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Govt Schemes

33 Topics 63 Posts

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  • 3 Topics
    9 Posts
    R

    @Ishaan-Reddy Starting a PPF early can benefit you due to compounding and tax-free returns. However, if you're a young earner, you also want to keep some cash on hand for emergencies and skills training. The best move is to find a balance. You can allocate some money to a PPF for growth, but keep some funds in easily accessible savings or short-term options to secure your future. This way, you can ensure a secure future while still being covered for immediate needs.

  • 8 Topics
    15 Posts
    I

    If the benefits under Section 80C are reduced and traditional tax-saving tools lose relevance, shouldn’t we also reassess whether physical gold or ETFs actually improve our post-tax returns, liquidity, and risk balance compared to long-term debt options like PPF or NPS?

  • 3 Topics
    6 Posts
    S

    The gold and silver market is very volatile, so diversifying bonds is a very good idea for risk reduction, but over-diversifying can reduce fixed income stability and will increase complexity. Before investing, keep these things in mind:

    Bonds offer a fixed interest rate, but gold and silver won't (unless you invest in SGBs).

    Gold is still a safe option, but silver's price fluctuates a lot because of industrial demands. This all will create more price fluctuations in your overall portfolio.

    When you sell gold and silver, there is a capital gains tax, which is different from the bond taxation system.

    If your primary goal is stability and income, then you should rethink investing this much in gold and silver. I suggest you invest in Sovereign Gold Bonds (SGBs) as they are more tax-efficient.

  • 4 Topics
    11 Posts
    D

    But @Siddarth tell me, don't their absolute liquidity and lack of market price volatility make them superior to longer-term bonds for income investors who might need to access capital quickly without incurring losses?

  • 14 Topics
    19 Posts
    R

    If Sukanya offers safety and tax-free returns but limits liquidity and growth, should I reconsider how much long-term equity exposure I actually need? Would a balanced SIP-based portfolio potentially outperform SSY while still helping me meet future education or marriage goals?