Digital gold, ETFs and physical gold
Three ways to own the same metal: an app-held allocation, an exchange-traded fund, or jewellery and coins in a locker. The differences are cost, liquidity and regulation, not the underlying asset.
What it means
Three ways to own the same metal: an app-held allocation, an exchange-traded fund, or jewellery and coins in a locker.
Why it matters to a household
The differences are cost, liquidity and regulation, not the underlying asset.
Where it trips people up
Ignoring making charges and GST on jewellery, which are paid on the way in and not recovered on the way out.
In an Indian household
Digital gold sits outside the main securities regulator's remit in India, which is a meaningful distinction from a gold ETF or a sovereign bond.
Where FamTally comes in
FamTally is a free AI-driven money manager built for Indian families. It holds your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and lets you ask an assistant questions about your own numbers rather than looking up general advice. Everything on this page is the kind of thing it works out for you automatically.
Stop doing this in a spreadsheet
FamTally keeps your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and answers questions about your own numbers. Free, and built for Indian families.
Start freeQuestions people ask
Digital gold, ETFs and physical gold
Three ways to own the same metal: an app-held allocation, an exchange-traded fund, or jewellery and coins in a locker.
Why does it matter?
The differences are cost, liquidity and regulation, not the underlying asset.
What do people usually get wrong?
Ignoring making charges and GST on jewellery, which are paid on the way in and not recovered on the way out.
Is there anything India-specific?
Digital gold sits outside the main securities regulator's remit in India, which is a meaningful distinction from a gold ETF or a sovereign bond.