Gold ETFs or PPF

[Naveen]

Given that Section 80C seems somewhat outdated, I’m re-evaluating my approach. Should I continue with PPF and traditional debt, or do Gold ETFs offer better post-tax returns, inflation protection, and flexibility in the current tax climate?

[Siddarth]

It's easy to get distracted by new rules, but 80C is still very much alive for FY2025-26. PPF is still a "must-have" for most people because the returns are tax-free, though it’s definitely a long-term play. Gold ETFs are a great way to spice up the portfolio, especially after the year they just had, but watch out for that 12.5% tax. If I were you, I'd stick with PPF as the foundation and use a little bit of gold as an inflation hedge. It provides a nice mix of safety and growth.