How Akshaya Tritiya Inspired Me to Start Investing in Gold Funds (And Why You Should Too)

As a CERTIFIED FINANCIAL PLANNER for over three decades, I’ve seen trends come and go, but one asset class that has stood tall through every storm—economic, political, or emotional—is gold.

Each year, on Akshaya Tritiya, my phone buzzes with client queries:

“Should I buy gold coins today?”
“Is it worth buying jewellery?”
“Is it a good time to invest in gold mutual funds?”

And every year, my answer has evolved—but my intent remains the same: to help them make smart decisions, not just traditional ones.

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Why Akshaya Tritiya is So Much More Than Just Tradition

Growing up, I remember accompanying my mother to our family jeweller on this sacred day. The glitter of gold bangles and the warm halwa at home marked prosperity. But today, as someone who helps families build lasting wealth, I see gold differently.

Gold isn’t just a precious metal. It’s financial wisdom.

Especially when you buy it as a part of your investment strategy—not just jewellery.

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Why I Recommend Gold Funds Over Physical Gold Today

Let’s be practical.

While gold jewellery is beautiful, it comes with:

• Making charges (6% to 25%)
• Risk of theft
• No returns unless sold
• Zero diversification (you’re locked in a single asset)

Gold Mutual Funds and ETFs, on the other hand, offer:

• Liquidity
• Transparent pricing
• Safety (no locker costs)
• Long-term compounding through SIPs
• And most importantly, they help balance your equity-heavy portfolio

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My Favourite Gold Investment Options Today

Over the years, I’ve guided hundreds of clients—retirees, business owners, newly married couples, and even single mothers—to include gold in their portfolios. Not for glitter, but for stability and diversification.

Also read: How to Plan Your Happiness Life with Top 10 Money Strategies

Why Gold Funds Make Sense—Especially Now

Even though gold prices are 4% below their lifetime highs, they have outperformed equities in several financial years. Historically, gold has also served as a hedge against inflation and currency devaluation.

With global uncertainties on the rise—gold has once again reclaimed its position as a safe haven asset.

As a coach, I advise clients to allocate at least 5–10% of their portfolio in gold.

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What Makes Akshaya Tritiya So Special for Gold Investing?

This day is not just symbolic—it’s psychological. On this day, you align your money actions with abundance. That’s why I always say:

“Don’t just buy gold. Invest in gold to build wealth.”

Here’s what you get when you choose a Gold Fund:

Benefit Physical Gold Gold ETF/Fund

• Liquidity Low High
• Storage Issues Yes None
• Transparent Pricing No Yes
• Making Charges High None
• SIP Facility No Yes
• Demat Needed Yes (ETF only) No (FoF only)

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Real Example from My Client Files

One of my senior clients from Delhi, Mr. S., used to buy a gold coin every year for Akshaya Tritiya. I convinced him to start an SIP in xxxx Gold Fund instead. Seven years later, not only has his investment grown significantly, but it’s also helped balance his otherwise equity-heavy portfolio.

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So, What Should You Do Today?

If you’re reading this before 2:30 PM today—don’t miss the opportunity.

Even if it’s Rs. 500, invest it in a gold mutual fund from your app.

Let this Akshaya Tritiya mark the start of your “Richness Gold Portfolio”.

And if you’ve missed it?

Don’t worry.

Every day is auspicious when you take wise financial decisions.

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Conclusion

Gold Funds are the new-age way to embrace age-old traditions with smart financial planning. You stay rooted in culture, yet aligned with your wealth goals.

And that’s the power of Akshaya Tritiya—it brings luck when paired with action.

I’ve already done my gold SIP for the month.

Have you?