But with Mumbai's rental yields at 2–3% and stamp duty at 5–6%, how can I explain the significant cash flow gap during the waiting period for redevelopment? With so many cessed buildings struggling to obtain full society consent, is this really a safe bet for me?

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?