🛑 Stop Treating Jewellery Like an Investment
(Your Necklace Has Emotions, Not Compounding Powers) 😅💍
In India, gold isn’t just a metal.
It’s an emotion.
It’s tradition.
It’s family approval.
And sometimes… it’s a backup plan nobody talks about. 🤫
Weddings? Gold.
Festivals? Gold.
Relatives visiting? “Gold rate kya chal raha hai?” 😄
But here’s the truth bomb we need to drop — gently, respectfully, and with love:
👉 Gold jewellery is a lifestyle expense, not an investment.
It looks rich.
It feels secure.
But financially?
It starts leaking money the moment you leave the showroom.
📉 The Moment You Walk Out, You’re Already in Loss
That ₹5 lakh necklace you proudly bought?
The moment you step outside the jewellery store:
💥 Its resale value drops.
💥 The design premium disappears.
💥 The “sir this is very fine craftsmanship” speech becomes irrelevant.
Why?
Because when you sell jewellery, buyers only care about:
✔ Weight
✔ Purity
Not emotions. Not memories. Not mirror selfies. 😄
📊 The 50-Year Reality Check: Gold the Asset vs Gold the Ornament
Let’s be clear — gold itself is NOT the problem.
Gold has been a rock-solid store of value for decades.
📅 1976: ~₹432 per 10 grams
📅 2026 (Today): ~₹1,67,000 per 10 grams
That’s 38,000%+ growth over 50 years.
Gold did exactly what it was supposed to do — protect wealth from inflation. 👏
But here’s the catch:
📌 Gold grows.
📌 Jewellery bleeds.
The way you hold gold decides who enjoys the returns:
➡️ You
➡️ Or the jeweller, government, and bank locker
💸 The Hidden Leaks in Jewellery (Nobody Warned Us About)
Let’s break down where your money quietly escapes.
🔧 Making Charges & Wastage (The Silent Killer)
You pay 10% to 25% extra for design and craftsmanship.
When you sell?
💨 Poof. Gone.
Your necklace becomes just “X grams of gold.”
🧾 GST (3%)
Paid on the entire value.
Recovered later?
Nope.
Never.
Not even emotionally. 😄
🔐 The Locker Trap
Storing gold at home = anxiety.
Storing it in a bank = annual subscription fee.
💸 ₹3,000 to ₹20,000 per year + GST
Over 10–15 years, locker rent alone can eat a huge chunk of your gold’s appreciation.
Gold went up.
Your net returns quietly went down. 🫠
🚀 The 2026 Upgrade: Gold ETFs
(Same Gold. Zero Headaches.)
This is where modern investors are becoming more savvy.
📉 Less jewellery buying for “investment”
📈 More Gold ETFs for wealth protection
Gold ETFs let you own gold without owning the problems.
🏆 Why Gold ETFs Make More Sense
✅ No Making Charges. Ever.
You buy gold at the market price.
That’s it.
No wastage. No design premium. No emotional tax.
✅ Liquidity That Actually Works
Need money?
Sell your ETF units on the stock exchange.
💰 Cash hits your bank account next working day (T+1)
No bargaining. No “rate thoda kam milega.” 😄
✅ Assured Purity
Each unit is backed by 99.5% pure physical gold, stored in insured and audited vaults.
You get purity.
You skip locker rent.
✅ SIP Convenience
You don’t need lakhs to start.
💡 Start a Gold SIP with a few hundred rupees.
Disciplined investing.
Zero stress.
Very adult behaviour. 😄
❤️ Jewellery Is for Emotions. ETFs Are for Returns.
We’re not saying:
❌ Don’t buy jewellery
Please do — for:
💛 Weddings
💛 Festivals
💛 Gifting
💛 Looking fabulous
But if your goal is:
✔ Beating inflation
✔ Protecting purchasing power
✔ Building long-term wealth
👉 Stop confusing ornaments with investments.
Let jewellery shine on you.
Let ETFs work quietly in your Demat account. ✨
🟡 Ready to Start Your Gold SIP?
Don’t let:
❌ Making charges
❌ GST
❌ Locker rent
…silently steal your future profits.
Upgrade your gold strategy.
Because smart investing should shine brighter — and compound better — than jewellery. 💛📈
⚠️ Disclaimer: This Blog is for general guidance only and does not replace personalised financial advice.
🌐 Stay tuned to Our Blog https://www.stockmarketpedia.in/home/blog — where we decode the stock market one laugh at a time. 😎💰
📖 Craving deeper dives and serious know-how (minus the financial snoozefest)? Surf over to: https://www.stockmarketpedia.in/
📚 Prefer your reading with chai in one hand and market wisdom in the other? Now available on Amazon Kindle
Stock Market Decoded - A Beginner's Guide to Smart Investing by P. Shirley — perfect for sounding smarter than your portfolio at dinner parties.
Money Money Money – Tickling You into an Investing Habit by P. Shirley — the nudge your lazy rupees have been waiting for.
Want to open an account with Mirae Asset Sharekhan?
Got burning questions about bulls, bears, or bizarre market behaviour?
Ping us at: stockmarketpedia4u@gmail.com
WhatsApp: 8300840449
© 2025 Stock Market Pedia. All Rights Reserved
No comments:
Post a Comment