Buying physical gold or silver? CA warns it’s getting costlier, more complicated

Gold and silver have always held a deep emotional and financial significance in Indian households. From jewellery and heirlooms to coins and bars, these metals symbolize safety, stability, and wealth preservation. But Chartered Accountant Nitin Kaushik (FCA, LLB) cautions investors to look beyond the glitter.

“Gold feels safe because you can touch it,” he says. “But for most people, physical gold isn’t an investment — it’s an emotional purchase. And emotionally driven investments often come with hidden costs that quietly erode your returns.” Advertisement

Kaushik, who advises clients on wealth preservation and taxation, highlights three major challenges that physical gold and silver investors often overlook — along with smarter digital alternatives that can help strike a balance between