Three ways to own gold, three different cost structures, and for the NRI, three completely different relationships with tax authorities on two continents. The standard India-centric comparison (demat vs jeweler vs PhonePe) misses the questions that actually keep an Indian in America up at night: which of these can I even access from here, what … Read more
You earn in dollars, think in both dollars and rupees, and get a call from home every Diwali asking whether gold looks cheaper on your side of the ocean. The honest answer is complicated. The American gold market was built for investors who want 24k bullion in sealed capsules, while your instincts were built in … Read more
The wall you hit before the comparison even starts You are in the US. Diwali is coming, or Akshaya Tritiya, or just a payday, and you want to buy a little gold in India the easy way. You open Google Pay, tap around for the gold option, and hit the wall: the app wants an … Read more
The NRI’s dilemma: the best gold product in India was never yours For nearly a decade, “just buy Sovereign Gold Bonds” was the default gold advice in every Indian family chat: government-backed, 2.5% annual interest on top of gold price gains, tax-free capital gains at maturity, no storage or purity worries. As an NRI watching … Read more
The NRI’s dilemma: a 401(k) from two jobs ago and a mailbox full of gold ads You have an old 401(k) sitting with a former employer’s plan. Your mailbox and YouTube feed are full of ads promising to protect your retirement with physical gold in a “Gold IRA,” usually with a celebrity voiceover and a … Read more