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  #1  
Old 14th July 2011, 07:26 PM
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Default Atiker's SIP Portfolio



Please review this long term SIP folio - investment horizon is 10-15 years or even more.

Brickbats are also welcome. Feel free to voice your comments.

To begin with all the sips are registered for 3 years.

All are growth option.This will be a passive investment.

Some are direct debit others STP from liquid fund which I replenish every month by salary.

Planning to review performance yearly or every 6 months and no tweaking in between.

1. DSPBR Top 100 - Large Cap
Rs 500 Weekly 1,7,14,21,28
Total - 2500 pm

2. HDFC Top 200 - Large and Mid Cap
Rs 500 Weekly 1,5,10,15,20
Total - 2500 pm

3. Fidelity Equity Fund - Large and Mid Cap
Rs 500 Weekly 1,10,25
Total - 1500 pm

4.Quantum Long Term Equity - Multi Cap
Rs 100 Daily
Total - 2200 pm

5. IDFC Premier Equity - Mid and Small Cap
Rs 2000 Monthly
Total - 2000 pm

6. Quantum Gold Fund
Rs 100 Daily
Total - 2200 pm

In all
Equity -> 10700 pm (Large Cap - 8700, Mid and Small Cap - 2000)
Gold -> 2200 pm

Last edited by Atiker : 14th July 2011 at 07:50 PM.
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  #2  
Old 15th July 2011, 09:31 AM
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Atiker,

Your choice of funds is good. You will be investing Rs 10700 in equites and Rs 2200 in gold per month over the next decade. However for a balanced portfolio you should also factor in Debt. What will be your contribution in Debt instruments on an ongoing basis over this time?

While there is no scientific guideline on the portion of investments you should have in Equities, conventional wisdom says you should not have more than [100 - your age] as a percent of your overall portfolio in equities. I find that a sensible guideline and request you to consider the same.

Also I suggest that your should not maintain a totally passive portfolio but rebalance at regular intervals. Fix a date and on that date every year, switch you portfolio around so that the proportion of Equities, debt, gold is more or less maintained.

How are you planning to make these investments? Are there any fixed costs / commissions / brokerage per SIP payment?
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  #3  
Old 15th July 2011, 01:27 PM
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Default

Quote:
Originally Posted by sudhashbahu View Post
You will be investing Rs 10700 in equites and Rs 2200 in gold per month over the next decade.
I will be increasing the amount yearly with inflation and if there is rise in my income

Quote:
However for a balanced portfolio you should also factor in Debt. What will be your contribution in Debt instruments on an ongoing basis over this time?
8000 pm via EPF
70000 pa via PPF
Plus I plan to continue investing in high yielding NCDs like SBI Shriram

Quote:
While there is no scientific guideline on the portion of investments you should have in Equities, conventional wisdom says you should not have more than [100 - your age] as a percent of your overall portfolio in equities. I find that a sensible guideline and request you to consider the same.
Yes thats a very good advice.

Currently the nifty PE is above 20, that makes me uncomfortable.

I will increase the equity exposure when PE is low.

Rule of thumb which I plan to follow is -

---- Below 15 - Increase equity exposure - lump sum.
---- Near 20 -- Continue SIP
---- Above 25 - SELL and move to debt

Quote:
Also I suggest that your should not maintain a totally passive portfolio but rebalance at regular intervals. Fix a date and on that date every year, switch you portfolio around so that the proportion of Equities, debt, gold is more or less maintained.
I am notorious in maintaining discipline. For now I have decided to revisit equity portfolio every 6 months or at least at financial year end.

Quote:
How are you planning to make these investments? Are there any fixed costs / commissions / brokerage per SIP payment?
I have already started these investments.
DSP, HDFC, Fidelity is direct SIP via their website.
IDFC Preimier via FundsIndia
Quantum via STP from Liquid Fund
So zero cost
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  #4  
Old 18th July 2011, 11:00 AM
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Default

Overall your financial plan appears to be very sound.

Now the challenge will be to implement it over the long term.

Best of luck.
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  #5  
Old 19th July 2011, 12:14 PM
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A quick question. What made you pick HDFC Top 200 instead of HDFC Equity?
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  #6  
Old 20th August 2011, 06:11 PM
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Quote:
Originally Posted by jatanr View Post
A quick question. What made you pick HDFC Top 200 instead of HDFC Equity?
Top 200 appears fancy compared to HDFC equity.

On a serious note -

I wanted to invest in total 5 funds.

One each of large-cap, large-mid-cap, mid-small cap and multi-cap. This brings a count of 4.
For the fifth one I don't want a pure mid or mid-small cap or a multi cap, want to stick to large cap bias, I trust HDFC fund house so picked up Top 200.
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  #7  
Old 20th August 2011, 06:16 PM
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Default

I got an idea from one of the posts by man4urheart, on why not consider investing in ETFs of mid and small cap, when they are battered ?

Now a question, when looking at PE of nifty, I look at

S&P CNX Nify here ->NSE - Indices - Div Yield, Index P/E, P/B Values

For mid cap and small cap what should one look at ?

CNX Nifty Junior or CNX Smallcap ?
CNX MidCap or Nifty Mid cap 50 ?
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  #8  
Old 20th December 2012, 10:34 PM
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Quote:
Originally Posted by Atiker View Post

1. DSPBR Top 100 - Large Cap
Rs 500 Weekly 1,7,14,21,28
Total - 2500 pm

2. HDFC Top 200 - Large and Mid Cap
Rs 500 Weekly 1,5,10,15,20
Total - 2500 pm

3. Fidelity Equity Fund - Large and Mid Cap
Rs 500 Weekly 1,10,25
Total - 1500 pm

4.Quantum Long Term Equity - Multi Cap
Rs 100 Daily
Total - 2200 pm

5. IDFC Premier Equity - Mid and Small Cap
Rs 2000 Monthly
Total - 2000 pm

6. Quantum Gold Fund
Rs 100 Daily
Total - 2200 pm

In all
Equity -> 10700 pm (Large Cap - 8700, Mid and Small Cap - 2000)
Gold -> 2200 pm
Exited from Fidelity during the open exit period.
Current SIPs are -

1. DSPBR Top 100 - Large Cap
Rs 1000 on 7,17,27
Total - 3000 pm

2. HDFC Top 200 - Large and Mid Cap
Rs 1000 on 2,12,22
Total - 3000 pm

3.Quantum Long Term Equity - Multi Cap
Rs 200 Daily
Total - 4400 pm approx

4. IDFC Premier Equity - Mid and Small Cap
Rs 2500 Monthly
Total - 2500 pm

5. Quantum Gold Fund
Rs 200 Daily
Total - 4400 pm

In all
Equity -> 12900 pm (Large Cap - 10400, Mid and Small Cap - 2500)
Gold -> 4400 pm
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  #9  
Old 26th May 2013, 03:27 PM
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Default

Quote:
Originally Posted by Atiker View Post
Exited from Fidelity during the open exit period.
Current SIPs are -

1. DSPBR Top 100 - Large Cap
Rs 1000 on 7,17,27
Total - 3000 pm

2. HDFC Top 200 - Large and Mid Cap
Rs 1000 on 2,12,22
Total - 3000 pm

3.Quantum Long Term Equity - Multi Cap
Rs 200 Daily
Total - 4400 pm approx

4. IDFC Premier Equity - Mid and Small Cap
Rs 2500 Monthly
Total - 2500 pm

5. Quantum Gold Fund
Rs 200 Daily
Total - 4400 pm

In all
Equity -> 12900 pm (Large Cap - 10400, Mid and Small Cap - 2500)
Gold -> 4400 pm
Just a quick question.

I see you have around 51 SIP investments over a full month.

How much are you paying as brokerage/fee? Which broker/platform are you using for these investments?
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  #10  
Old 27th May 2013, 03:44 AM
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Quote:
Originally Posted by RockZ View Post
Just a quick question.

I see you have around 51 SIP investments over a full month.

How much are you paying as brokerage/fee? Which broker/platform are you using for these investments?
Quote:
Originally Posted by Atiker View Post

I have already started these investments.
DSP, HDFC, Fidelity is direct SIP via their website.
IDFC Preimier via FundsIndia
Quantum via STP from Liquid Fund
So zero cost
Atiker,

Wanted to know what is the combined CAGR returns from this MF portfolio (Equity + Gold) ? and what sort of returns are you targeting here ?
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  #11  
Old 27th May 2013, 11:48 PM
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Quote:
Originally Posted by Prudent_Investor View Post
Atiker,

Wanted to know what is the combined CAGR returns from this MF portfolio (Equity + Gold) ? and what sort of returns are you targeting here ?
Thanks prudent_investor for answering rockz question. It's almost two year since I started this plan. Apart from regular sip, I added more units when I got bonus, bought more gold on occasions etc so calculating returns is not straight forward. Will need some time with excel/spreadsheet. Will get back when I do my tax returns.
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  #12  
Old 28th May 2013, 12:17 AM
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Quote:
Originally Posted by Prudent_Investor View Post
and what sort of returns are you targeting here ?
I started this plan after birth of my child. At that time the motive was -
1. To invest in a disciplined manner.
2. To create good corpus (debt, equity-mf and gold) by the time my kid is 18 so that - If required I can finance my kids education to enable him/her to pursue his/her dreams.
3. My own retirement.

This sip portfolio and debt portfolio of epf and ppf is meant to be very very passive and conservative. This is a complete wait and watch from sidelines portfolio. I will not tinker with it, unless in my yearly review I find huge losses or under-performance from inflation. The investment in this folio i guess will never go beyond 25% of my monthly earnings minus expenses.

Rest leftover goes into home loan overdraft account and from there whenever there is an opportunity it goes to a folio where
- I frequently buy and sell shares e.g bought and sold jet airways twice in a month,
- pump and dump ipos,
- fd on parents name
- ncds on parents name
- loan to private business for monthly 2% interest
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  #13  
Old 28th May 2013, 10:10 PM
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I hope you have shifted all your plans to "Direct" plan. If not please do it as soon as possible.

Rest, it looks good. Please post your returns also till date.
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  #14  
Old 29th May 2013, 12:35 AM
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Quote:
Originally Posted by Atiker View Post

I started this plan after birth of my child. At that time the motive was -
1. To invest in a disciplined manner.
2. To create good corpus (debt, equity-mf and gold) by the time my kid is 18 so that - If required I can finance my kids education to enable him/her to pursue his/her dreams.
3. My own retirement.

The investment in this folio i guess will never go beyond 25% of my monthly earnings minus expenses.

Rest leftover goes into home loan overdraft account and from there whenever there is an opportunity it goes to a folio where
- I frequently buy and sell shares e.g bought and sold jet airways twice in a month,
- pump and dump ipos,
- fd on parents name
- ncds on parents name
- loan to private business for monthly 2% interest
If I see the top 3 motives, a very structured and disciplined plan of investing, then I fail to understand why restrict only 25% of monthly savings (earnings - expenses) into it ? Shouldn't you garner a greater chunk of say 70-80% here and do the rest of IPOs/FD/Equity/NCD/Lending with the balance 20-30% ?

Sorry for asking too many questions, like your disciplined approach so probing a bit more.
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  #15  
Old 29th May 2013, 10:54 AM
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Quote:
Originally Posted by nitinku5021a View Post
I hope you have shifted all your plans to "Direct" plan. If not please do it as soon as possible.
Yes all plans are moved to direct except 'IDFC Premier Equity' as IDFC does not allow online SIP for now.


Quote:
Originally Posted by Prudent_Investor View Post
If I see the top 3 motives, a very structured and disciplined plan of investing, then I fail to understand why restrict only 25% of monthly savings (earnings - expenses) into it ? Shouldn't you garner a greater chunk of say 70-80% here and do the rest of IPOs/FD/Equity/NCD/Lending with the balance 20-30% ?
Why only 25% ?

1. Because I want to follow following rule of thumb -
PE Below or near 15 - invest full blown
PE Near 20 - Continue SIP
PE Above 25 - SELL
I will invest more in equity only if the PE goes down.

2. Assuming a conservative return of 10% pa, as of now this 25% is sufficient to meet my current intended goal.

3. Also want to get my home loan interest outgo down as much as possible.

4. Yet to get confidence in this strategy


Rest 75% goes to reducing my home-loan interest which is around 11%.

as above 1.5 lakh interest I don't get any tax benefit.

Also as this home-loan account has an overdraft facility, it allows me to do IPOs/FD/Equity/NCD/Lending , which I only do if I am assured to get more than 11% return.

Quote:
Originally Posted by Prudent_Investor View Post
Sorry for asking too many questions, like your disciplined approach so probing a bit more.
Actually by asking questions you are forcing me to re-think why I am doing what I am doing

So thanks to you, for asking questions.

Last edited by Atiker : 29th May 2013 at 11:08 AM.
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  #16  
Old 29th May 2013, 11:05 AM
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Quote:
Originally Posted by Atiker View Post
Exited from Fidelity during the open exit period.
Current SIPs are -

1. DSPBR Top 100 - Large Cap
Rs 1000 on 7,17,27
Total - 3000 pm

2. HDFC Top 200 - Large and Mid Cap
Rs 1000 on 2,12,22
Total - 3000 pm

3.Quantum Long Term Equity - Multi Cap
Rs 200 Daily
Total - 4400 pm approx

4. IDFC Premier Equity - Mid and Small Cap
Rs 2500 Monthly
Total - 2500 pm

5. Quantum Gold Fund
Rs 200 Daily
Total - 4400 pm

In all
Equity -> 12900 pm (Large Cap - 10400, Mid and Small Cap - 2500)
Gold -> 4400 pm
Changes -
Increased Quantum SIP by 100 Rs
SIP dates changed due to change of plan to DIRECT mode.

Current SIPs are -

1. DSPBR Top 100 - Large Cap
Rs 500 on 1-7-14-21-28
Total - 2500 pm

2. HDFC Top 200 - Large and Mid Cap
Rs 500 on 1-5-10-15-20-25
Total - 3000 pm

3.Quantum Long Term Equity - Multi Cap
Rs 300 Daily
Total - 6600 pm approx

4. IDFC Premier Equity - Mid and Small Cap
Rs 2500 Monthly
Total - 2500 pm

5. Quantum Gold Fund
Rs 300 Daily
Total - 4400 pm

In all -
Equity -> 14,600 pm (Mid and Small Cap - 2500, Rest - Large and Multi Cap).

Gold -> 6,600 pm.
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  #17  
Old 20th April 2016, 05:15 PM
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Default How to Put 10 Lakhs into Mutual Funds?

Any suggestions ?

Recently got 10 lakhs.
Want to invest fully that amount in Mutual Funds, any suggestions on which schemes to deploy and how to go about it ?

Current portfolio -
EPF - 10+ lakhs
PPF - 10+ lakhs
NCD - 10+ lakhs
Equity - 10+ lakhs
Equity MF - 10+ lakhs
House - loan paid
Sufficient term Insurance.

Investment reason - Long term growth. By long term I mean 10+ years.
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  #18  
Old 20th April 2016, 11:55 PM
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Skewed asset allocation....does not have real estate nor gold..

Anyways...go for FMCG, IT and pharma (sectoral funds)..Direct plans...don't give free money to stupid agents/advisers/bloggers/commission agents etc.
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  #19  
Old 22nd April 2016, 06:25 PM
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Quote:
Originally Posted by milind View Post
Skewed asset allocation....does not have real estate nor gold..

Anyways...go for FMCG, IT and pharma (sectoral funds)..Direct plans...don't give free money to stupid agents/advisers/bloggers/commission agents etc.
Real estate -
Apartment in a metro - loan complete cmp 70L
Ancestral house -cmp 100L
No more appetite for Real estate.
No skills in shortlisting and managing a commercial property

Gold -
ETF 5L+Sentimental Jewellery


Suggest strategy to deploy in MF
a. lumpsum
b. SIP for next 10 months weekly 25k

Choice of MF
a. Existing ones in which SIP is ongoing ?
b. Venture out on new ones ?


I have shortlisted
Birla Sunlife Front Line
Mirae Asset emerging blue chip
SBI small and mid cap


Ongoing SIPs are
1. DSPBR Top 100 - Large Cap
2. HDFC Top 200 - Large and Mid Cap
3. Quantum Long Term Equity - Multi Cap
4. IDFC Premier Equity - Mid and Small Cap
5. Quantum Gold Fund
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  #20  
Old 22nd April 2016, 07:20 PM
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Quote:
Originally Posted by Atiker View Post
Real estate -
Apartment in a metro - loan complete cmp 70L

- You cannot sell the pants you are wearing..meaing self occupied house should never be considered an investment..(the last instrument you would sell/mortgage in case of difficulty)
it means you do not have RE as investment - most tax efficient relaxed appreciation instrument..

Ancestral house -cmp 100L
- When will you own it ? Will you be able to sell it...etc etc ..
- Tip : Open an HUF based on ancestral home..lot of advantages

No more appetite for Real estate.
No skills in shortlisting and managing a commercial property
- thats ok

Gold -
ETF 5L+Sentimental Jewellery
Should add atleast 5L here...since sentimental jewellery will never be sold..so not an investment..

Suggest strategy to deploy in MF
a. lumpsum
b. SIP for next 10 months weekly 25k

Choice of MF
a. Existing ones in which SIP is ongoing ?
b. Venture out on new ones ?


I have shortlisted
Birla Sunlife Front Line
Mirae Asset emerging blue chip
--- Definitely NOOOOO....infact Mirae has sold funds to kotak...very weak fund house


SBI small and mid cap
- only 20-25% ...of total money you want to invest in MF

Ongoing SIPs are
1. DSPBR Top 100 - Large Cap
2. HDFC Top 200 - Large and Mid Cap
3. Quantum Long Term Equity - Multi Cap
4. IDFC Premier Equity - Mid and Small Cap
5. Quantum Gold Fund
- Finally there are only 15-20 nifty and some 25-30 midcap stocks worth investing...if you have 3-4 large cap MF and 2-3 mid/small cap funds you have covered most of the stocks are covered....
- More funds from different companies---you are "repeating yourself" ...if 2/3 nifty stocks falter ...all funds will be impacted..and viceversa..

- Its like you order "potato" subji...in various forms...

- Now you should start direct equity....
- I feel you can never "time" the market so if you have lumpsum invest it rather than SIP...
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  #21  
Old 23rd April 2016, 06:09 PM
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Quote:
Originally Posted by milind View Post
- Finally there are only 15-20 nifty and some 25-30 midcap stocks worth investing...if you have 3-4 large cap MF and 2-3 mid/small cap funds you have covered most of the stocks are covered....
- More funds from different companies---you are "repeating yourself" ...if 2/3 nifty stocks falter ...all funds will be impacted..and viceversa..

- Its like you order "potato" subji...in various forms...

- Now you should start direct equity....
- I feel you can never "time" the market so if you have lumpsum invest it rather than SIP...
Alu Gobhi, Alu Matar he he he lol
[potato cauliflower, potato peas]


Quote:
- You cannot sell the pants you are wearing..meaing self occupied house should never be considered an investment..(the last instrument you would sell/mortgage in case of difficulty)
it means you do not have RE as investment - most tax efficient relaxed appreciation instrument.
Baba, don't have guts to buy another pant I can't sleep with a loan running. Current running rates are too high, without foreign currency earnings via onsite, I dont think indian salary would be sufficient to smoothly cover the EMI with enough remaining for other expenses and investments.


Quote:
Ancestral house -cmp 100L
- When will you own it ? Will you be able to sell it...etc etc ..
- Tip : Open an HUF based on ancestral home..lot of advantages
Good points to ponder on. Thanks.
Any more information on HUF based on ancestral home ?
Will surely google, but you have anything to share, please do so.

Quote:
Gold -
ETF 5L+Sentimental Jewelry
Should add atleast 5L here...since sentimental jewelry will never be sold..so not an investment..
My experience with ETF is not good, expenses are high, and selling rates are usually not good. And if one takes into account the taxes then its a double whammy. I may try GOI sovereign gold bonds or physical gold coins from mmtc.


Quote:
Mirae Asset emerging blue chip
--- Definitely NOOOOO....infact Mirae has sold funds to kotak...very weak fund house
Value research was glowing over it he he he
https://www.valueresearchonline.com/...hemecode=11213
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Old 23rd April 2016, 07:07 PM
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HUF - A big financial topic ..cannot be explained in blog...learn from books/google and then discusss with CA..and then decide to have an entry since exit is rarely possible (before death) ..but has great tax advantages..

RE as an investment...is totally misunderstood...RE can start with as low as low 15-20 Lakhs (that too in SIP mode since the installments you pay for under construction projects over a period of 2/3 years) ,,,,RE investment need not start from 50 lakhs etc...imagine big lumpsum profits in lakhs ...tax free just in 3 years..and what you just buy and lock it...(efforts for appreciation of price is done by builders in that area..you need to sleep for 3 years)

Sovereign gold bond is better than physical ..only disadvantage is lock in period!!!
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