Last week we spoke about SIPs, those small and steady steps that help your money grow with discipline. Many of you wrote to say you started your first SIP, and that makes me proud. Once we begin to see money as something we can nurture and not just store, we start looking at every asset differently. And this week, let us talk about one of the most loved assets in every woman’s life: gold.
No other investment carries as much emotion as gold. It is more than metal; it is memory. From a grandmother’s bangles to a daughter’s wedding necklace, gold has been part of our milestones, our festivals, and our sense of security. It has always symbolised pride and prosperity. But as investors, we must learn to see gold not only with our hearts but also with our minds.
Gold is often seen as the ultimate safety net. When the world becomes uncertain, when inflation rises or currencies lose value, gold holds its strength. That is why our elders always advised keeping a small part of savings in gold. They may not have used words like asset allocation, but that is exactly what they were practising. They spread their wealth so that one shock did not shake their stability.
And here is something worth recognising. For generations, women have quietly proven to be among the smartest investors. Long before financial planners or market experts spoke about diversification, Indian women were already practising it. Every gold coin tucked away and every small bangle bought during a festival was more than tradition. It was a strategy. In 2025, gold prices have risen by more than 50 percent. What began as instinct has often outperformed formal financial advice. In their quiet way, women who saved in gold for security have preserved and grown wealth better than many market experts.
But even as we celebrate that wisdom, we must also evolve with time. Gold is a preserver of wealth, not a creator of it. Jewellery, while beautiful, is not an investment. It carries making charges, design costs, and sentiment but very little liquidity. You may wear it with joy, but selling it often brings loss. True gold investment should be deliberate and connected to your financial goals, not your jewellery box.
Gold works best as a cushion. It brings stability when other investments like shares or mutual funds go through ups and downs. Most financial planners suggest keeping about 10 percent of your overall investments in gold. This small portion adds safety without reducing space for growth investments. Beyond this, gold rarely beats inflation. To grow your money faster, you also need growth-oriented options like equity mutual funds or businesses.
The good news is that today you do not have to buy or store physical jewellery or coins to invest in gold. There are easier and safer options. One option is Gold ETFs, or Exchange Traded Funds, which work like mutual funds that invest in gold. You can buy and sell them on the stock exchange without worrying about purity or storage.
Another strong option is Sovereign Gold Bonds, issued by the Government of India. These bonds rise and fall with gold prices and also pay you a small yearly interest. They are stored digitally, can be sold after a few years, and are ideal for long-term investors who prefer safety and convenience.
If you do not have a Demat account, gold mutual funds are an easy route. These funds invest in gold ETFs on your behalf, and you can even start with a small SIP. Yes, just like last week’s SIP discussions, you can set up a monthly SIP in a gold fund too. It is the same habit of disciplined saving, now helping you build gold investments slowly and safely.
One option that many women ask about is digital gold sold on apps and websites. This is where you need to be careful. Recently, India’s market regulator explained that digital gold bought through many unregulated online platforms does not fall under any official protection. In simple words, if the platform shuts down or mishandles your gold, there is very little you can do. The regulator has advised people to be cautious. So if you choose digital gold, use only trusted and well-known platforms, and keep your amounts small.
Before you invest in any form of gold, pause and ask yourself three simple questions. Why am I buying it: security, emotion, or speculation. How will I sell it if I ever need to? And does this purchase fit into my overall financial plan? These answers will guide you better than any shiny advertisement or market prediction.
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Gold has always held a special place in our hearts, but now it can also hold a smart place in our portfolios. It does not need to be the hero of your financial story. It deserves a steady, balanced place in the background. Let it bring you calm, not excitement. Let it protect you, not distract you.
Because the real glow of a woman’s wealth is not in the jewellery she wears, but in the clarity and confidence with which she makes her financial choices.
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