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@mrdp SGB started out in 2015. The first tranche matured in 2023. The annualised return was around 11% barring the 2.5% annual interest. I'd say they are a safe bet as their underlaying asset i.e. Gold will appreciate. If you hold till maturity (8 years), you'll not have to pay capital gains tax...

@therealtrent How did you tackle the market during the Covid situation? Doesn't seem that it affected your returns. Did you switch to Debt funds or you rode the wave and invested even more?