Sovereign Gold Bond Detailed Review || Are SGBs Worth It? || How To Invest In Gold?

[@caseybills5517]

Buying silver and gold is easy, but it is renowned for stability during economic hard times like this. The main problem is investing in stocks, dividends and even cryptocurrencies to grow your portfolio.... I’ve been trying to grow my portfolio of $190K for some time now, my major challenge is not knowing the best entry and exit strategies ... I would greatly appreciate any suggestions

[@TylerJamestown]

Just try to diversify your portfolio to other market sectors, that way your portfolio is balanced and you don’t get to make so much losses. Also engage the services of a financial advisor to walk you through

[@StocksWolf752]

Right, I delegate my day-to-day investing to an advisor ever since suffering a major steep-down late 2019, amid rona-outbreak, and as of today, I'm semi-retired with barely 25% short of my $1m retirement goal after subsequent investments.

[@JamesLongman-v5r]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@StocksWolf752]

I work with Rebecca Nassar Dunne as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.

[@BateserJoanne]

I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.

[@NicholasBall130]

Considering the current market uncertainty, it seems prudent to invest in gold or a gold ETF. I'm thinking of allocating over $300k for retirement purposes. While the potential for short-term gains in a bullish market is appealing, I recognize the importance of maintaining a long-term investment strategy.

[@cowell621]

Gold is seen as a safe bet during economic ups and downs. But investing in it can be tricky. Some people lose money because they don't understand how it works. So, it's wise to be careful. I suggest talking to a financial advisor who can help you figure out when to buy and sell.

[@StocksWolf752]

Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.

[@StacieBMui]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@StocksWolf752]

Sonya Lee Mitchell maintains an online presence that can be easily found through a simple search of her name on the internet.

[@StocksWolf752]

Her name is Rebecca Nassar Dunne can't divulge much. Most likely, the internet should have her basic info, you can research if you like.

[@shobhikvyas7354]

Please understand the purpose of SGB and objectives and do not mislead the people who wants to invest in gold. It is good option for financial planning and investment in gold. Objective to investment in SGB was not for short term

[@sandeepguleria7534]

Absolutely right 👍

[@ajaiyagrawal4313]

It is a good investment opportunity.

[@KabirBarkskins]

In one of the video there was a comment which made me really laugh and that comment was " she never disappoint in disappointing us"

[@Itsme_Rashmi]

😂​@@KabirBarkskins

[@YashSaini-p1c]

Is it ok investing in sgb bond

[@AdityaSingh-qk4qe]

But meaning of investment especially long term is that we are not going to sell it, in emergencies we need to use emergency funds instead - mostly purpose should be to hold for more than 5 years - but also gold ke prices primary market pe badhne se secondary mei bhi badhta hai so - waha pe bhi koi saste mei nahi bechega unless he doesn't have an emergency( with no emergency fund)

[@asurakengan7173]

Views ke liye video bana diya bs

[@chandankn]

@@asurakengan7173 Sahi bola.

[@sandeepguleria7534]

Absolutely correct

[@prakashghosh985]

Emergency fund banana itna asan nahi hain

[@Srikantbhat]

Please understand the purpose why SGB is released, this is for long term investment, that’s why RBI is paying interest…. Please don’t misguide people

[@akshaypotdar540]

Yess you are right, video is quite misleading

[@sanskargupta475]

Inflation rate is 6% approx and intrest is 2.5 % so now also it is good. Think again 🤔

[@AyushKumar-hh1ty]

​@@sanskargupta475bro what about the increasing price of gold prices ?

[@Vishal-ux2ro]

​@@sanskargupta475If you buy gold keep it in the locker you won't get 2.5% pa also.... This is a good option for people instead of buying gold items and by paying taxes.

[@kartikg5841]

​@@sanskargupta475Atleast better than purchasing physical gold right

[@manansolanki]

We can even mortgage our SGB against any loan, which is another benefit of SGB. Such a informative video, keep it up. Upcoming SGB date is 6th-10th march.

[@sushantsaini9705]

Bank do not accept sgb as security against loan...i asked every branch manager in my state...they all said they do not have any direction regarding such lending from there superiors

[@manansolanki]

@@sushantsaini9705 I had read it somewhere. not sure about what is actually happening. Thanks for your efforts :)

[@sayakrudra2079]

Sir, how to buy sgb?? I wanted to buy it

[@SHUBHAMGUPTA-jm2bz]

@@sayakrudra2079 March 6-10 new bond issue hoge tb purchase krna

[@ashalatha3964]

How can we sell them after 5 years

[@avishek12373]

One info is not correct, you don't get back the principal,you get back the price of 1gm of gold at the prevailing rate when it is redeemed.Lets say you bought the gold at 5900 per GM and after 8years the price of gold is 7100 per GM.You will get 7100.

[@ShreejRam]

+ 2.5 % interest too....

[@asurakengan7173]

Sgb are much more liquid than this video claims, I own various tranches but have never felt trapped lol.

[@coolbuddy8091]

Thanks

[@sayakrudra2079]

How to buy sgb sir?

[@coinmamba4408]

Try selling them I’m market rate 5600 you will get 5200

[@SatyaprakashGuptavibhu]

Agreed

[@sayakrudra2079]

@@coinmamba4408 how to buy sgb?

[@abdulsamath7616]

SGB scheme is derived for long term investment whose maturity period is 8 years. It's the best way to invest in gold if you can hold them for 8 years.

[@sayakrudra2079]

what profit i'll make after 8 year?

[@NativeVsColonial]

@@sayakrudra2079 Inflation

[@agnibhamukherjee5823]

@@sayakrudra2079 Gold price will increase+interest+inflation

[@sachinhastak2411]

Hello Madam, Very informative video you shared with us. I would like to know you that SGB's are very good investment who are planning to invest in long term as compared to physical gold.

[@saiganesh3629]

SUPERB.... Not many have talked about this point. Appreciate this channel.

[@immanuel2677]

One question :while selling after 5 years will we get the market value of gold? What is the difference in selling after 5-6 years and selling after 8 years full tenure? If i am ready for 5+ years investment, is it a good option rather than buying gold?

[@Pnkajkumarchauhan14]

8 years investment is tax free .. If you sell gold bond before expiry you have to pay tax

[@shambunampoothiri8112]

You will get full price of gold as declared by RBI at 5 years , but you will have to pay tax on your profit ! Now if you hold till 8th year then no Tax , but after 8 years you cannot hold and you have to redeem money - so if gold price declined on that particular year you will be loser ! But considering 2.5% interest what RBI giving,

[@immanuel2677]

@@shambunampoothiri8112 yeah i understood, That 8 years restriction is not beneficial. It would have been the best if they would remove the intrest for the SGBs and make it unlimited duration, which would never happen!

[@sagbansal]

@@immanuel2677 This is a bond not a MF

[@jamesatlas5204]

@@immanuel2677 but dont forget gold etfs are taxed at 20% while bonds are tax free

[@akashgoel601]

So apart from the issue of liquidity everything is good with SGB and can be considered as one of the ideal product for long term investing?

[@sonianazareth1072]

Yes

[@gomzify]

It's very important to understand the context of an investment vehicle. Moment you invest in Gold through paper or dematerialised form, you defeat the very purpose of investment in this precious metal, no matter what form you choose. SGBs are crazy, good for those who wants to learn thier lessons a harder way.

[@manveetkaur6734]

plz explain ?

[@ayushiparsheera]

Said Sensible

[@sangitasinha9860]

Then please let me know which gold investment is best??

[@anjeekumar]

Very raw analysis done... More research required mam on sgb..

[@Zenfix1]

All intelligent investing is value investing. Aquiring more that you are paying for. You must value the business in order to value the stock. - Charlie Munger

[@mdsalmanhyder8714]

Is there any difficulties to sell the bond after maturity.. ? Can I directly sell it to RBI?

[@rajpruthwiraj]

Two minutes of silence for them who are not going to invest in SGB by watching this video😂😂😂

[@kishorisahoo6088]

You are the best didi 😊.... Love you so much 🤗

[@lakshmanraju7598]

Most Helful information which can save some people like me who are in rush to Buy SGBs and chances are we are forced to Sell them before 5 years if we need money in Emergency.Thanks

[@VishalPatel-fi1tx]

But if we are planning for more than 5 year investment in SGB instead of gold biscuits, what u say?

[@keshavbkulkarni594]

Thanks for sharing this information. But please let us what is approximate return on these bonds?

[@rajpatil-b2v]

SGB is best, How sells gold in india... so 5yr lock is best + u get additional 2.5%/yr. (12.5% above gold price after 5yrs)

[@dhiransh]

Let's look at the points given one by one - Low liquidity so higher probability of losses - first thing from practical perspective is common man don't buy gold to do speculative trading or because they have to sell it. They buy it for their children marriage or for unforseen circumstances or just as an investment which they can do year on year. Informed investors buy it as an inflation hedge and it doesn't form more then 3-5% of their portfolio. But assuming a person has emergency common man will first go for gold loan rather then selling his gold. Same can be done with sgb where he can avail loan against his security and that too at lower cost as it doesn't involve physical storage. So liquidity problem of exchange is applicable only if you have purchased for speculative purpose. Also there are arbitrage funds and quant funds who are looking at inefficiencies in pricing of these bonds. So any huge pricing difference between bid and ask is taken away by those players quickly. Second - large numbers of bond issue or rbi issuing bonds every month - any smart person would rather welcome this thing rather then running away from it. Rbi issuing bonds during rising gold prices provide better opportunities for informed investors. For example bonds issued at 70000 gold level will have face value of roughly 7000. So if after 2 years gold prices decline to say 50000 current prices will move to 5000. You can do unit averaging over your gold bonds just like physical gold. But the added advantage is that you will still be getting 2.5% interest on initial 7000 face value. So you will be earning basically 3.5% on your investment as well as any capital appreciation that will happen. By no what the points served as drawbacks of sgb are it's drawback. Infact for savvy investor they are boon.

[@Hi-qy8hs]

Sgb is good for long term investment....good and informative content

[@vaibhavbhosale4408]

Shall we buy SGB from the listed market or fresh listing by RBI for SIP? If from the listed market, do we need to buy the same SGB every month or the SGB which has a low price? Please guide

[@sixpackabs2698]

BEAUTY WITH BRAIN...TOO GOOD REALLY...LOVE YOU...

[@soniasoren3188]

Any cons after holding it for 5years?

[@rithikdhar8243]

Mujhe bss ek baat poochni hai ki..main invest kr rha hun groww pe...aur long term ke liye hi. Ab SGB Krna hai long term ke liye groww se hi lekin konsa SGB lene chahiye mujhe ..kyonki bhut sara option aa rhe hai???.....please help

[@hallsofivy128]

Hi i have 1 qn here If we purchase SGB from bank and hold for 5years Post that After 8 years we would be getting th3 SGBs credited in our bank automatically right or we have to sell those

[@tekams2160]

I watched this video till the end. Still i didn't find the reason for long term investors to not to invest in SGB

[@onceajordan]

Many. It’s a paper with no backing. The interest is taxable. At time of emergency you cannot use it.

[@shriharikulkarni07]

@@onceajordan You can get a loan on it...

[@siv187]

You will get just 2.5 interest. Gold mutual funds will give better than that. And if you want you can redeem at any time.

[@netprashant]

Thanks for sharing very helpful information. Can you please guide how to redeem these bonds after 5 years. I had purchased it from my local SBI branch and now they are completely cluless. Any guidance will be highly appreciated!

[@Ram-l6u]

apka rate kitna tha at the time of your purchase? and you must be reedeming it from rbi else you might not get the tax relief on capital gain.

[@harmanbhatia5599]

8 years ke baad tax free hota hai

[@ranjitasahoo3762]

Reedem kaise karengey 5 or 8 years ke baad upstox se, plz help

[@AbhijitChandekar]

Sgb r good for gold collection for child marriage. In India gold still rocks in marriages u see

[@rowshanalam9585]

First off all , I am your Big fann ..... unexpected .....jabra fan ......❤🔥😎 apppp please mujhe bataye ki app kis bank me account ha taki me v usi bank me account khol saku plzzzzzz bataye .... plz .... BIG FAN....💌🔥 PLEASE DON'T IGNORE MY COMMENT 😢

[@harshnama5168]

Hello, very informative thank you. I just need a suggestion that I want to invest 25 lakhs. But I am not sure that should I invest in physical 24 carat gold biscuit or SGB. I want it for long term like 20 to 25 years. Please suggest.

[@hadeskerbecs250]

Okay here is it tricky , sgb is always better as no making charges, no stealing , security by RBI ... Problem is it's maximum period is 7 years... It means after 7 years you can't continue even if you want, RBI will pay you money , so you have to buy again after 7 years with increased gold price ,so yeah if 20 years go for physical and hide it in robinson cruso's Island 😂, but if 5-7 years then sgb

[@lessradical]

Govt brought SGB to reduce the import bill on gold as govt. had to let go a lot of dollars from their hands ..... Investment by people on physical gold does not participate in development of economy, that's another reason for bringing this . Atleast govt. Is giving some interest on it .....

[@jayahalder9936]

I'm a new investor. I tried investing in gold on gpay platform and got 22%return within 1 year. SGB will be better than gpay? Please guide

[@prasadsonu1]

Baba, thoda to mehnat karna padega. Smart buyer naye issue ka wait karne se jyada secondary market prefer kar rahe the till now. Because jo issues 5300 ke the wo 4700/5000 me mil rahe the unme 2.5% ka interest to 5300 ke hisab se tha. Yes now maybe it could be wiser when this difference will be minimal or imbalanced. And also, this is not emergency funds so long term invest karna hai to hi this makes sense every investor must be aware of it. Also, to minimise this there is way, u should go ahead with comparatively most liquid issue (till now it was SGBAUG28V) and u may need to shift ur capital in another issue as per the first point of the comment. Anyways, I like your content very much as it have in depth analysis of many financial subjects. Yes this one was not upto the mark. Nice work though👍🏻.

[@CA.Deepanshu]

Bro if we buy Sgu from secondary market than how will the 2.5% interest will be given to us.

[@vishwanatha3304]

Hi, whether interest recd under SGB is taxable?

[@Deepvlogs7099]

Yes

[@vishwanatha3304]

@@Deepvlogs7099 thanks

[@RajeshThakur-ul4vi]

50 rs. Discount is on only online purchase pf bonds..secondly captial gains tax is exempted if hold bonds till maturity ...so please rectify

[@vikashagarwal8082]

Please clarify me.. if I applied, is it necessary to get the sgb allotment or there is any limitations on issue size by the RBI. BECAUSE I Applied for 50 GM and didn't get the allotment

[@findingpeace362]

I have one query , Suppose today the market rate of gold is 50k per 10gm and i bought the sgb at that rate And after 5 years the gold rose above to 70k per 10gk So will i be getting the money according to new rates or the old rate in which i bought ?

[@ritikgarg9887]

New rates

[@onceajordan]

Yeah but it can fall down also!

[@AmarSingh-vo7py]

​@@onceajordan never happened since 1964 check the gold prices of different year's..!!

[@onceajordan]

@@AmarSingh-vo7py you are right, but it has been at 0% for a decade in 90s, that part you ignored? Moreover you are forced to sell irrespective of cyclical nature of market.

[@pavankumar-zf9vg]

I have physical sgbs...after maturity will amount automatically credit in my bank account...plz do reply

[@kanhiyamishra6658]

😂 you are just finding your way to present SGB in different style in front of us ,,

[@amitdeshmukh1064]

After 8 years, how to redeem them? How money is transferred to account?

[@shambunampoothiri8112]

Direct to your account which you give while taking SGB

[@sumitd4u]

Is It Auto Redeem Or We have to do some process?

[@2_baatein]

​@@sumitd4uauto redeem

[@surenderbaswana8362]

Very informative and helpful. Thanks a lot.

[@arpitg27]

Ab kya kar sakte hai SGB me ? Kya SGB buy lie hue bech dene chaiye ? Or Buy karne chaiye jo market me dikh re hai ? Please guide about what to avoid and decision of current holding of SGB

[@chitrakootrajapur0273]

Kya SGB me sip ke jaise invest kiya jata hai,aur agar Maine 1sgb 2023 aur 2sgb 2024 me kiya to kya dono ki maturity ak sath hogi ya alag alag.replay anyone

[@yashasvikumar9244]

Secondary market se agar hum sgb khreedein to interest issue price pe milta rahega ya current price pe?

[@RohitKumar-ji8lk]

You get interest on the face value of SGB and not on current value. Check the calculation done. Search rahul jain SGB, it's explained with excel calculation. It's good. I think in secondary market, you get old SGB in nearly same today's SGB price and less maturity like 3yrs which is good. No?

[@ShreejRam]

Can any one tell me if I invest in Gold Mutual fund, then I can get compund interest on that ?

[@pmsurat]

5 to 10 % discount pe purchase kar ke 8 years tak hold kare to best option hai? what do you say?

[@sagardhiman4949]

She is not even having all the benefits of holding sgb till their maturity and just confusing other innocent investors 😂😂 I just feel sorry for her

[@DurgeshSharma-oz2xb]

She has done half baked research. I have been investing in SGB for long time. Lot of it purchased from secondry market as well with marginal discounts. It is meant to be a long term asset and it is giving very good returns without risk.

[@sagardhiman4949]

@@DurgeshSharma-oz2xb and major benefit is when the maturity of 29 serial will come , at maturity price will be equal to actual market price of gold

[@MrGuddulove]

Whether Phonepe digital gold sip is good to start?

[@shivangagrawal2923]

Like if we invest in SGB and redeem it after 5 years then we get profit (tax free) and tax on 2.5 % ? Please clear my doubt.

[@fatemamomin6944]

Thank u gor valuable information

[@riteshpuley4359]

That was super knowledge thanx

[@makokolay6267]

Do we need to invest every month Or just we can invest 1 time and hold for 5yrs

[@ArshadHussain-cp4vc]

What if I don't want to sell it before 5 years, fo6r a long term investment perspective should I go with it?

[@ssingh8726]

First thing.. SGB are not stocks and not ment for trading. They are for long term investment. Second physical gold, gold etf, digital gold everywhere you have to sell with some discount so sgb are far better than any of these.

[@luvsij]

Is buying gold from gullak is good option versus buying gold from sgb

[@shivkumarmishra1093]

Mam, you told us about negative or less return selling after aftr 5 years, you missed to tell us the benefits for selling after 8 years...please give complete information.

[@Yogal.Mansi.Limbu.2018]

Thanks sister for such a informatives videos🙏🙏🙏

[@shankhasaha6369]

One point which came to my mind while trying to understand SGB, do i need to pay any capital gain tax in case I buy SGB from the secondary market & hold it till maturity which may be less than 5 years from the point I buy the SGB from the secondary market.

[@kshitizaggarwal4402]

No

[@kanetakazi1396]

Hii ma'am kiya mobile se online account kholna sahi hoga plzzz reply me

[@adityachandrasinha5118]

Please don't mislead the people. Putting Thumbnail -You are trapped.

[@dilowarhussain]

Misguided video, I have SGB and the purpose of holding it is not to sell before 5 years at any cost . Why would anyone buy sgb if he has to sell it before Maturity

[@pareshvanawala2796]

I ALWAYS GO FOR LONG TERM INVESTMENT. SO I CHOOSE SGB

[@nitheeshkv3693]

Mam, 6th March I was going to buy Sgb the IV series through Zerodha coin so one unit of Sgb is showing 5560 (why rate is high)today’s gold rate is around 5150 for one gram it’s around 400 rupees more than the actual rate for the sgb then what’s the benefit of buy so Please advise 🙏

[@mukundasmedari9880]

You could have seen 22k price, 24k is around ~5560

[@nitheeshkv3693]

(so Sgb issue 24k gold )Thanks for the information

[@ayushiparsheera]

Spitting truth. Subscribed

[@AnjishnuSinha]

Very biased views….when I know beforehand that I am investing for atleast 5 years and more why would I want to sell it in the 1st place. Also if I am not sure for keeping it so long then ill think of something else. Thora ajeeb wala claims laga…..

[@krinamashruwala1621]

I am looking to invest for my daughter who is 3 months old ..I want to invest for minimum 15 years so in that case sgbs will not work due to risk of reinvesting after 8 years so can I purchase gold coin or biscuit ?

[@BindusPoint]

keep it for 8 years and then take money and buy gold than saving gold for 15 years.

[@MerkyDigitalTelugu]

Physical gold is best coz easily get 10% annual return..if you keep it in brick form.. Not making jewellery..

[@akhileshsingh5597]

Please tell how to change sgb linked bank account, I have purchased through groww app

[@harjitsingh6866]

Could anyone share one's experience of getting total।return on SGB?

[@VikashKumar-kp5wh]

So then what is the best way to invest in gold

[@sawab274]

Ma'am interest principal amount pe milta hai ya fir compound pe milta hai? I mean agr maine aaj 50000 ka gold lia to 50000 pe 2.5% har year milega ya fir current year ke rates ke hisab se interest milega. Like next year mano ki gold ki value 5000 badh gayi to fir us 5000 pe bhi interest milega kya?

[@arpitadasgupta8251]

Principal amount

[@sawab274]

@@arpitadasgupta8251 thanks

[@nirajkhatri9902]

Mera SGB mature hue 10 din hgya h but amount received nhi hua h abi tk.. pls tell me what should I do

[@naved.anjumofficial]

Jiske naam se SGB liya ho aur unki death ho jaye to kya hoga?? SGB me insurance bhi hota hai kya?? Plz clear...

[@RahulbhaiSolanki]

सॉवरेन गोल्ड बांड के लिए संयुक्त खाता/joint account होना अनिवार्य है?

[@SoniyaKori-eb3ke]

Instead of giving making charges , gst and locker charge for gold . One should go for SGB

[@srivenibg]

Hi madam, I have invested in sgb through hdfc bank through netbanking, and I have received gold bond certificate through email. After 8 years, Do i need to sell in the secondary market or will amount directly credited into my bank account after 8 years?

[@Deepvlogs7099]

Amount credited in your account after 8 years.

[@sindhujanardan7120]

The discount/rebate of rs.50 per gm is applicable only if one buys directly online and with a demat account. If you buy thru post office/ designated bank, you don't get this discount.

[@poojasharma-qr4pp]

What if we buy from sec. Market at discounted rate????

[@Milan016]

Mam if I buy SGB from secondary market,where I see SGB certificate?

[@RanjanaAgarwal-u5k]

Can you please make a video on gulak+ vs SGB ?

[@richaverma7399]

Is there profit when we redeem the sgb after 8 years.....is it more than mutual funds??

[@vasudeochaturvedi8681]

What is the procedure of change of account , where half yearly interest of SGB is being credited. As the account is closed.

[@bidhandebnath5110]

Mam, Swing trading oppertunaty gulluck smallcase ko agar briefly samjha denge to helpfull rahung... Kya smallcase ka koi castomer care number nehi hai kya...

[@bekifaayati]

We will try to cover this in our future videos.

[@bidhandebnath5110]

Thank you mam....!!

[@mrsam1999]

So even after waiting 5 years in SGBs..I have to wait another 6 months to sell ?

[@tusharjaiswal1463]

Kya SGB ko mortgage rakh ke home loan milta hai????

[@basics695]

Sgb khride knha se ye to batao Sgb ke lie best platform konsa h

[@sushantsingh6120]

A dedicated video on gold mutual funds. Please

[@bekifaayati]

Sure, we will try to cover this in our future videos.

[@codecrush910]

I want to invest 5000 every month in gold can i do it with sgb and is it worth it?

[@mulrajpatel180]

Is interest income taxable ?

[@TheVinodkumar2692]

Yes

[@ChitogeChitogeK]

Gold was never been something people buy and sell daily 🎉

[@dheerendragupta3462]

didi SGB long term k liye hi hai.

[@vinayp20211]

If we buy SGB from secondary market and hold it till maturity, is returns taxable?? Pls clarify doubt madam

[@ss-nb8um]

kzbin.info/www/bejne/baiTZ3Sci9KXipI See this

[@Ranganth09]

Taxable as per slab

[@rohitkuchhal3887]

Hum apna personal gold bhi sgb mai invest kar sakte h kya

[@abhijeetkushwaha9240]

SGB is not good for Very Long Time Investment क्योंकि 8 साल से ज्यादा हम इसे hold कर के नही रख सकते, ये automaric redreem हो जाता हैं। I am right mam?

[@gaurav5800]

Redeem hoga toh fir buy karlena woh time, jab long term hi rakhna hai toh dikat kya hai usme