Dhanteras is one of the auspicious days that heralds the beginning of the Diwali festival. This Dhanteras, it's time to make a wise move by investing in gold, which is traditionally considered to bring good fortune. However, purchasing gold isn't just about tradition; lately, it can also be a sound financial move. Let’s explore why buying gold on Dhanteras matters and what are the other things you can buy on Dhanteras.**
Why Gold Is a Smart Choice to Buy on Dhanteras
With global financial markets showing signs of volatility and inflationary pressures continuing, this Dhanteras presents an opportunity to look at gold not just as a cultural symbol but as a reliable asset in your investment plans.
Symbol of Prosperity & Tradition
In Indian culture, gold has been associated with auspiciousness and wealth. Purchasing gold on Dhanteras is thought to bring good fortune into one’s life.
Hedge Against Inflation and Currency Risk
The value of gold is especially high during times of inflation. While currencies and paper assets may lose purchasing power due to inflation, gold prices tend to rise over the years.
Liquidity & Universal Value
As gold is globally accepted, you can liquidate it easily if needed. Whether held in the form of jewellery, coins, or bars, they are recognisable assets with wide markets.
Variety of Ways to Invest in Gold
Gold is not limited just to the tangible form. You can consider the following options:
1. Gold ETFs (Exchange-Traded Funds)
These are investment options that let you buy gold in a digital form through the stock market. They closely follow gold prices and can be bought or sold just like regular shares. Since there’s no physical gold involved, you don’t have to worry about storage or safety.
2. Sovereign Gold Bonds (SGBs)
They are issued by the government and are linked to the market price of gold. If you hold the bonds until maturity, the profit you make is tax-free. SGBs can be one of the safe gold investment plans that do not involve the actual buying or storing of the metal.
3. Digital Gold
It lets you buy gold online in small amounts. What you buy is stored securely by the provider. You can sell it anytime or convert it into physical gold if needed. It’s a simple and flexible way to invest without worrying about storage or purity.
Important Factors to Consider Before Buying Gold
Before deciding to get into any gold investment plans for Dhanteras, consider the following:
Purity and Certification:
Look for the BIS hallmark (22K/24K) and certified gold from trusted sellers.
Cost Breakdown:
Understand the components of the price, spot rate, making charges, GST, and other charges.
Buy-Back Policies:
Ensure clarity on return or resale terms, especially for jewellery and coins.
Tax Implications:
Know how each type of gold investment is taxed, be it physical gold, SGBs, or ETFs. They have different capital gains over time.
Other Things You Can Buy on Dhanteras**
Are you confused about what to buy on Dhanteras? While gold remains the most popular purchase on Dhanteras, the festival is also seen as an auspicious time to invest in other forms of wealth and security. From financial products to major life assets, here are some of the best things to buy on Dhanteras beyond gold.
1. Life Insurance**
Investing in health or life insurance on Dhanteras can be a great way to secure your future. It helps cover medical emergencies and unexpected situations. Whether you’re getting a new plan or updating an old one, it’s a great move.
2. Silver and Other Precious Metals
Alongside gold, silver has long been associated with prosperity and good fortune as well. Coins, utensils, and jewellery are commonly purchased on Dhanteras. In addition to physical silver, investors can also explore silver and gold-backed ETFs, which combine traditional value with other investment potential.
3. Real Estate
Buying property is a milestone, and it is often considered in long-term investment plans. With special offers and financing options available during the festive season, Dhanteras is a favourable time to explore real estate opportunities.
4. Automobiles
For many households, buying a new car or two-wheeler during Dhanteras is a common choice. While vehicles do depreciate over time, the festive season often brings discounts, exchange offers, and lower interest rates.
5. Mutual Funds**
If you're looking for other investment routes, mutual funds offer access to a diversified portfolio without the need to pick individual stocks. Equity, hybrid, or debt mutual funds can suit different risk profiles. Starting an SIP (Systematic Investment Plan) on Dhanteras can be a useful financial step.
This Dhanteras, investing in gold is more than following tradition; it's a wise move that can anchor your financial portfolio with stability and value. But gold alone need not be your only rescue option. Combining it with other purchases, such as life insurance, equities, real estate, and mutual funds, can set you up not just for momentary good fortune but long‑term prosperity.
** Tax exemptions are as per applicable tax laws from time to time.
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