Gold MLDs – A Smart Alternative to SGBs | WealthCare Vest

 Introduction

With Sovereign Gold Bonds (SGBs) no longer available, where should gold investors turn? At WealthCare Vest by Raghav, we present an innovative gold investment opportunity – Gold Market Linked Debentures (MLDs), specifically the Gold Twin Win strategy.

This product offers the safety of fixed returns with the potential of gold market upside, making it a powerful substitute for traditional SGBs.

What Is Gold Twin Win?

Gold Twin Win is a Market Linked Debenture (MLD) tied to the MCX Gold Index, offering:

  • Guaranteed compounded return of 5% p.a., which amounts to 18.63% over 3 years

  • 100% principal protection

  • Additional upside if gold performs better than the guaranteed return

This means you will get Principal + 18.63% (compounded) even if the gold index drops. But if MCX Gold performs better — say 30%, 50%, or 100% — then you earn that higher gold return instead!


Minimum Investment & Lock-In Period

  • Minimum Investment: ₹5,00,000

  • Lock-In Period: 3 years

It’s a premium-grade product crafted for investors who want gold exposure with both safety and performance.

Gold Twin Win in Action – Example

MCX Gold ReturnGold Twin Win ReturnIRR (3 Years)
-50%18.63% (Guaranteed)5.0%
0%18.63% (Guaranteed)5.0%
5%18.63% (Guaranteed)5.0%
30%30% (Gold Return)9.13%
50%50% (Gold Return)14.47%
100%100% (Gold Return)21.85%

In short:

  • If gold performs below 18.63% – you still earn 18.63%

  • If gold performs above 18.63% – you get the full gold upside

Why Choose Gold MLDs Over SGBs?

  • SGBs are discontinued – this is a smart replacement

  • Guaranteed 18.63% (5% compounded yearly over 3 years)

  • No downside risk – principal is fully protected

  • Full upside potential – if gold rallies, so do your returns

  • Backed by Edelweiss, distributed via Nuvama Wealth

Who Should Consider This?

  • Investors looking for a safe gold-linked return

  • Former SGB investors

  • HNIs seeking capital protection + growth

  • Investors wanting non-equity linked alternatives

About WealthCare Vest by Ragoel

“Caring for your wealth, strengthening your investment.”

At WealthCare Vest, we offer smart and stable investment options to help you build lasting financial security. We combine industry expertise with tailored advice to help you grow your money safely.

Disclaimer:

This blog is for educational purposes only and does not constitute investment advice. MLDs are subject to issuer terms and market risk. The 18.63% return is based on 5% p.a. compounding for 3 years and is guaranteed by the product structure. Gold-linked returns are subject to MCX Gold Index performance. WealthCare Vest is not the issuer of any MLDs.

Ready to Invest?

Take advantage of this unique opportunity and secure your gold-linked returns today!

Reach us at: https://linktr.ee/wealthcarevest

Comments

Post a Comment

Popular posts from this blog

How Much of Your Salary Should You Save and Invest?

Image
Recently, someone asked this question in a public forum, and I thought of sharing a simple and practical answer for everyone’s benefit.   One of the most common questions people ask is: "How much percentage of my salary should I save and invest?" The truth is, there’s no fixed percentage for everyone—it completely depends on your monthly expenses and lifestyle . To get a clear picture, I recommend you start by creating a personal cash flow statement . A cash flow statement helps you track: Your monthly income Fixed and variable expenses Actual savings left at the end of the month Once you know your exact monthly savings , it becomes easy to calculate your saving percentage of income. From there, you can decide how much you want to allocate towards investments like mutual funds, SIPs, or insurance plans. If you need a cash flow Excel sheet , I’d be happy to create and share one with you. It’s a great first step toward gaining control over your finances. https...
Read more

Can I Reach ₹1 Crore in 8-9 Years by Investing ₹30-35K Monthly? Let’s Find Out!

Image
This question was asked in a public forum, and I’m sharing the best possible answer for everyone’s benefit . By WealthCare Vest by Raghav Goel If you're earning ₹1 lakh a month and investing ₹30K to ₹35K in SIPs, you're already on the right path. But the big question is — can you really hit ₹1 crore in the next 8 or 9 years? Let’s break it down in the simplest way possible. --- Current Situation: Salary: ₹1,00,000 in-hand per month Current SIP: ₹30K–₹35K/month Existing Portfolio: ₹17.7 lakhs Investment Goal: ₹1 Cr / ₹2 Cr / ₹5 Cr Expected Returns: 12% annually (moderate and realistic) Market Movement Today: +0.83% (just an example of daily fluctuation) --- Goal 1: ₹1 Crore With ₹30,000 SIP/month : In 8 years – you may reach ₹88.4 lakhs In 9 years – you can cross ₹1.02 crore With ₹35,000 SIP/month : In 8 years – you may reach ₹96 lakhs In 9 years – you can reach ₹1.11 crore Conclusion: You can reach ₹1 crore in 9 years, especially if you invest ₹35K monthly. Increasing...
Read more

How a Cup of Tea Can Help You Become a Crorepati!

Image
We all enjoy a warm cup of tea every day, don’t we? But what if we told you that one extra cup of tea can help you build a wealthy future? At WealthCare Vest by Ragoel, we believe in the power of small, consistent steps to create lasting wealth. Here's a simple and powerful concept to understand how just Rs 30 a day —the cost of a cup of tea—can change your financial life. The SIP Tea Formula: Cost of one tea: ₹30 Second tea (SIP contribution): ₹30 per day Monthly SIP Investment: ₹900 Investment Duration: 40 years Expected Value at 12% CAGR: ₹1,06,94,200 Yes, over ₹1 crore ! All you need to do is sip your favorite chai, and invest an equivalent amount in a Systematic Investment Plan (SIP) every day . Let time and the power of compounding do the rest. Why this works: Consistency : SIPs encourage disciplined investing. Compounding : The longer you stay invested, the more your money grows. Affordability : SIPs can start as low as ₹30/day—affordable for anyone. By making a ...
Read more