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Sovereign Gold Bonds vs LAMF: The Retirement Liquidity Balancing Act
Experts weigh SGBs against LAMF for retirees seeking income stability and liquidity efficiency.
Financial advisors compared Sovereign Gold Bonds (SGBs) and Loans Against Mutual Funds (LAMF) as retirement planning tools. SGBs offer 2.5% interest and tax-free maturity benefits, ideal for stable income.
In contrast, LAMF allows quick liquidity without redemption, maintaining compounding returns. For retirees facing unforeseen expenses, LAMF offers lower tax implications and faster disbursals.
Planners recommend a 70-30 allocation mix between SGBs and mutual funds for tax-efficient, steady, and flexible retirement income streams.