SGB Analyzer

Retirees & Senior Citizens

Best SGBs for Retirees & Senior Citizens

Secure your retirement with gold-backed regular income

Retirement planning requires balancing income, safety, and inflation protection. Sovereign Gold Bonds offer all three - 2.5% annual interest, government guarantee, and gold's historical ability to preserve purchasing power.

For retirees, SGBs can be an excellent addition to your portfolio, providing diversification from traditional fixed income while generating regular interest payments.

Common Challenges

Fixed income losing value to inflation
Low interest rates on traditional deposits
Concern about outliving savings
Need for safe investments with regular income
Desire to leave wealth for next generation

How SGB Helps

2.5% annual interest provides regular income
Gold historically beats inflation long-term
Government of India guarantee - no default risk
Tax-free maturity gains preserve wealth
Can be passed to nominees/heirs
No storage worries unlike physical gold

Recommended SGBs for Retirees & Senior Citizens

#	Symbol	Price	Discount	Yield	Maturity
1	SGBSEP27	₹15,192	1.28%	0.86%	Sep 2027
2	SGBSEP28VI	₹15,302	1.62%	0.73%	Sep 2028
3	SGBAUG28V	₹15,327	1.56%	0.73%	Aug 2028

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6	████████	₹█,███	█.██%	█.██%	██-███-████

See All 36 SGBs

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Investment Tips for Retirees

1Choose SGBs with shorter maturities (2-5 years) for better liquidity
2Stagger investments across different maturity dates for regular redemptions
3Use interest income to supplement pension
4Consider SGBs as 10-15% of retirement portfolio
5Keep emergency funds separate in liquid FDs

Important Warnings

Gold prices can be volatile in short term
Interest is taxable at your slab rate
Secondary market liquidity may be limited
Not suitable if you need money within 1-2 years

Calculate Your SGB Returns

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

Frequently Asked Questions

Yes, SGBs are issued by RBI on behalf of Government of India, making them one of the safest investments. The only risk is gold price fluctuation, which historically trends upward over 5+ years.

SGBs pay 2.5% annual interest, paid semi-annually. For example, investing ₹5 lakh in SGB gives ₹12,500 per year (₹6,250 every 6 months). This is in addition to any gold price appreciation.

Not directly, but you can create a pension-like income by buying SGBs with staggered maturities. As each SGB matures, you receive the redemption amount which can supplement your pension.

SGBs can be transferred to your nominee or legal heirs. They can either hold until maturity or sell on the exchange. This makes SGB a good wealth transfer tool.

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