A complete guide to gold investment | Money Psychology

[@G-hostKL]

<a href="#" class="seekto" data-time="495">8:15</a> Sir I would like to add something here If you buy gold coins making charges will drop to 3to4 % but if you are buying for wedding purpose and you need the jewellery better buy gold in gold scheme that will give you at least making charges discount of 10 to 14 % some even give 0 % making charges ( depend on which store you buy from ) and if you smart enough buy jewellery that’s having making charges below 14 % that will bring the making cost to 0. <a href="#" class="seekto" data-time="757">12:37</a> thank you for taking me back in time man I loved this show in DD2

[@UmangGalaiya]

Should include a row for tax implications upon selling.

[@Zero1byZerodha]

Here’s a detailed explanation of the taxes applicable to various gold investment options: docs.google.com/document/d/10t-JADG80HDPZPuSe6fiYeNZ103ioRJ2zuGMZ1a1c7E/edit

[@onlydubz558]

@@Zero1byZerodha thank you :)

[@UmangGalaiya]

@@Zero1byZerodha thanks!

[@aviralsingh7158]

This is one of the best explainers on gold which I have seen. No surprises it is coming from Zero1

[@AthifKhan]

Yes I even I felt they missed out on that critical part. That would have made the video complete

[@Mindsetofinvestor]

Prateek sir aapke video dekh ke me english sikh rha hu, but phir bhi dhanyawad in hindi 😊😊😊

[@Zero1byZerodha]

Mujhe yeh sun kar bahut Achha laga. Thank you. Fir milenge comment section mein :)

[@Mindsetofinvestor]

@@Zero1byZerodha 😃 jarur prateek sir

[@anshulgoyal8972]

Physical Gold is the best. In case of any terrorist attack or country going bankrupt, like Srilanka, Pakistan, Mayanmar, Now the latest one being Bangladesh, stock market crashes or is inaccessible, Land you can't take and run. for physical gold put it in bag and run away anywhere. globally accepted and easily tradable anywhere.

[@Iamniyas17]

Similarly anyone can steal it

[@Yashrupareliya_]

Great video, unlike others, I love how you really guide on how to lead a happy, fruitful & satisfied life instead of materialistic one. Highly appreciated 🙏❤️

[@Zero1byZerodha]

Thank you ❤️❤️

[@prrshnt]

SGB is discontinued unofficially. No fresh issue since Feb 2024.

[@manujohn99]

hmmm......

[@prrshnt]

@@paggi93 you still can buy SGB issues on NSE or BSE. Latest issues will be more beneficial to purchase

[@mahipdeva3543]

Makes sense

[@aalhere]

In the recent budget, 18,500 crores have been allocated for SGB issuance, so we should expect fresh issues in the near future.

[@shubhamkant_]

Wtf really

[@technofete]

Nice funny plot to start with 😂😂

[@Zero1byZerodha]

Thank you 🙌

[@Shubham_Toshniwal]

Prateek sir ko bribe karne ka tareeka thoda causal hai!!😂😂 I really love a such edutainment type of content! ❤❤

[@Zero1byZerodha]

😂😂😂

[@neilbotelho]

A discussion on the tax would be very helpful. Given recent regulation changes its a bit confusing

[@Zero1byZerodha]

Here’s a detailed explanation of the taxes applicable to various gold investment options: docs.google.com/document/d/10t-JADG80HDPZPuSe6fiYeNZ103ioRJ2zuGMZ1a1c7E/edit

[@neilbotelho]

@@Zero1byZerodha thank you!

[@UvUtkarsh]

@@Zero1byZerodha The doc looks quite confusing or may be I am confused. Either one of the things can be true: time frame (>1 years, >2 years) or short/long term capital gains tax, isn't it ? Just like in stocks less than 1 year is short term otherwise long term. Isn't it? Or am I missing something?

[@gauravguptaa3]

Gold is must to have in your portfolio. Because not only individuals but govts/central banks are continously devaluing their currencies and making gold as first choice as the storage of value, so it will go up, may do better than 10%

[@aviralsingh7158]

This is one of the best explainers on gold which i have seen. No doubt it is coming from Zero1

[@ishaand003]

The video didn’t go into detail about SGBs like how they can also be bought from secondary markets through stock brokers, how there’s also a 50 Rs discount per gram when they’re bought online from RBI, and how they can be redeemed after 5 years or be extended till 11 years It didn’t explain on the taxation for each of these methods of investing in gold Also, a suggestion - instead of using red-green flags it would be better to rate them and get a score at the end which would help make a better decision Love your videos but these are a few things I expect given the standards you’ve set

[@atharvbhosale1574]

<a href="#" class="seekto" data-time="31">0:31</a> that's how work is done 😂

[@Zero1byZerodha]

🤪

[@pratyush-patra]

Great video. You can sell SGB in trading account so you are wrong 😅. Consider buying SGB with other options like mutual fund and ETF. Liquidity is similar to ETF.

[@marcusaureliusfanboy]

Right. Adding to above, the liquidity is still bad in open market and even if you find a buyer, the price you get might be lower than market rates at that point in time.

[@Zero1byZerodha]

SGBs can be traded, but liquidity can sometimes be lower compared to ETFs. Thanks for sharing your thought😊

[@marcusaureliusfanboy]

@@Zero1byZerodha Also, I had read some articles about how government reduced import duty on gold when it was time for them to pay back the bonds. This is an interesting point against SGBs.

[@doonsmonk4079]

​@@marcusaureliusfanboy tax reduction will affect the price of every kind of gold not just SGB

[@writetovishal1]

​@@Zero1byZerodhaI have done quite a few trades in SGBs in secondary market. Yes liquidity is not as great compared to ETFs but not too bad either. You have not even covered this point. SGBs win hands down in this comparison!!

[@pranayreddysangala9837]

Please do a segment on diamonds. I believe that they are a very poor form of investment, However its hard to convince my family about it

[@deonsunny8773]

Why don't you take your family along to sell it and let them watch how the salesman devalues it before them?

[@aryanv1406]

That's a pretty good idea. Also take them to the bank on a pretense of taking a loan and see how the employee will throw the diamonds of how useless they are in taking a loan😂

[@nischalreddy27]

This is one of the good videos regarding gold investment. But, my preference would be always PHYSICAL GOLD.

[@Zero1byZerodha]

Glad that you liked the video. Would you like to share why you prefer physical gold over other options?

[@nischalreddy27]

I mean my perspective on buying physical gold is merely to have 24 carets in hand all the time. Day to day gold prices are also increasing. When you want to buy an ornament this 24 carets in the form of grams will help you to buy for a reasonable price since the rate may vary and going downtrend physical gold rate is very rare.

[@sharadchandragulawani1262]

Physical gold is something tangible, and actually available in your hands. Where as all other kinds of gold are in thin air, and only notional. In case of Total Systematic Collapse, like inundivided India in 1947, or 1990 in kashmir, or recently in Bangladesh, all other kind of gold will vanish, and will not worth the value of waste paper. Only Physical gold will come to rescue, provided you are shrewd enough to hold on to it.

[@devanshjain6171]

I think if we are using gold as safety net, then we should purchase physical gold considering its liquidity, everything stored digitally can sometime create a nightmare in emergencies, suppose we require money during market holidays, so we can't sell the ETF or Mutual Fund, and we don't get the whole amount in a single day from ETFs, the physical gold can be sold even at the night time. Stocks, ETFs, Mutual Funds, Bonds are great investment tools for long terms but for emergencies gold, silver are best due their liquidity.

[@aryankamath4409]

kya bol raha hai bhai poore paise nahi chahiye honge toh gold ko chocolate ke tarah todke bechega kya

[@devanshjain6171]

@@aryankamath4409 Nahi bhai, gold biscuits buy kar sakte ho, Jitna required ho utna sell kar dena. Plus biscuits per making charges kam rehta hai compared to gold jewellery.

[@aryanv1406]

It takes around 5-10 years just to recover the making charges of physical gold specially the jewellery and banks reduce that cost in case you require a mortgage. If you want for emergencies then keep in a savings account or as digital gold which doesn't stop may it be 2AM on a Sunday.

[@Sidgd1987]

Was really thinking about buying digital gold, but was a bit confused, Thanks for making this! Really appreciate your content.

[@Zero1byZerodha]

❤

[@davidgera10]

In some states, Gold will not be seen only as investment. It would be their wish to wear gold and also it makes them very happy. For them you can definitely go to jewellery. Don’t throw your dreams away for small percentage of profit🎉🎉.

[@Zero1byZerodha]

Hey! Here’s a detailed explanation of the taxes applicable to various gold investment options: docs.google.com/document/d/10t-JADG80HDPZPuSe6fiYeNZ103ioRJ2zuGMZ1a1c7E/edit

[@aayushtheapple]

It shows access denined. Please make it public. Btw, Thank you for the great video!

[@UmangGalaiya]

@@Zero1byZerodha Doc requires access. Please open it to the public.

[@UmangGalaiya]

@@Zero1byZerodha We don't have read access either

[@Zero1byZerodha]

Please refresh and check!

[@UmangGalaiya]

@@Zero1byZerodha Works now. Thanks!

[@AthifKhan]

A bloody great video however missed out on the crucial part of Tax Implications while selling. The new girl adds a different dynamic to these Informational videos and is a really good fit. Keep up the great work.

[@Zero1byZerodha]

Glad that you liked the video ❤ Here’s a detailed explanation of the taxes applicable to various gold investment options: docs.google.com/document/d/10t-JADG80HDPZPuSe6fiYeNZ103ioRJ2zuGMZ1a1c7E/edit

[@sharadrough]

SGBs are also traded in stock market like shares. you cab buy them and sell any time. liquidity concerns are there though sometimes

[@kalpeshbhanushali7172]

I've started purchasing gold coins, mostly 1 to 5 grams, through online platforms like Flipkart and Amazon from reputed seller like Malabar, brpl for a marriage goal in 2 years. With applicable card discounts, I'm getting them for less than the market price. For example, if the market rate is ₹7500 per gram of 24k, I’m getting it at ₹7250, including 3% GST. At the time of marriage, I will only need to pay making charges, with no GST or capital gains tax, unlike ETFs

[@madmax7895]

Hope they are genuine.please get a purity test done on the coins for your benefit

[@kalpeshbhanushali7172]

@@madmax7895 thanks, will get it checked, very sure abt purity as coins r directly supplied by Malabar & banglore refinery but will sure chk

[@rahulkonda2492]

Wealth is not Happiness, But Happiness is wealth! ❤... Nice video prateek 😄 and @zero1

[@Zero1byZerodha]

💯 True wealth is enjoying the little moments. Thanks for the love! 😊

[@vignesb]

Gold physical or goldbees must have in portfolio. Hedge against inflation. Tracks usd rates.

[@GuruChauhan]

SGB"s are traded at stock exchange like ETF. Just the ticket size is high.

[@rajchheda6947]

correct but SGBs are thinly traded and ETFs would be better option for liquidity needs

[@rajchheda6947]

Gold mutual fund has double layer of fees, so in that case wouldn't the ETF make more sense? Also gold makes a lot of sense in that its a really good hedge against the traditional asset classes. 20% of the portfolio seems to be the sweet spot

[@SujitGawand0001]

the ring grab was so much funny... 🤣🤣🤣🤣🤣🤣

[@Zero1byZerodha]

😂😂😂 truth captured on camera

[@migxmadhur4495]

Thank you so much Prathik ji. I am literally thinking of buying Gold ETF or physical gold. ❤

[@KamilSkaski]

Awesome video! I’ve been wanting to create content like this on my channel for a while now. Your unique approach really inspires me-thanks for sharing!

[@ToonXTech]

meanwhile me Only thinks gold is best option to get loans with low interest rate at govt banks or co operative banks.. 8% per annum....

[@Jammy-fn5cb]

Very nice and detailed explanation for gold investment Thanks a lot 🙏

[@Zero1byZerodha]

❤❤

[@adityamehra.x]

Loved this style of the video!

[@Zero1byZerodha]

Thanks for the love ❤

[@Leo-pentos]

I think physical gold could have been split into pure & ornaments.

[@skin_and_everything]

Buying physical gold is risky in many ways but we do not pay tax on the price appreciation unlike digital gold in mutual funds

[@mayankjain1409]

Please make a video on SGBs, and when can we expect the next issue from government

[@chaitanyatejas9561]

the time when Im watched this video, gold is trading at 79k all time high

[@dalpatchaudhary8736]

Better short ITM puts of GOLD every month on mcx and keep rolling up 🎉

[@Guiding100]

Sgb makes better sense in term of investment... As it yield extra 2.5% interest

[@08pkz]

is there going to be a next sgb tranche anytime soon? or should we invest via etf?😅

[@gauravguptaa3]

Etf

[@georgythomas8451]

Nope. Because its actually not profitable for the govt. Its actually good only for the Bond Holder😂. Just like a casino, if the House is at a disadvantage, they ban it😂😂

[@harishrajasekaran]

Awesome video on Investing in gold .. my investment is spread over all except for digital gold....Physical gold I would go for schems so there is reduction in making charges, Digital gold iam juz not comfortable in investing in ..ETFs, MF, and SGB as SIPs and If I could save some bulk then SGB if available at the time..

[@Zero1byZerodha]

Happy to hear that you’ve diversified your gold investments so thoughtfully!

[@harishrajasekaran]

🙌 Thanks to Varsity Education

[@piyushjain4349]

It's amazing 🤩 content is super rich i can say❤❤❤

[@LaraCroft14]

But Prateek sir, will Gold ETFs and Gold Mutual Funds honour their value in times of war and crisis and global recession, when it hits India? Because, historically physical Gold gave us stability and good value, even during bad times of markets... Btw, Family and their comfort, happiness matters the most... Most of us are trying to get rich just to provide our family with comfort, luxury and world class education to kids...❤😊

[@KPS_04]

Excellent video. I was infact researching about this topic over the past week so thank you very much. It would have been better if you had covered the taxation part on selling the gold as well. Btw I would prefer a gold MF over a gold ETF just for the sake of convenience (I am ok paying 0.1% expense ratio to the AMC for this). I would ideally prefer an SGB and don't mind the 8 years lock in period, although the govt hasn't announced new series. Some reports say that the govt might do away with SGB's as they need to pay us the 2.5% interest which is an additional burden for them. Is this true?

[@TheHardik1110]

Physical gold (other than ornaments) is also a good option. Because in difficult times nothing can be compared to physical gold. You can satrt accumulation by adding 1 gm coin anytime you have capital.

[@jobz9150]

Fun fact: There's an episode of Duck Tales wherein Uncle Scrooge explains how money works, to his grandkids.

[@Zero1byZerodha]

Oh man will search for it

[@karanvirrkumar]

great explanation

[@Zero1byZerodha]

Thank you 🙌

[@ketkiambulkar9394]

Can you make a video on ltcg and is it really worth it

[@Zero1byZerodha]

Thanks for writing to us. Shared your suggestion with the content team. Stay tuned!

[@rinshadke]

I disagree that the cost of acquiring gold (purely as an investment) is 7-12% + 3% GST. Most of the jewellers (I only know about South) sells gold coins and biscuits (starting from 1 gram) only with 3% Making charge plus GST. Recently I purchased physical gold at 0% making charge also. Hence acquisition cost of Physical gold is actually lower than digital gold(compared to 6%).

[@jugalpopat8916]

Very informative

[@Zero1byZerodha]

Thank you 🙌

[@anilkumar-vx7it]

Good comparison sir.

[@Zero1byZerodha]

Thank you 🙌

[@jagadeeshsmash462]

Return should be one of the metric gst taxes all these things will be applied and affect the returns

[@FakharMastani]

Hey, just one question, in case of FoF Mutual funds are we charged expense ratio twice i.e for the ETF it invests in and the MF itself?

[@findoot]

Sgbs are no more an option however we cab trade them in the secondary market

[@SwapnilGusani]

You forgot to mention gains in SGB are tax free at maturity.

[@Zero1byZerodha]

Thanks for sharing that information here for everyone :)

[@SanjayLunayach]

Investing in gold is an another name of Hedging in the Equity Investments

[@ysak666]

Digital gold , you buy for one price exclude GST, but you sell for even lesser amount .

[@sueirajsingh]

Well SGB has been discontinued because government was the buyer side and in last last 10 years gold price Move way ahead than anticipated bcz of that government faced huge loss over it , Since It's comes with no extra risk except market volatility also security was backed by Government people money were heavily invested in this particular asset class . For more please refer Article published by RBI on Why Gold bond has been discontinued

[@IroncutCasper-ro8oy]

How about gullak, renting for 5% per year

[@08pkz]

wow, gullak is an interesting idea! how does this work? what are the risks?

[@SanJanJayadevan]

Am Paying 0.79% For My Gold ETF(Goldbees). But It's Super Liquid. Paying Extra 0.29% Over Category Average.

[@mesh1445]

Thanks

[@Zero1byZerodha]

👍

[@ToonXTech]

How about making videos about why Indian banks having High intrest rate like private lenders . Also with with mortgage /assets still it's about 13% +.. Please de influence this... Everyone needs to know this .. also why god damn intrest rates for low cibil vs high.. Point is when low CIBIL guy goes bank they offer with 24-33% interest rate and damn why govt not care about those when they collecting taxes.. bla bla if u understand my concern please make video on it .. really thanks a lot .. i check zero1 daily if you guys post new stuff ..😂❤

[@gauravguptaa3]

You forgot to discuss tax treatment for each option.

[@Zero1byZerodha]

Here’s a detailed explanation of the taxes applicable to various gold investment options: docs.google.com/document/d/10t-JADG80HDPZPuSe6fiYeNZ103ioRJ2zuGMZ1a1c7E/edit

[@uttiosaha4692]

Zero to 1 is becoming a Goldmine. But actually zerodha ETF has expense ratio of 0.3% quite low

[@SamiullahNaik143]

But its not mention in all video returns wise which one is better.

[@techien6212]

Gold is traditional hedge instrument from time immemorial, never lost its value. But at same time it cannot be hedge against inflation. But finally like uncle Scrooge, life is also about comforrtness and time is of essence..

[@arulkumarpv8398]

gold can be bought as coins too, that doesn't come with wastage. Also, Gold when also invested via certain 11 month programs with Jewellers waives off the VA (aka wastage) charges. That means, its only 3% GST. I think, those key points are missed out for physical gold. This way as coins or through Programs, cost is less. And the minimum amount to invest is 1g and not 73000 as said. Complete picture to be shared, as we trust you. These vital points are missing and projecting physical gold with many red flags. not entirely true.

[@AsishKar9000]

The Making Charges are ₹650/gm to ₹750/gm in my area.

[@Zero1byZerodha]

Thanks for sharing, interesting

[@dineshbalu711]

SGBs are always available in secondary market.

[@Zero1byZerodha]

Correct!

[@prathameshrathi3866]

Why are u in including sgb, they are anyway not available in primary.

[@rajurajeevan2653]

Bro please discuss about gold leasing, Gullak app

[@sumanmitra202]

I think SGB is no more an option, its not being issued anymore.

[@gaganahari4641]

I just want to keep gold as mortgage then use loan money to buy more gold

[@Zero1byZerodha]

Sounds interesting! But what’s the plan if gold prices drop? 🤔

[@AkshaykumarSonigara]

Should Include Capital Gains as well.

[@Zero1byZerodha]

Here’s a detailed explanation of the taxes applicable to various gold investment options: docs.google.com/document/d/10t-JADG80HDPZPuSe6fiYeNZ103ioRJ2zuGMZ1a1c7E/edit

[@Jyyo]

Gold didn’t appreciate, currency depreciated 😂, but as one wise man once said “who said facts are facts”

[@Zero1byZerodha]

Good point! It’s less about gold’s price going up and more about it holding its value when currency drops. 👍

[@Roiling-gc8ll]

The ways are known, I guess the video should have added different aspects like taxation and other things.

[@Zero1byZerodha]

Here’s a detailed explanation of the taxes applicable to various gold investment options: docs.google.com/document/d/10t-JADG80HDPZPuSe6fiYeNZ103ioRJ2zuGMZ1a1c7E/edit

[@Zero1byZerodha]

Check the detailed explanation of the taxes applicable to various gold investment options: docs.google.com/document/d/10t-JADG80HDPZPuSe6fiYeNZ103ioRJ2zuGMZ1a1c7E/edit

[@Roiling-gc8ll]

@@Zero1byZerodha Thank you for sharing this.

[@masaaldosey]

something nice

[@kamleshnagrani3126]

Jhappi lehri 😂😂

[@Skz716]

Sir your fees is a bit high for us middle class PPL. Great that he was hiding the camera and asking you to look at the book and explain😅

[@Zero1byZerodha]

😂😂

[@lokitvivin-z6r]

Any one suggest gold etf bw Nippon gold bees vs mirae asset gold etf

[@Impriyadarshan]

Video editing issue. Feels like voice volume is less and background music irritates

[@suprobhosantra]

Where is the taxation part?? Not expected from zerodha!

[@Zero1byZerodha]

Hey! Here’s a detailed explanation of the taxes applicable to various gold investment options: docs.google.com/document/d/10t-JADG80HDPZPuSe6fiYeNZ103ioRJ2zuGMZ1a1c7E/edit

[@radio657]

why is prateek audio so bad

[@sahilchamp]

Lights thodi jyada ho gyi.. on faces The audio is really muffled and bad quality

[@abhay9136]

Prologue was funny

[@Zero1byZerodha]

😂

[@Boyinthecircle]

What's 3D??

[@D.2601]

You may spend time with your children or grand children but if u want to ENJOY spending time with them & go to exotic places (<a href="#" class="seekto" data-time="770">12:50</a>)etc then you need real wealth (money) for all that…also no money no kids these days so😅

[@shuvampargal4754]

RIP SGB

[@Anooz_z_z]

TAX Benefit must have also been part of if if since its about wealth creation and it would be more insightful if it was included in comparison still good work and what a strategy marketing your own products and instead of spending on it earning from it legitimately be it Markets by zerodha, Zero1 by zerodha, Varsity etc. the way you are operating is really a case study material.

[@manujohn99]

Actually nothing makes sense, just do a little bit of everything & it will all be fine 🤷

[@narutokunn]

I swear I come here to learn but can't get past how beautiful Tanya (ji) is 😵‍💫

[@karniksharma8970]

Still nothing can beat physical gold

[@Zero1byZerodha]

Why do you feel that way? Is it because of the sense of security that comes with holding physical gold?

[@karniksharma8970]

@@Zero1byZerodha Yes and also 1. International Value : Physical gold can be liquidated anywhere 2. Later if you want some jewellery even you can use it there 3. You can get a Gold loan on it 4. Easily Transferrable 5. And one biggest advantage over anything you don't have to pay tax on selling gold can even get cash payment 😂... Yk what I'm talking about 6. And as per your video you mentioned theft but even an app can run away or a fund house can collapse/MF so red flag for all.... Afterall physical gold is not that bad before all digitalization physical gold was a pretty good way That's my opinion correct me if wrong

[@GuruChauhan]

Gold MF will double charge you for ETF they buy + their own Expense Ratio.

[@Desimunda003]

22k bolke bribe le liya babu bhaiya 😂

[@Zero1byZerodha]

😂😜

[@RAJDALIA0407]

Second 🎉🎉

[@raghavsomani4673]

Taxability laughing in the corner

[@Zero1byZerodha]

Hey! Here’s a detailed explanation of the taxes applicable to various gold investment options: docs.google.com/document/d/10t-JADG80HDPZPuSe6fiYeNZ103ioRJ2zuGMZ1a1c7E/edit

[@SujithVaikuntan-mn3cp]

Finally first 🥇🎉🎉🎉❤😂

[@hamloki2717]

Lets Cheat 😉

[@igoutam]

Audio 💩

[@jagadishcdoralmedicineradi8932]

aluminium was as expensive nearly as gold ,but came to dust as technology of making aluminium was made easy. Gold is sitting on a ticking bomb.