Gold SIP for safety, Silver SIP for growth; Know how to balance your portfolio

Those in the gold and silver industry also believe that gold provides security during the festive season, while silver offers growth opportunities. It is wise to balance the two and invest through SIPs.

New Delhi: Demand for gold and silver increases every year in India during the festive season. But now, these metals are in demand not only for jewelry but also for investment purposes. The availability of Gold SIP and Silver SIPs has made investing easier for both small and large investors. Experts believe that the right balance of gold and silver can strengthen your portfolio.

Gold's Steady Charm

Gold has always been considered a 'safe haven' in India. Gold prices are steadily rising in 2025. According to the latest data, spot gold reached $3,777.80 per ounce, while US futures closed at $3,815.70.

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Advantages of investing in gold:

• Hedged against inflation and currency risk.
• Low volatility, stable long-term returns.
• Central banks and large investors are consistently buying.

Disadvantages of Gold:

• High prices, expensive for small investors.
• Low growth potential compared to silver.

Silver: A Metal of Growth and Industry

Silver is not limited to jewelry; it is also used in industries such as solar panels, electronics, electric vehicles, and medical devices. This is why investors are eyeing silver.

Advantages of Investing in Silver:

• Affordable compared to gold, easy for small investors.
• Potential for higher growth due to industrial demand.
• Benefits of averaging when investing through SIP.

Disadvantages of Silver:

• High price fluctuations.
• Industry dependent, prices may fall during recessions.
• Silver ETFs are new in India, and liquidity is low.

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SIP: Makes investing easy and secure

Systematic Investment Plans (SIPs) involve investing a fixed amount every month. Investing in gold and silver ETFs through SIPs eliminates the need to purchase physical metals. Units are added to your demat account, eliminating the worry of storage and purity.

Expert Strategy: 70% Gold, 30% Silver

Experts say that gold should be the foundation of a portfolio because of its stability. Investing 30% in silver can benefit from industrial growth. Regular SIPs offset the impact of price fluctuations and increase the opportunity for long-term wealth creation.

Those in the gold and silver industry also believe that gold provides security during the festive season, while silver offers growth opportunities. It is wise to balance the two and invest through SIPs. This will not only bring joy to the holidays but also lay the foundation for strong investments in the years to come.