Sahare Wealth · Gold Accumulation Plan
Collect gold, gram by gram
The Gold Accumulation Plan helps you build gold savings every month through a gold savings mutual fund, starting with the value of just 0.1 gram. No locker, no making charges and no purity worries.
- Start small
- No storage worries
- Redeem online
Why investors choose it
A simpler way to save in gold
Small monthly amounts add up, without the hassles of buying and storing physical gold.
Cost-effective
No making charges, locker rent or insurance. You pay only the fund's expenses.
Safer than physical gold
No risk of theft or loss at home, and no doubts about purity.
No jeweller visits
Invest and track your gold savings online, from anywhere.
Redeem when you need
Sell part or all of your units online, and the money comes to your bank account.
Compare
Physical gold or Gold Accumulation Plan?
Both follow the price of gold. The difference is in cost, convenience and what you get back.
| Feature | Physical gold | Gold Accumulation Plan |
|---|---|---|
| Starting amount | Usually at least 1 gram | The value of 0.1 gram a month |
| Extra costs | Making charges on jewellery; locker or insurance | Fund expenses (the fund of funds and the gold ETFs it holds) |
| Purity | Depends on the seller | Gold ETFs hold standard-purity gold |
| Safety | Risk of theft or loss | Held as units in your folio |
| Selling | Through a jeweller; deductions are common | Online redemption to your bank account |
| What you get back | Gold | Money, at the fund's NAV, not physical gold |
Get started
Start your plan in 4 steps
Set-up is online through FundzBazar. Message us on WhatsApp if you need help.
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Set your goal
A wedding, a gift for your child, or simply adding some gold to your savings.
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Plan your investment
Choose how many grams' worth to collect each month and for how long.
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Start investing
Sign up through our FundzBazar link, complete your KYC and set up the monthly auto-debit.
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Track and redeem
See how many grams' worth you have collected, and redeem online when you reach your goal.
Before you invest
Good to know
Gold prices move
Gold can fall or stay flat for years. The value of your plan goes up and down with it.
Two layers of expenses
A fund of funds has its own expenses plus those of the gold ETFs it holds. Check the total before you start.
Exit load may apply
Some funds charge an exit load if you redeem within a set period. Check the scheme documents.
Money, not jewellery
You redeem for money. To buy jewellery, you'd use that money at a jeweller.
Part of a mix
Gold works best as one part of a diversified portfolio, not as all your savings.
Gains are taxable
Gains on redemption are taxed as per income-tax law. Check with your tax adviser.
Questions
Frequently asked questions
Will I get physical gold?
No. You hold units of a gold savings mutual fund. When you redeem, you get money in your bank account, not gold.
How is my investment amount decided?
You choose how many grams' worth to collect each month. The amount is based on the prevailing gold price, so it changes as the price changes.
How is the value of my plan calculated?
Through the fund's NAV, which moves with the price of gold held by the underlying gold ETFs, after expenses.
Can I stop or change my plan?
Yes. You can usually stop or change the monthly investment, and your units stay invested until you redeem them. Ask us if you need help.
Is this the same as a Sovereign Gold Bond?
No. Sovereign Gold Bonds are issued by the government for a fixed term, and new issues depend on the government. A gold savings fund is a mutual fund you can invest in monthly and redeem when you need to.
Does Sahare Wealth guarantee returns?
No. Returns depend on gold prices and fund expenses. We help you set up and track your plan.