1️⃣ ಈಗ ಚಿನ್ನ BUY ಮಾಡಬೇಕಾ?
Answer:
👉 Yes, but only if you don’t act stupid.
ಚಿನ್ನದ ಬೆಲೆ already all-time high ಇಲ್ಲಿ lump sum ಹಾಕೋದು = bad risk-reward Short term profit expect ಮಾಡೋದು = delusion
Rule:
✔️ Buy only in parts (tranches)
❌ Never all at once
2️⃣ HOW to buy (exact rule)
Strategy:
ಒಟ್ಟು gold allocation decide ಮಾಡಿ ಅದನ್ನ 3–5 equal parts ಮಾಡಿ 3–6 ತಿಂಗಳ ಅವಧಿಯಲ್ಲಿ buy ಮಾಡಿ ಬೆಲೆ ಇಳಿದಾಗ next tranche, ಏರಿದಾಗ wait
👉 ಇದಕ್ಕೆ ಹೆಸರು: Risk control
👉 ಇದಿಲ್ಲದ್ರೆ investment ಅಲ್ಲ, gambling
3️⃣ HOW MUCH money in gold?
Hard truth:
Gold is NOT a wealth creator Gold is insurance against chaos
Allocation rule:
✔️ 10% – 15% of total investments
❌ Above 20% = (fear-based investing)
Example:
₹20 lakh portfolio →
Gold = max ₹2–3 lakh
Not more. Period.
4️⃣ WHAT NOT to buy (most people fail here)
❌ Jewellery as investment
Making charges = instant loss Resale = haircut ROI = poor
❌ Emotional buying (wedding season, relatives pressure)
❌ “Price will double” expectations
5️⃣ WHAT to buy (only logical options)
Priority order:
1️⃣ Gold ETF / Mutual Funds– best risk-adjusted return
2️⃣ Digital Gold – acceptable for small amounts
3️⃣ Coins/Bars – only if you want physical holding
👉 Jewellery = it’s still fine
6️⃣ TIME HORIZON (most ignored truth)
Less than 1 year → don’t touch gold 3–5 years → acceptable 7–10 years → gold does its job (capital protection)
If you want fast money → gold is wrong asset.
7️⃣ Expected return (reality check)
Gold beats inflation Gold does NOT beat good equity long term Gold shines only when economy is stressed
🧠 FINAL STRATEGY SUMMARY
✔️ Allocate 10–15% only
✔️ Buy in tranches, not lump sum
✔️ Prefer ETF
Ok – Jewellery investment
❌ No short-term profit expectations