined investing.

No daily tracking needed.

Redemption process is simple.

Can invest even small amount monthly.

You also get regular statements.

You get help from MFD and CFP.

No liquidity issue. You get back money in 2–3 days.

You avoid emotional decisions.

ETF demands time and constant tracking.

Many investors get trapped in frequent ETF trades.

Mutual funds help avoid such habits.

How to Invest in Gold Mutual Fund Smartly

Choose regular plan through trusted MFD.

Prefer fund with consistent NAV tracking gold price.

Avoid new funds or NFOs.

Start SIP with Rs. 1,000 or Rs. 2,000 per month.

Target 5% to 10% allocation to gold.

Rebalance yearly based on goals.

Don’t panic if gold stays flat for some years.

It will work when equity is down.

That’s its real power – protection.

Don’t Treat Gold Like Equity Shares

Gold is not meant for fast growth.

It is not like large cap or midcap stock.

Gold is for stability and balance.

It protects in inflation, war, and currency crisis.

Equity builds wealth, gold guards wealth.

Use equity mutual funds for strong returns.

Use gold for slow, protective growth.

Avoid making frequent entries and exits.

Discipline matters more than timing.

MF CG Taxation Rules – Must Know

Gold funds are taxed as debt mutual funds.

Both short-term and long-term taxed as per your slab.

This reduces actual return if traded often.

So long holding is better to lower tax impact.

Avoid frequent switches to save on tax.

Sample Allocation Idea for Balanced Investing

70% in equity mutual funds (active, regular plan).

15% in debt mutual funds or PPF.

10% in gold mutual fund.

5% in liquid or emergency fund.

Review this mix yearly.

Use Certified Financial Planner for proper planning.

What You Can Do Next

Stop frequent gold ETF trading.

Treat gold as a support, not main growth engine.

Shift from ETF to gold mutual fund if long-term plan.

Start SIP in gold mutual fund through regular plan.

Avoid index gold funds. Use active fund house.

Don’t go for direct plan.

Direct plan saves little, but gives no support.

Without guidance, small mistakes cost more.

MFD with CFP support gives rebalancing and goal review.

Equity must be used for building wealth.

Gold should be used for diversifying risk.

Finally

Your interest in gold is good.

But treat it wisely with right plan.

Avoid trading too often for small gain.

Let gold protect your wealth, not replace equity.

Regular fund through CFP gives better outcome than ETF.

Stay invested with purpose, not emotion.

Let your portfolio work together, not in conflict.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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