Twinkle Jain Explains: Should You Invest in Gold as Prices Cross Rupees 1 Lakh?

Gold just touched an all-time high—₹1 lakh per 10 grams—and the buzz is real. But while some are rushing to buy, others, like Twinkle Jain's mom, are holding off. “Let's wait,” she says, “it's too expensive right now.” So what's the right move? Should you invest now, wait it out, or skip it altogether? Twinkle Jain, a trusted finance influencer and Chartered Accountant, shares the smart and practical way to approach gold investment today.

Why Is Gold So Expensive Right Now?

The spike in gold prices is driven by a mix of global uncertainty, inflation concerns, and rising demand. Historically, when markets wobble, gold acts as a safe-haven asset, causing its value to surge. This trend isn't random—it reflects how investors shield wealth during volatility.

Jewellery Buyers: You May Want to Wait

If you're buying gold as jewellery, Twinkle advises holding off for now. That's because making charges, GST, and retail margins inflate the cost further—making it more of a liability than an asset in the short term.

Long-Term Investors: This Could Be Your Signal

If you're looking to diversify your portfolio, this price point doesn't mean it's too late. Instead of going big, start small and stay consistent. SIPs in Gold ETFs, Digital Gold, or Sovereign Gold Bonds (SGBs) are smart ways to invest without timing the market.

How to Invest Smartly in Gold

• Avoid bulk buying in one go
• Use staggered investments (SIPs or tranches)
• Focus on purity and liquidity if buying physical gold
• Prefer financial gold for better returns and lower cost overheads

Gold may shine bright, but how you invest in it determines the real glow of your returns.

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As Twinkle Jain puts it, “Gold is glowing—but smart investing glows brighter.” If you're buying for long-term goals, don't let price spikes distract you. Start small, stay smart, and let the compounding value of discipline lead the way.