Gold ETF vs Physical Gold Which Is Better India
A few months ago, while reviewing a client's portfolio during a financial planning session, I noticed something that has become fairly common across middle-class Indian households: nearly 18% of her family's total savings was sitting in gold jewellery locked in a bank locker, earning nothing, while she was simultaneously paying an annual locker rental and worrying about insurance coverage in case of theft. When I asked why she hadn't considered a Gold ETF instead, her honest answer was, "I didn't even know that was an option that felt as 'real' as buying actual gold." That conversation is not unusual. In my years working across equity dealing and financial operations, I have seen how deeply gold is woven into Indian financial culture — not just as an investment, but as a symbol of security, tradition, and family wealth passed down through generations. Yet very few investors pause to ask a simple, practical question: if the goal is purely financial retu…
