Everything you Need to know to Invest GOLD in India | Personal Finance | Finstreet


Welcome everyone
Aaj hum baat kr rahe hain gold investing ke
bare mein
Gold yani ki the precious yellow metal
jo ki 2500 yearsse hmari economy mein as a
currency use ho rha hai
gold ek bahoot he important metal hai jo ki
uske bahoot sare chemical properties hai ki
woh react nahi krta, melleable hai, ductile
hai which make suitable for use in jewellery
and sheets bn skti hai
ye sb important nahi hai.
Important hai ki gold apni value kahaan se
lekr aata hai?
Gold apni value leke aata hai apni supply
se
yani ki gold sirf aur sirf hr sall sirf 2000
tonnes he naya gold lekr aa skte hai
which is one percent of the supply
lekin jitna bhi duniya mein gold hai, uska
sirf one percent new gold aata hai duniya
ke supply mein.
Jiske karan se jo gold ke jo value hai vo
increase krti rehti hai kyuki uski demand
badhti rehti hai,
jbki uski supply jo hai wo limited hai.
ab hum baat krnege ki “Gold Investing In India”
Last year gold investing mein bahoot logoon
ne profit kmaya tha.
it’s been a very good year for gold.
It started from 28 thousand to 30 thousand
ke around se start hua tha and issi year mein
40 thousand tk gya.
Iska mtlb hi ki 33% – 34% return apne investors
ko dee hai
To gold itna important asset class kyu hai
and gold investing hmare kya kya parameters
hote hai.
These are the things that will be discussed
in the remaining part of the video.
Gold ke badhne ka reason kya hai???
Sbsa pehla reason hai dollar crisis.
Jo weak dollar hai, jb bhi us ki market recession
ki taraf jati hai ya unki yield hai wo km
ho jati hai.
and in return jo dollar ki value hai vo girne
lgti hai to gold ka price badhta hai.
To gold ek bahoot he important factor hai
ki jb bhi hmara jo dollar hai vo girta hai
to gold ka price badhta hai.
Isse ap aise bhi samajh skte ho ki koi bhi
currency devalue ho gai ya currecny ki value
gir gai.
To uske saath saath gold ka jo price hai vo
girega.
Low savings rate
Jaise ki aap jantehai ki bahoot sari countries
mein jo saving rate hai vo gir rha hai and
voh kum hue jaa rha hai, with the passage
of time.
usse hota kya hai, ki jo gold ke rates hai
vo badhte rehte hai.
Mtlb ki hota kya hai, ki mein savings mein
paise kyu rakhoonga.
Mein savings mein paisa islliye rakhoonga
kyuki ek particular rate of interest/rate
of return jo hai vo expect krta hoon.
Jb wo rate of interest ya rate of return jo
hai vo gir jata hai to system mein jo yakeen
hai vo girne lgta hai.
to log gold/alternativr asstets ki trf jana
shuru krte hai.
Ya fir jo Japan jaisi countries hai jo negative
rate of interest pe chal rahii hai ya negative
rate of return pe chal rhi hai.
To un cases mein vahaan pr jo aapka return
rehta hai to gold ki jo investing hai vahaan
jyda hogi.
To voh countries gold ko Jyada buy kreingi
Inflation
Inflation kya hai?
Supply of money.
Jb duniya mein jo total money hai vo badh
jati hai.
To gold ki value automatically increase krne
lg jati hai.
Inflation yani ki, hum aur aap, mamulli log
smajhte hai ki inflation hai mahengai ka badhna!
To gold jo hai vo ek resistive asset hai,
jo inflation ko hmesha resist krta hai.
To jaise jaise inflation badhegi, to gold
ke prices bhi badhenge to gold inflation se
teji se inflation ke brabr move krega he krega!
To jaise jaise inflation badhegi, to gold
ke rates badheinge!
Economic Crises
Economic crises ki hm already baat kr chuke
hai, ki jaise India mein abhi economic crises
mein kuch hd tk jaa rha hai aur kuch hd tk
nahi ja rha hai
But slowdown economy jaroor hui hai.
Aur isi slowdown ke karan se gold ke rates
badhein hai.
The same goes with the US economy and the
other economies around the globe jo comparitively
slow down kr rhi hia.
Us hmara slowdown mein hai, Europe ki economies
slowdown mein hai jo Brexit ke karan slowdown
mein hai. India apne aap mein slowdown ho
gya hai.
To jb bhi hmari economic crisis aata hai,
economy slowdown ho jati hai, to gold ke rates
badhte rehta hai.
Fall in Gold supply
Fall in gold supply, ye to hm smjhte he hai
ki jaise jaise hm gold upr se nikalte ja rhe
hai, uski mining hr saal aur dificult hoti
jaegi.
Jiski cajah se mining ki cost bdhti rehti
hai.
Jiske karan se gold ka price bdh jata hai.
Interest Rates is also an important factor
Political Concerns jaise ki brexit ho rha
hai, to Europe pe bahoot jyada impact pdne
wala hai.
To euro jaise currencies ja jo crisis hai
vo ya unki jo existential crisi hai, jaise
veitnamese currencies ke saath dekha, bolivar
ke saath dekha
ki unki jaise value gir rhi hai.
To jaise jaise in currencies ki value giregi,
ek crisis bnega!
To ye jo bhi hai, ye sb political concerns
kr karan hai, jisse hmare jo gold ke prices
hai vo bdhne shuru honge.
Local demand ki baat karoon to, those can
be one of the reasons.
Gold jo hai wedding mein bahoot jyada use
hota hai, especialy Indian Weddings.
Local supplpy and demand ke karan bhi gold
ki prices fluctuate krti rehti hai.
Gold in itself is secure, kyuki gold is hedged
against the markets.
Agar stock markets duniya ki voh gireingi
aur unmein crisis aaega.
aur agar mein history ki baat karoon, to hmesha
jb jb bhi economic crisis hua hai, tb tb gold
ke prices bdhein hai.
Agar stock market down jaeingi, to gold ke
prices badheinge.
To is time pe gold market investing point
of view se kafi achi ho skti hai.
Agar ab mein kuch factors ki baat karoon,
gold ke
To jaise puri duinya mein terrorism hai ki
jaise Seriya ka case dekha.
Bahoot sare cases jahaan terrorism bdh rha
hai.
To jo government hai usse send krna pdega
debt kr upar,
Debt aur assets kr upar.
To iske karan bhi gold ke prices bhi badhte
hai.
Increasing Monetary supply, Jaise hmne abhi
dekha ki jaise FED ne bahoot sara paisa inject
kiya hai monetary system mein,
Taki jo hmari governments jo hai vo chlti
rhe.
Indian Government mein bhi RBI ne bahoot sara
paisa push kiya hai indian government mein.
To jaise jaise money ki supply, badhegi jaise
inflation ki baat kr chuke hai, to gold ke
prices bdhegein.
Low Bond Yield Curves, Jaise jasie yield km
hogi, usse bhi gold ke prices ko frk pdega.
Aur jaise jaise bond ki yields jo hai vo km
hongein, Usse bhi gold ke prices ko bahoot
frk padega!
Aur jaise jaise bond ki yields km ho jaeingi,
interest rates again, km hote rheinge to jo
gold ke prices hai vo bdheinge.
Aur ek bahoot important factor hai ki US ki
GDP ka slow hona, jo hm already baat kr chuke
hai, ek jo bahoot badha incident jo hua hai
gold ke saath recently,
Ki woh yte hai ki China and Russia bahoot
sara Physical Gold khareed rahe hai.
Dono he bahoot major economies hai ya bahoot
bdi economies hai!
Aurr dono he ye major economies Gold Khareed
Rahe hai; physical gold khareed rhe hai.
Paper gold nahi.
Paper gold and Physical gold ke difference
pe hm baad mein aaeinge iossi video mein.
To ye itna saara gold khareed rhe hai, kahin
na kahin ye gold prices, usmein uncrease hoga
he hoga.
To isse jo gold ke prices mein jo increase
hoga, wo hmare liye bahoot benficial ho skta
hai gold ke prices ke liye.
Aur jis tarah se baat ho rhi hai, jo ye recent
hike hai, voh bhi, mujhe lgta hai ki, Russia
and China ke karan he hai.
Abhi retail investors ne khareed na shuru
nahi kiya hai.
Aap ye baat smjhiye ki sbse pehle countries
and institutional investors khareeinge.
Fir high net individuals khareedeinge, fir
retail investor khareeinge.
To agar aap abhi khareed lete hai, kyuki jb
retail investor khareed rha hoga, tb tk gold
ke prices kaafi bdh jaaeinge.
To Russia and China ka Gold khareedna kafi
symbolic ho skta hai, gold ke future ke prices
ke liye.
Libralization of China.
China aur Russia apne aap ko bhi US dollar
se detach krne ki koshish kr rhe hai.
Jo ki vo bahoot time se koshish kr rhhe hai.
But abhi unke kafi fruitful and effective
steps iss direction mein dekh skte hai.
China and US ki jo Trade war hai woh abhi
bhi chal rhi hai.
Uski vajah se bhi hm dekh skte hai, ki China
liberalization ki trf jaa rha hai.
China ka US dollar ope dependence ki baat
karein to China wo dependence ko kum kr rha
hai.
Agar ye dependence, isse trah china kum krta
gya mtlb ki aur kum hoti fai ye dependence,
to hoga kya ki eventually, Gold ke prices
badheinge.
Gold ek central currency hai, joi all around
the globe, hmari accept hoti hai.
Isse bahoot jyada, gold ke prices ko affect
hoega!
Also,hm pichle kuch salon mein koi new gold
mine nahi dhoondh pae hai.
Iska mtlb ye hai ki hamein aur naya Gold Earth
mein nahi milega.
Abhi hm vaheen se mine kr rhe hai jinke bare
mein hamein pta hai.
To jo woh 2000 Tonnes ka rate hai wo hamein
near future mein increase hote hue nahi dikhega.
Ab hm baat kareinge about the different ways
to invest in Gold!
To Gold mein invest krne ke alag alag tareeke
kya ho skte hai?
There are two major ways
Pehla hai Physical gold, Physical gold se
aap kaise kr skte hai?
Either you buy Jewellary ya fir aap Pure Gold
Khareed Skte hai, Gold Coins Khareed Skte
hai, Gold Bricks kr skte hai.
Iske alawa apne paas option aata hai doosra
woh hai paper gold.
Paper gold mein aisa hota hai ki aap actual
Gold nahi khareedte hai.
Actual , physical, gold khareedne mein kuch
problems aati hai jaise, uski purity check
krna.
Ki woh pure hai ya nahi hai?
Koi Mixing na ho.
Jaise gold is classifies into carats, ki jaise
gold khareed rahe ho to woh 24 carats ka ho.
Agar Jewellary khareed rahe ho to 22 Carats
ki ho.
Carats determine the amount of money you you
have to pay.
18 carats pe 18 catats ke price pat kro and
etc.
Uski purity check krna ek important task rehta
hai and woh bahoot logo ko tedious lgta hai.
Ans secondly, aapko badi quantities mein khareedna
hai.
Supposedly, jaise aaj mujhe Thousand Rupees
ka Gold khareedna hai, to it is difficult
to buy physical gold of this amount.
Specifically agar mujhe Pure gold Khareedna
hai.
To mein woh badiu quantities mein he khareed
skta oon.
Ye ek bahoot bda task rehta hai physical gold
ke saath.
To isiliye hmara second form of gold jo hai
that is preferref, that is paper gold.
Ab paper Gold kya hai?
Paper gold is nothing, bs aap usse aise smjhie
ki jaise apne ek contract le lia ki apke pass
gold hai.
Woh kaisa ho skta hai hmara paper gold and
kis kis form mein ho skta hai???
Paper gold apka ETF, Yani ki Exchange Trade
Funds.
Ye kya hote hai, ki jaise hmare, nse and bse
pr bhi mil Jaeinge, gold etfs’
Yani ki ye apko bta denge, ki acha aapke pass
gold hai and app iss gold ko exchange mein
trade kr skte hai.
Ki aap Gold ke Futures khareed skte hai ya
fir aap gold hold bhi kr skte hai.
And aap uskko echange pe trade bhi kr skte
hai.
It is just like stoks.
Jaise hmare stocks hote hai vaise he hum gold
bhi khareed skte hai.
ETFs’ ke through.
Uske baad hai Sovereign Gold Bonds (SGBs’)
Jo sovereign Gold Bonds hai, SGBs, to yeh
bonds generally governments issue krti hai.
Aur ismein kuch bond hota hai, ek year ka
and ismein kai baar vo interest bhi de deti
hai, different-different schemes ke saath.
And this varies.
To ismein goverment promise krti hai ki supposedly
aap 10 grams of gold lena chahte hai…
To aap 10gms ka SGB le lijiye and iss bond
ka price utna he hoga jitna gold ka price
hai.
But ismein ye problem hai ki ismein jo rate
hai aapka, isse aap market mein exchange nahi
kr skte, kyuki government he decide kregi
gold ka rate.
Iske Baar aajate hai hmare Digital Gold, and
iske liye hmare pass bahoot sare platforms
hai, jaise PayTm Gold hai, jaise aap sb ne
dekha he hoga.
Abhi PhonePe ne bhi start kra hai Digital
gold schemes, Gold Rush hai ek bahoot purani
company.
Woh bhi kaam kr rahi hai iske upar, digital
gold ke upar.
In platforms pe aap 10 rupees ka bhi gold
khareed skte hai.
To aap aaj ke rate ke hissab se, jo bhi rate
hai, wo khareed lejiye and wo aapke wallet
mein uss amoujnt ka gold daal dete hai.
And apke wallet mein dikhna shuru ho jata
hai ki apke wallet mein uss amount ka gold
hai.
To aap digital gold bhi le skta hai.
Abhi hmne jo bhi choices discuss kri hai,
Paper Gold vs Hard Gold.
To in dono mein major difference kya hai?
Physical Gold ki jo value hai wo around the
globe kr skte hai.
agar mein gold yahaan khareedloon to mein
usse US mein bhi bech skta hoon and UK mein
bhi bech skta hoon.
But agar mein SGBs ki baat karoon, vo government
degi
ETFs ki baat karoon to wo hmari exchange hai
woh dengi.
Jaise etf mein NSE ye BSE ka le rha hoon.
To mein unhe ke saath exchange kr skta hoon.
And jo iske liquidity ke jo concerns aa skte
hai.
But agar mein gold as an asset, physical gold
ki baat karoon, wo hm kahin pr bhi exchange
krwa skte hai.
Abhi tk hmne saara cover krliya hai, ki kya
hota hai gold, ki gold ki history kya hai?
Ye hmne bahoot brief mein discuss kiya.
Hmne ye bhi discuss kiya ki what are the parameters
that affect the price of gold.
Hm determine kr skte hai ki gold kyu badh
rha hai?
Hmne ye bhi discuss kiya ki hm gold mein kaise
invest kr skte hai.
Ab ek bahoot he important case hai ki jb bhi
hm gold investment ki baat karein, mein manta
hoon ki discuss krna bahoot jaroori hai.
Because gold ke related ek bahoot bda fraud
ho chuka hai Histoiry mein.
Morgan Stanley ke naam ka ek bahooot bda investment
bank tha US mein.
Investment aap aise smjhiye ki jaise India
mein ICICI Bank hai, HDFC bank hai inse bahoot
he bda morgan stanley bank hota tha.
To unhone 2005 mein, logoon ko aise he paper
and digital gold diya tha.
But eventually ye pta chala ki from 2 decades,
mtlb 1985 mein dena shuru kiya and 2005 mein
pta chala ki woh loloon ko gold diye ja rahe
the, but actually unke pass gold tha nahi.
Wo apko promise kr rahe the ki gold hum apke
liye lekr store kr lenge, but actually woh
aisa nahi kr rahe the.
Morgan Stanley ne ye scam 2005 mein kiya tha.
Isse pta chalta hai ki agar itni badi investment
firm aisa kuch kr skti hai.
To bahoot jyada chances hai ki aapke saath
bhi aisa ho skta hai, agar hum gold investing
ki baat karein.
Jo ek analyst hai hmare, Andre Kostolany;
unka estimate hai ki every ounce og Gold is
Sold to 4 people.
Yani ki, agar mein hard gold ki baat kaaroon.
To agar duniya mein abhi 200000 tonnes of
gold hai, to already log 8 tonne gold bech
chuke hai.
Yani ki, agar sb ke sb log sona mangle, to
unko gold nahi milega.
Ye baat aap samajhne ki koshish kejiye

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