positive
Recently
SGBs versus LAMF emerge as competing tools for retirement liquidity management
Retirees weigh SGB interest returns against LAMF liquidity for tax-efficient financial planning.
Financial planners highlighted a growing trend of retirees comparing Sovereign Gold Bonds (SGBs) with Loans Against Mutual Funds (LAMF) for generating flexible cash flows.
SGBs offer 2.5% annual interest and capital gains exemption at maturity, while LAMF enables low-cost borrowing without asset sale.
Analysts project a 28% YoY rise in SGB investments as retirees seek stable, tax-efficient instruments, though LAMF remains popular for short-term liquidity access without disturbing long-term portfolios.