Get Regular income from Gold | कैसे कमाएं Gold से Profit - YouTube

Gold, from childhood, we're taught the importance of gold

it's everyone's dream to have all the gold.

We Indians love gold so much, that Indians have the most of all gold in the world.

So in this video, we'll find out the safest

most convenient and profitable way, of buying gold.

First let's find out, what difficulties people face when buying gold

and find solutions, of all the problems.

So in the past 70-80 years gold has given 11-12% in return,

more than FD and other traditional instruments,

So gold is indeed a good investment option

but when we are calculating this return, 10%-11%-12%

we're not thinking of the storing and other charges.

First, making charges.

If you take jewelry, the making charges are very high,

but if you take gold coins, they also have to make charges

and this making charges, eat your returns.

Because, when you sell it, you are getting the price of the gold, not making charges.

With that, we are always concerned about the gold's purity

if you take it from an unbranded, small store

then, who knows if the gold price is genuine or not.

And if bought from a big branded store, where purity is guaranteed

but making charges are high.

So like this, we don't know, to go with purity or low-making charges.

Third, you bought good, pure gold

but don't know, how to keep the safety of it.

If left at home, then there's a fear of stealing

and gold is also not fully safe in bank lockers.

So thought of keeping the gold safe, is always in our minds

and for this reason, people don't buy much gold.

If you bought gold in jewelry, then it goes out of fashion, every few years,

so again, melt and rebuilt it, and give making charges every time

or at least you have to polish it, so polishing charges are there.

like this, there are many expenses and maintenance charges, before and after buying gold

which worsens gold's return.

But do you know the worst thing?

The worst thing is, that you bought gold

unless you sell it, you don't make any money

it doesn’t give regular income like property, or dividends like shares.

Whatever gold you have, you can't make a living

until you sell it, and how to do that?

So let's find out, that all the problems that I told

what are the solutions.

There’s a government scheme, called, "SOVEREIGN GOLD BOND".

It started a few years ago, maybe you have heard about it

in this, you can keep gold as a certificate, in your Demat account,

Demat account means, where your shares and mutual funds are stored

your gold will also be stored there.

As this will be in a certificate form and will be in your Demat account

so no chances of stealing, everything is safe in Demat account

so you don't have to think of bank lockers.

You bought gold in Sovereign Gold Bond, and it's completely safe.

Now second thing is purity

Because this Sovereign Gold Bond is government-issued

when you'll sell it, RBI has given a fixed limit,

if you buy Sovereign Gold Bond, you can give it back to RBI, after some years.

So if you give RBI that certificate back

then RBI will give, that current times gold price,

as today you bought gold on 2018

and giving it back to RBI at 2026,

then you will get the full gold value as of 2026.

As this certificate is government issued,

so there's no chance forgery or not getting full money back.

So for your safety and purity problems are ended.

So as this is a paper certificate, not any gold coin or a jewelry

so there is no question of making charge

making charge is saved.

And, because it's an electronic certificate

so there's no need for polishing or no the tension of keeping that paper safe

But, what is that one thing, which makes it the best way of buying gold,

think think! OK, I'll tell you.

If you take Sovereign Gold Bond, then the amount of gold that you bought

just like buying 1gm or 10gm gold,

if you take 10gm certificate, which is around Rs-30,000

on that Rs-30,000, you'll get 2.75% interest, every year.

This means when you will sell the gold

so according to that times prices, you'll definitely get

as long as you keep that certificate

you will also get 2.75% interest, on your gold, every year.

So not only gold will make you money on selling,

also will give regular income,

on twice a year, on you account.

So the biggest problem with gold was, that it didn't give any earning lying down

with this scheme, that problem is solved.

Now gold will give you regular income.

But the good news doesn’t end here,

do you know the second good thing about this scheme?

Whenever you sell or redeem that certificate to RBI.

So everything that you earned on the gold's value,

if you buying Rs-30,000 gold and selling it for Rs-60,000-70,000, after 8 years.

So this Rs-40,000, that you made, you don't have to pay any tax, zero tax!

not a single rupee will a government agency charge you.

So that whole profit will be only yours.

Then, how can you buy Sovereign Gold Bond?

See the government opens Sovereign Gold Bond,

two or three times, for subscription

takes money from public, two or three times.

Then you can buy it.

How can you buy it? Through your bank

you can go to the bank and submit an application,

the will tell you, and also on their websites,

they will tell, when is Sovereign Gold Bond opening for a subscription.

Then you can buy it.

Other than that, you have to keep in mind one thing,

if you buy Sovereign Gold Bond today

you have to stay with it for 8 years,

which means, after 8 years, RBI will take it back from you.

But there's one thing to keep in mind

that, this bond's maturity is of 8 years,

so RBI will take it back from you and give you the value for it.

There are other options like you can redeem your certificate after 5 years

But for the next 3 years, that is 6th,7th,8th year,

then you will not get any interest.

But, at any cost, for 5 years

if you buy the certificate, you have to keep it,

which is called "Lock In".

But, is there really 5 years lock in?

You have a second option

If you want, you can sell your certificates at the stock exchange,

You can buy it today and sell it in a few days.

As if now there's no open subscription, but you need Sovereign Gold Bond now

so you can buy Sovereign Gold Bond from the stock market.

Many sellers like, who bought and kept it,

they don't have to wait for 5-8 years, so they keep selling their bonds.

So you can buy those bonds too.

So one way, like shares, you can Sovereign Gold Bonds buy anytime,

or sell anytime, but the difference is

if you want to wait for 5 to 8 years

then RBI will eventually take these bonds off you, and will give your money to you.

and will pay according to that times gold value.

But, if you don't want to wait for 5 years, then RBI won't take them from you

RBI will take after 5 years, then you'll have to sell it on the share market.

You will need a seller if you want to sell,

but there is none and there's no liquidity

so you can't sell, but it happens less, but it can.

And second, you have to sell it at the share market's rate.

It's not necessary, that the market's gold rate will be same for your bond will be same of the share market.

Like nowadays, this bond's rate is less at the secondary market.

Where 10gm Gold's market rate is at Rs-30,000,

at the secondary market or stock market, it's rate is around Rs-26,000 to Rs-27,000.

So if you buy from the government, and sell at the stock market, then you're having a loss, in today's date.

And one problem here is

every broker, like Zerodha and many other brokers

they don't give the option of buying a Sovereign Gold Bond.

They don't have the system to buy Sovereign Gold Bonds, like you buy shares.

So only some brokers have the system.

Then one option is, that you buy the bond

if your broker offers it, then buy from the stock market

or buy it when the government offers it,

and keep it for 8 years, so you get 8 years of interest

and redeem it after 8 years, when its price goes up.

So keep it and forget it for 8 years.

A very good scheme, better than buying physical gold, more safe, efficient, and profitable.

So as I told in this video, do you need to buy Sovereign Gold Bond or not.

Like that, you can watch this video, where I’m telling you

should you take life insurance or not?

And if yes, then which life insurance to pick?

This video will help you, must watch it

you'll find the link, in the description.

And with that, if you have any questions related in

the stock market, mutual funds, insurance and any other financial instrument.

Then comment fast

I and my whole team are ready to give answers all of your questions, quickly.

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Do you want to make a lot of money out of it?

And want to pic many good stocks,

then check out my portfolio

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where every day, face to face, I will answer your questions.

So hope that you like the video.

I will be bringing more such videos.

Until then, this is Pranjal Kamra

signing off, Bye Bye.