Why Gold is the Ultimate Retirement Asset
Gold has been a trusted store of value for centuries, protecting wealth through economic ups and downs. And history backs this up! In 2000, gold was priced at just ₹4,400 per 10 grams, but by 2024, it had soared past ₹65,000 per 10 grams—a massive 1,400% increase. Clearly, gold has consistently outperformed inflation and remains a rock-solid investment, and now with Digital Gold Investment options, the story is about to get even better!
For NRIs, investing in gold has always been a preferred choice, but dealing with physical gold storage and international regulations can be challenging. Now, thanks to technology, Digital Gold makes investment in gold even easier. No need to worry about storage, theft, or making large lump-sum purchases. You can now buy, store, and sell gold securely and seamlessly – all from your phone, no matter where you are in the world.
So, how can Digital Gold secure your retirement? Let’s explore.
Why Digital Gold is a Smart Choice for NRI Retirement Planning
Your retirement plan should include assets that are stable, inflation-proof, and easy to access when needed. Digital Gold checks all these boxes, making it a must-have for long-term financial security. Here’s why:
1. Gold Beats Inflation, Always!
Gold has delivered average annual returns of 10-12% over the past two decades, while inflation typically hovers around 5-6%. This means your wealth doesn’t just stay intact—it grows!
For NRIs, maintaining purchasing power across different currencies is a challenge, and gold provides a globally recognized store of value.
2. 100% Secure & Hassle-Free
Unlike physical gold, which requires safekeeping and compliance with customs regulations when traveling between countries, Digital Gold is stored in insured vaults, fully secured and verified. You own real gold, but without the risks of theft or damage, and you can access it anytime from anywhere.
Also read: How much gold is allowed from the USA to India?
3. Start Small & Build Wealth Over Time
You can start investing with little money and slowly grow your holdings over time. This is perfect for systematic, stress-free wealth accumulation, even if you live abroad.
4. Instant Liquidity When You Need It
One of the biggest advantages of Digital Gold is instant liquidity. Whether you need funds for medical expenses, travel, or retirement goals, you can sell your gold instantly at market prices without worrying about international banking hassles.
5. Diversifies & Protects Your Portfolio
Global markets can be unpredictable, but gold is a hedge against economic downturns. Digital Gold ensures that your retirement fund remains stable even during market crashes, providing extra security for NRIs who want to protect their wealth in multiple jurisdictions.
How NRIs Can Build a Retirement Plan with Digital Gold
Step 1: Set Your Gold Goal
Think about your lifestyle, future needs, and retirement aspirations to determine how much gold you should accumulate. For instance, if gold appreciates at 10% per year, setting a target of 500 grams could secure a worry-free retirement.
Step 2: Invest Consistently with Small Contributions
With Digital Gold, you don’t need a huge lump sum. Just like a Systematic Investment Plan (SIP), you can invest a fixed amount every month to gradually build your gold savings.
Step 3: Use SBNRI App to Invest in Gold Digitally
SBNRI’s recently launched digital gold investment platform offers automated gold savings plans, helping NRIs convert cash into gold effortlessly. With SBNRI, you do not have to worry about complex banking regulations. You also get access to a wide range of limited edition Gold products.
Step 4: Leverage Gold-Backed Loans for Emergencies
Need cash during retirement? Instead of selling, you can use your Digital Gold as collateral for quick loans, ensuring financial security without liquidating assets. Some lenders accept digital gold as collateral.
Step 5: Plan Your Exit Strategy
When you retire, you have multiple options:
- Sell Digital Gold for cash and repatriate funds to your home country
- Convert it into gold coins/bars for future family wealth
- Use it for gold-backed annuities or long-term investments
SBNRI: First-Ever Digital Gold Investment Platform for NRIs
SBNRI has launched the first-ever Digital Gold investment platform for NRIs, making it easier than ever to invest in gold from anywhere in the world. Your gold is 99.99% real (as real as it can get) and securely stored in MMTC-PAMP vaults.
MMTC-PAMP is India’s most trusted gold custodian, backed by MMTC Ltd (a Government of India Undertaking) and Switzerland’s renowned bullion brand PAMP SA. It is India’s only LBMA-accredited gold refinery, meeting the highest global purity standards. With Swiss excellence and Indian reliability, your gold is fully insured, audited, and stored in secure vaults.
This means, with SBNRI, your investment is completely safe, insured, and backed by one of the most reliable gold custodians in the country.
With SBNRI, you don’t have to worry about storing or protecting your gold—it’s all taken care of for you. Plus, you can buy, sell, or redeem your gold anytime with just a few clicks!
This is a first-of-its-kind opportunity for NRIs to invest in Digital Gold with ease and confidence.
Why Choose SBNRI?
- 100% secure and insured vault storage in partnership with MMTC-PAMP
- Seamless buying & selling options for NRIs
- Gold-backed investment plans tailored for NRIs
- Exclusive benefits for global Indian investors
Start your journey towards a golden retirement today!
Download the SBNRI app and be among the first to invest in Digital Gold. 🚀
FAQs
1. Can NRIs buy Digital Gold in India?
Yes, NRIs can buy Digital Gold in India, through platforms like SBNRI. They do not even need a Demat account for it.
2. How is Digital Gold taxed for NRIs?
Long-term capital gains tax (LTCG) at 20% with indexation benefits applies if held for over three years. Short-term gains are taxed as per your applicable income tax slab.
3. Can I repatriate funds after selling my Digital Gold?
Yes, you can repatriate funds after selling your Digital Gold. If you invest through an NRO account, you can repatriate proceeds (capital income) up to USD 1 million annually, subject to tax and documentation. You can freely repatriate dividends. If you invest via an NRE account, you can repatriate both principal and gains (post-tax) without limits.
4. Is Digital Gold better than Gold ETFs for NRIs?
Both have their advantages, but Digital Gold allows small investments, instant liquidity, and direct ownership, whereas ETFs require a Demat account and have expense ratios.
5. How is my Digital Gold stored?
Your gold is stored in insured, RBI-approved vaults managed by top security firms, ensuring complete safety and transparency.
6. Can I convert my Digital Gold into physical gold?
Yes, you can request delivery of gold coins or bars, but delivery charges may apply.
7. How do I start investing in Digital Gold with SBNRI?
You can just download the SBNRI app and access our secure, seamless, and NRI-friendly digital gold investment options.
Final Thoughts
Gold is a proven wealth builder, and with Digital Gold, it’s now easier than ever for NRIs to secure their retirement. Whether you’re in your 20s, 30s, or 50s, the best time to start investing in gold was yesterday—the second best time is today!
With SBNRI’s upcoming Digital Gold platform, securing a golden retirement. ✨
