Gold & Silver ETFs

 Why ETFs?

One of the key benefits of investing in Gold ETFs and Silver ETFs is that they offer a convenient and cost-effective way to invest in precious metals. The purity of the metal is assured, and it is kept in safe custody, thus eliminating the risk of theft is eliminated.

So Main Benefits of ETFs over physical gold are:-

• Liquidity and Accessibility: Gold ETFs are traded on stock exchanges, making them highly liquid. Investors can buy and sell units of ETF just like stocks, offering easy access to the gold market.
• Transparency: One of the key advantages of gold ETFs is their pricing transparency. Investors can easily monitor the price of gold and consequently the performance of gold holdings.
• No Storage Hassles: Owning physical gold comes with storage and security concerns. Gold ETFs eliminate these worries as investors do not need to store the metal physically.
• Affordability: One unit of Gold ETF costs approximately Rs. 85. Given the lower cost of acquisition, One can invest with a minimum amount of INR 1,000.
• Lower Other Costs: Buying physical gold can incur significant costs, including making charges, storage charges, dealer premiums etc. As compared to these, gold ETFs have much lower expense ratios.

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List of Gold ETFs with 1-year Return (As of April 2025)

Fund Name	1-Year Return (%)	Expense Ratio (%)	Net Assets (Cr)
UTI Gold Exchange Traded Fund	32.11	0.5	1,844
Tata Gold ETF	31.97	0.36	514.00
HDFC Gold ETF	31.85	0.59	9,026
Quantum Gold Fund	31.84	0.78	299.00
LIC MF Gold ETF	31.48	0.41	294.00
Axis Gold ETF	31.38	0.56	1,553
UTI Gold ETF FoF - Direct Plan	31.26	0.16	225.00
ICICI Prudential Gold Exchange Traded Fund	31.08	0.5	7,189
ICICI Prudential Regular Gold Savings Fund (FOF) - Direct Plan	31.02	0.09	1,909
Aditya Birla Sun Life Gold ETF	31.0	0.47	1,110
Zerodha Gold ETF	30.98	0.31	233.00
Quantum Gold Savings Fund - Direct Plan	30.97	0.03	181.00
Kotak Gold ETF	30.97	0.55	7,167
Mirae Asset Gold ETF	30.94	0.34	734.00
Tata Gold ETF FoF - Direct Plan	30.86	0.16	213.00
SBI Gold ETF	30.84	0.73	7,634
Baroda BNP Paribas Gold ETF	30.82	0.48	88.00
DSP Gold ETF	30.82	0.45	774.00
Invesco India Gold ETF	30.8	0.55	257.00
LIC MF Gold ETF FoF - Direct Plan	30.76	0.2	104.00
HDFC Gold ETF Fund of Fund - Direct Plan	30.73	0.18	3,558
Edelweiss Gold ETF	30.73	0.59	159.00
Nippon India ETF Gold BeES	30.69	0.82	19,782
DSP Gold ETF FoF - Direct Plan	30.45	0.65	76.00
Nippon India Gold Savings Fund - Direct Plan	30.38	0.13	2,744

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Controlling Your Emotions During Market Swings

The recent market volatility, with its dramatic price swings, can be a nerve-wracking experience for investors. It's during these turbulent times that our emotions can run high, often leading to impulsive decisions driven by behavioral biases. As the saying goes, discipline is the cornerstone of a successful investment strategy, but it's not just about sticking to the rules; it's about mastering your emotions too. The biggest investing blunders happen not because of bad strategies, but because of emotional decisions.

One of the most respected financial writers, Nick Murray, once said, "Investment performance doesn't determine real-life returns; investor's behaviour does."

When markets soar, greed whispers sweet promises of endless gains, inflating our confidence to dangerous levels. We start seeing ourselves as market gurus, ignoring warning signs. Then, when the tide turns, fear takes over. Seeing prices plummet, we panic, convinced the sky is falling. We dump stocks at rock bottom, locking in losses and missing out on the eventual rebound. These emotional rollercoasters are driven by behavioral biases - those sneaky mental shortcuts that lead us astray. We become prisoners of our perceptions, not masters of our analysis. We buy high, sell low, and wonder why we're not getting ahead. The truth is, successful investing isn't just about crunching numbers; it's about understanding - and conquering - your own inner demons. Recognizing and managing these biases is crucial to making rational investment decisions, especially during periods of heightened volatility.

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Source/Contribution by : NJ Publications