Sone mein nivesh ke 5 tareeke: coin, ETF, mutual fund, SGB aur digital gold
Sona sirf gehna nahi, kai log ise bachat ya nivesh ke roop mein bhi rakhte hain. Aaj sone mein paisa lagane ke kai tareeke hain, aur har ek ke fayde-nuksaan alag hain. Ye lekh sirf samjhane ke liye hai, nivesh ki salah nahi.
Tulna ek nazar mein
| Tareeka | Kharcha | Suraksha | Bechna |
|---|---|---|---|
| Coin / bar | 3% GST + thoda premium | Ghar/locker mein rakhna padta hai | Jeweller ko, thodi kati ke saath |
| Jewellery | Making + GST (zyada) | Ghar/locker | Making wapas nahi milta |
| Gold ETF | Chhota expense ratio + brokerage | Demat mein | Share bazaar ke samay mein |
| Gold mutual fund | Expense ratio | Fund ke paas | Fund house se |
| Digital gold | 3% GST + kharid-bikri ka fark | Vendor ke vault mein; regulator nahi | App se |
1. Coin aur bar
24K coin aur bar mein making bahut kam hoti hai, isliye nivesh ke liye ye jewellery se behtar hain. Hallmark wale coin hi lein. Bank se liye coin aksar bank wapas nahi kharidte, jabki jeweller kharid lete hain. Rate: 10 gram 24K.
2. Jewellery
Jewellery pehenne ke liye hai. Nivesh ke roop mein ye mehngi padti hai kyunki 8–25% making wapas nahi milta. Haan, shaadi aur parampara ke liye iska apna mahatva hai.
3. Gold ETF
Gold ETF share bazaar mein khareede-beche jaate hain aur har unit ke peeche asli sona rakha jaata hai. Demat account chahiye. Chori ka darr nahi, making nahi.
4. Gold mutual fund
Ye aksar gold ETF mein hi paisa lagate hain. Demat ki zaroorat nahi aur har mahine chhoti rakam (SIP) lagayi ja sakti hai.
5. Sovereign Gold Bond (SGB)
Sarkar ka bond, jisme maturity par sone ke bhav se paisa aur beech mein byaaj milta tha. Naye issue sarkar ke elaan par hi aate hain; purane SGB stock exchange par mil sakte hain. Vistaar: SGB kya hai.
6. Digital gold
App par ₹10 se kharid sakte hain, par ye SEBI ya RBI ke regulation mein nahi aata. Vistaar: digital gold ke fayde aur khatre.
Kaise chunein?
- Pehenna hai: jewellery.
- Haath mein sona chahiye aur making se bachna hai: coin/bar.
- Chori/locker ka jhanjhat nahi chahiye: ETF ya mutual fund.
- Har mahine thoda-thoda: gold mutual fund SIP ya chhote coin.
Tax ke niyam har tareeke ke liye alag hain: sone par tax padhein.
Ye nivesh salah nahi hai. Bade faisle se pehle kisi registered financial advisor se baat karein.