Which is the Best Investment for a Woman? Gold or Diamonds?

For generations, women have been drawn to gold and diamonds, not just as jewellery but gold is considered a symbol of prosperity, security, & wealth and diamonds symbolize uniqueness & rarity. Whether it’s an anniversary celebration, a wedding gift, or a personal milestone, these precious assets hold a special place in our hearts. But when it comes to investing, it’s important to think beyond aesthetics. What will give you better returns? which is a good investment gold or diamond? How should one invest in gold? etc.

Let’s dive in and see which truly shines brighter for women’s investment gold or diamonds.

Gold vs Diamond Investment

Gold:

1. Easy Liquidity: Gold is universally accepted and can be easily sold or pawned in emergencies. Whether it’s a gold coin, bar, jewellery, or gold mutual fund. 
2. Consistent Value Growth: Historically, gold prices have shown steady growth, especially during economic downturns. It’s seen as a safe haven for investors during market volatility.
3. Invest in gold electronically: You can not only buy gold physically but also invest in electronic gold through multiple ways like Gold Mutual Funds, Gold ETFs, and Sovereign Gold Bonds. 
4. You Can Invest with Just ₹100: If you invest through gold mutual funds, then you can start investing with just ₹100.
5. Diversification: One should diversify at least 5%-10% of their investment portfolio against gold. Gold helps you hedge your investments against inflation.
6. Cultural Connection: For many women, gold holds traditional & sentimental value. Historically, in India gold is considered as an asset class that brings in prosperity.
7. Loans: Banks give loans against your gold jewelry.

Diamonds:

1. Aesthetic and Status Value: Diamonds are a symbol of love, commitment, and a symbol of status for many people. 
2. Rarity and Uniqueness: Each diamond is unique, and high-quality diamonds retain their value due to their rarity.
3. Market Limitations: Unlike gold, diamonds don’t have a standardized pricing mechanism, which can make buying and selling less straightforward.
4. Affordability: In the case of diamonds you need to have a good chunk of money where you can buy at least 0.20 carat of diamond, unlike gold where you can start investing with just ₹100
5. Loans: Banks don’t give loans against diamonds.

However, Gold & Diamonds have distinct features. Gold has a long history of being a safe-haven investment providing stability during market volatility. In contrast, diamonds have a very niche market with prices influenced by rarity & demand.

So, for women, investments often need to balance emotional satisfaction with financial security. Gold ticks both boxes with investment perspective and cultural significance. Diamonds, while beautiful, are less liquid and harder to value uniformly. If you’re looking to secure your future, gold offers a more reliable safety net. 

If you want to invest in these asset classes for creating value then you should consider investing in gold.

You can check out Lxme’s Rs.100 Gold Fund which is well-researched and curated by experts.

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• 10 Inspiring Stories of Women in Finance
• Financial Planning for Women Entrepreneurs
• Key Differences between CTC vs In-Hand Salary