Should I invest in Equity or Gold ?

POSTED BY Sameer Goel ON December 2, 2013 8:04 pm COMMENTS (7)

Hi Team,

First of all as always thanks for providing the wonderful information on this forum.

Myself is Sameer Goel age 33 yrs. Many times i have taken your suggestions in my financial life and at this time also i would require more.

I have a term insurance of 50 lacs. Already invested in PPF around 12000 annually  Invested 1000 Rs as a sip in each HDFC Prudence (G) and UTI opportunities fund from last two yrs. I have also 2 small lic policies and a RD account (Rs 1500).

From the new year itself, i want to start some more investment for Rs 1000 as sip for at least 15 years. The purpose is very simple for my daughter’s marriage who is currently 7 yrs old now.

Here i want to know whether i should move in equity or in any gold plane for this. Please suggest on this. If equity then in which fund or in gold then for which plan.


Sameer Goel

7 replies on this article “Should I invest in Equity or Gold ?”

  1. ashalanshu says:

    Dear Sameer, please increase the SIP amount into HDFC Prudence itself. Later on as and when you can increase the amount, increase the mly amount.



  2. ashalanshu says:

    Dear Sameer, do you think 1000 Rs. mly investment is enough for your d’ter’s wedding corpus, needed after 15-17 years from here onwards?


    1. Sameer Goel says:

      Hi Ashal,

      Yes i know that after 15 yrs the amount will not be enough for the marriage purpose.
      But atleast if i would go with a good equity fund with atleast 15 yrs, then i think i will have a smart amount in my hand.

      Please suggest.


  3. rahul123 says:

    I am not good at it, hence can not recommend it…but will give you once suggestion.

    Instead of asking some unknown person (like me), why don’t you learn about how to select a good MF. I am sure it will take you less than a month to learn this, and you will get more realistic understanding of its risk/return.


  4. rahul123 says:

    1. PPF works best if you utilize it fully (i.e invest Rs 1,00,000, for 15 years) it is guaranteed money….
    2. Buy 5- 10 Units of Goldbees in a year (for daughter)
    3. After exhausting these options, if you have left with some money, you can think of putting your money in equity market


    1. Sameer Goel says:

      Hi Rahul,
      Thanks for the suggestion. Can you please let me know some good equity fund for investment.


  5. Anshuk Jain says:

    I believe you can have small proportion of your portfolio in Gold (Goldman Sachs GOLDBEES)

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