Gold vs Silver in 2025: How Much Should You Own?

Gold and silver prices are rising fast due to global uncertainty and central banks buying more. But how much of your savings should actually go into these metals? Here is a simple guide for Indian investors.

Here's what happened: Gold prices have surged over 25% in the past year, touching all-time highs above ₹95,000 per 10 grams in India.. Central banks worldwide, including the RBI, have been steadily increasing gold reserves — a signal of long-term confidence in the metal.. Silver is also gaining attention as an industrial and investment metal, often outperforming gold during bull runs due to its smaller market size..

What you should do: Limit gold and silver together to 10–15% of your total investment portfolio — not more, as they earn no regular income like dividends or interest.. Choose Sovereign Gold Bonds (SGBs) or Gold ETFs over physical gold — you save on making charges, storage costs, and get better tax treatment on SGBs held to maturity.. Avoid buying silver in physical form (coins or bars) unless you have secure storage — Silver ETFs are now available on NSE and BSE and are far more practical..

Sovereign Gold Bonds held until the 8-year maturity are completely exempt from capital gains tax — making them more tax-efficient than gold ETFs or physical gold for long-term investors.