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’s Gold Investment Plans
SBNRI’s upcoming platform will offer automated gold savings plans, helping NRIs convert cash into gold effortlessly without worrying about complex banking regulations.
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.
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 is launching a secure, seamless, and NRI-friendly Digital Gold investment platform, making gold investment more accessible than ever, no matter where you reside.
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
- 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, but they need to use an NRO account to make transactions for Digital Gold purchases.
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, but only through an NRO account, and repatriation is subject to RBI’s annual limit of $1 million per financial year.
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?
SBNRI’s platform is launching soon! Stay tuned for secure, seamless, and NRI-friendly gold investments.
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. ✨
