Gold Up 30% in 12 Months: How Much Should You Hold?
Gold and silver prices have surged sharply in the past year due to global uncertainty and central bank buying. Experts suggest Indian households review how much of their savings are in precious metals and whether they are over or underinvested.
Gold's 2024-25 rise beats most FDs by 3x — more than a year of chai money
Gold has returned over 30% in the last 12 months — your portfolio may be underweight
Key Takeaways
Check your current gold allocation: financial planners recommend 10-15% of your total portfolio in gold as a hedge.
Compare Gold ETFs and Sovereign Gold Bonds (SGBs) — SGBs offer an additional 2.5% annual interest on top of price gains, making them the most tax-efficient option.
Avoid buying physical jewellery purely as investment — making charges of 10-25% eat into returns; use digital gold, Gold ETFs, or SGBs instead.
Gold and silver prices have surged sharply in the past year due to global uncertainty and central bank buying. Experts suggest Indian households review how much of their savings are in precious metals and whether they are over or underinvested.
Here's what happened: Gold prices in India crossed ₹95,000 per 10 grams in 2025, delivering over 30% returns in 12 months.. Central banks worldwide, including the Reserve Bank of India, have been steadily buying gold as a reserve asset since 2022.. Global uncertainty — including US tariff tensions, dollar weakness, and geopolitical risks — continues to push investors toward safe-haven assets like gold and silver..
What you should do: Check your current gold allocation: financial planners recommend 10-15% of your total portfolio in gold as a hedge.. Compare Gold ETFs and Sovereign Gold Bonds (SGBs) — SGBs offer an additional 2.5% annual interest on top of price gains, making them the most tax-efficient option.. Avoid buying physical jewellery purely as investment — making charges of 10-25% eat into returns; use digital gold, Gold ETFs, or SGBs instead..
Sovereign Gold Bonds held until maturity (8 years) are completely exempt from capital gains tax — no other gold investment gives you this benefit.
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- [1]“Emkay Wealth sees more upside in gold and silver — How much should you invest?” mint - money · 7 Jun 2026
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