SGB Analyzer

Example Portfolio

Income-Focused Portfolio

Example allocation maximizing regular income

Risk Level

Moderate

Time Horizon

5-10 years

SGB Allocation

20%

Investment Range

₹50+ lakhs

This is a hypothetical example for educational purposes only. It is NOT investment advice. Please consult a SEBI-registered advisor before investing.

**Income-Focused Portfolio Philosophy**

This portfolio prioritizes regular income over capital appreciation: - High allocation to income-generating instruments - Multiple income streams (interest, dividends, rental) - Tax-efficient income where possible

**Role of SGBs:** SGBs contribute 2.5% interest paid semi-annually - tax at slab rate but still valuable for inflation-protected income. Multiple SGB series provide frequent interest payment dates.

Who This Portfolio Is For

Early retirees
Those needing regular income
Investors preferring income over growth
Those with adequate corpus seeking income

Portfolio Allocation

35%

20%

15%

10%

Fixed Income (FDs, Bonds)

35%

Core income generator

Bank FDsCorporate bondsRBI bonds

Sovereign Gold Bonds

20%

2.5% interest + inflation protection

Diversified across multiple SGB series

Dividend Yield Stocks/Funds

20%

Dividend income + growth potential

Dividend yield fundsPSU stocks

REITs

15%

Regular distribution income

Embassy REITMindspace REITBrookfield REIT

Liquid / Emergency

10%

Immediate access funds

Liquid fundsSavings account

SGB Allocation Strategy: 20%

20% in SGBs for semi-annual interest and inflation hedge

Recommended approach: Multiple series for frequent interest dates + laddered maturities

Investment Rationale

Multiple income streams for reliability

Mix of interest and dividend income

Inflation protection through gold and equity

Moderate risk for income stability

Tax efficiency where possible

Rebalancing Tips

Reinvest income if not needed immediately
As SGBs mature, consider reinvesting for continued income
Monitor dividend sustainability of equity holdings
Track income vs expense requirements

Important Disclaimer

**IMPORTANT DISCLAIMER:** 1. This is a hypothetical example portfolio for EDUCATIONAL PURPOSES ONLY. 2. This is NOT investment advice and NOT a recommendation to buy or sell any securities. 3. Example allocations may not be suitable for your individual financial situation. 4. Past performance of any asset class does not guarantee future results. 5. All investments carry risks including potential loss of principal. 6. Please consult a SEBI-registered investment advisor before making investment decisions. 7. Your actual portfolio should be based on your personal financial goals, risk tolerance, time horizon, and overall financial situation.

Related Portfolio Examples

conservative retiree balanced middle aged

Calculate Your SGB Returns

Use our calculator to estimate your potential returns based on investment amount and holding period.

Frequently Asked Questions

Rough estimate: 6-8% annual income (blend of 2.5% SGB interest, 7% FD, 3-4% dividends, 6-7% REIT distributions). On ₹50 lakhs, approximately ₹3-4 lakhs per year.

SGBs provide inflation-adjusted income (gold appreciation) plus fixed 2.5% interest. Having multiple series means interest payments throughout the year, not just twice.

Both are taxed at slab rate. However, SGB has no TDS while FDs have TDS above ₹40,000/year (₹50,000 for seniors). SGB maturity gains are tax-free for original subscribers.

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