How to start investing in gold with rs 100

Ankita: Hey Shreya, have you ever considered gold investments?

Shreya: Gold investments? Don’t you need a bigger budget for the same?

Ankita:  Not anymore! You can start with just ₹100.

Shreya: Seriously? Can you give me more information?

Ankita: Yes sure! Check out this blog by LXME titled, “Gold Investment Plan: How to start investing in gold with just rs.100?”


Investing in Gold has been a great way to protect and diversify one’s investment portfolio. In India, gold holds immense cultural and economic significance, making it a preferred choice among women. To make the most of it, women need to move from traditional approaches to smarter ways of investing in gold. 

Let’s explore the world of Gold investment Plans together! With as little as ₹100, you can start your journey towards financial security. Even a small step can lead to a brighter future!

Think of it as a golden ticket for a brighter tomorrow!

Understanding why Gold Investment Plan is important for your Investments:

It is essential to grasp the role gold plays in an investment portfolio. Gold is often considered a safe-haven asset, serving as a hedge against inflation and economic uncertainties. Additionally, Gold is a great diversifier and adds a good store of value to the portfolio.

The Traditional Way of buying gold: 

Physical Gold is one of Indian Women’s favorite asset classes. But now, things are changing, and there are smart ways to invest in gold that are much easier, hassle-free, and a pure form of investment.

The traditional way of buying Gold includes purchasing jewelry, coins, bars or joining Gold Savings Schemes comes with certain risks and charges. These include risk of theft when you have physical gold at home, you might need to pay for secure storage elsewhere, for example bank lockers e.t.c. Additionally, there is 3% GST , making and design charges, storage and insurance charges that increases your overall cost and you get less gold on the money paid

That is why considering gold jewelry as an investment is a big NO and shifting to the smart ways of investing in gold is a wise move and will help you grow your wealth more effectively.

How can you start investing in Gold with just ₹100?

You can initiate your journey into Gold investments with just ₹100 by investing in Gold Mutual Funds.  Gold Mutual Funds are actively managed mutual funds which invest directly or indirectly invest in gold reserves. Investments are usually made on stocks of gold producing and distributing syndicates, physical gold, and on stocks of mining companies. It is a great way to hedge your portfolio against inflation.

Features of Gold Mutual Funds:

– 2 modes of investment: SIP & lump sum

– Returns: 8% – 10%, market linked

– Expert Management: Professionally managed by skilled fund managers.

– Liquidity: One can easily buy/sell fund units, providing liquidity.

– Diversification: Diversified portfolio reduces investment risk.

Benefits of Gold Mutual Funds:

– Hedge Against Inflation: Serves as a hedge against inflation and economic uncertainties.

– Professional Expertise: Experts manage investments for optimal returns.

– Affordable: Start with as low as ₹100.

– Convenience and Security: No need to store physical gold; it’s held securely.

– Regulated: It is  regulated by AMFI(Association of Mutual Funds in India).

How much gold should you have in your portfolio?

Ideally, one can allocate 5-10% of their portfolio towards Gold Investments. However, this can always be customized based on your goals, risk appetite, etc. This range allows you to optimize your portfolio, providing exposure to gold’s benefits. 

Let’s look at an example:

Archana is 30 years old and wants to invest ₹1000 every month, let’s see how she can diversify her money between 3 important asset classes like Equity, Debt and Gold.

By using the 100 – Age Asset Allocation thumb rule, (where 100 – Age = Percentage of Equity in your investments), 5-10% in Gold and the rest in Debt.

Equity investment = 100 – 30 = 70%. Therefore, 70%  of ₹1000 = ₹700 she could invest in equity.

Gold investment = She decides to invest 10% of  ₹1000 i.e ₹100 in Gold.

Debt investment = ₹1000 – (investment in Equity + Gold) i.e ₹1000 – ₹800(₹700 +₹100) = ₹200, is what she decides to invest in Debt.

This is how, with just ₹1000, Archana diversified her portfolio into Gold, Equity and Debt, and she could access all these Asset Classes through Mutual Funds, making Investing simple and accessible.

Checkout LXME’s ₹100 Gold, Equity and Debt Fund and start your investments with just ₹100!!

How can LXME help you kickstart your investments in Gold?

In LXME ₹100 Gold fund you can start investing with just ₹100 and it aims a targeted return of 8.3%* p.a. This plan is well-researched and curated by experts. 


Empower your finances with gold – it’s more accessible than ever! You can now kickstart your investment journey in Gold with just ₹100!

Gold is a long term asset class and suitable for goals more than 3 years. To create a good investment plan, one can consider putting 5-10% of your money into gold

Remember, investing is a journey that requires continuous learning. Keep yourself updated and make smart choices that align with your financial goals. By doing this you can have a strong, diverse investment plan that fits your dreams. 


1. Are Gold Mutual Funds regulated and secure?

Ans: Yes, Gold Mutual Funds are regulated by the Association of Mutual Funds in India (AMFI), providing investors with security and oversight. They offer a convenient and secure way to invest in gold without the need for physical storage.

2.  What are the key benefits of investing in Gold Mutual Funds?

Ans. Investing in Gold Mutual Funds offers several benefits, including a hedge against inflation, professional management for optimal returns, liquidity, affordability (starting with ₹100), convenience and security (no need for physical gold storage), and transparency through regular updates and disclosures.

3. What are the different modes of investment in Gold Mutual Funds?

Ans. Gold Mutual Funds offer two modes of investment: Systematic Investment Plan (SIP) and lump sum. SIP allows you to invest regular, smaller amounts over time, while lump sum involves a one-time investment. Both options provide flexibility to suit your investment preferences and financial situation.

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