Dhanteras 2025: Here's your 10-year guide to building a 10-tola gold corpus

For many, Dhanteras  is the time to buy gold, as it not just an investment but a symbol of prosperity and stability.

In most Indian households, gold finds its place in every milestone- a bracelet for success, bangles that tell stories of generations, and coins kept aside as a quiet promise of security.

Over time, gold has come to represent more than tradition , as it stands for financial preparedness and emotional reassurance.

You don’t have to wait for a special occasion to buy it. Setting aside a small amount each year or every Dhanteras can help families and individuals steadily build a meaningful reserve, one that balances sentiment with smart planning.

Gold has shone especially bright this year. It has already hit new highs 39 times, reaffirming its place as an asset that never seems to lose shine.

On October 17, 10 grams of gold was priced Rs 1,27,471, according to the Indian Bullion and Jewellers Association (IBJA).

Turning emotion into a goal

One tola is 11.66 grams, so if the target to accumulate 116.6 grams of gold over 10 years. The simplest approach is to buy 11.66 grams each Dhanteras.

For those who prefer smaller, steady steps, this goal can be spread monthly of about 1 gram a month. Small but consistent contributions turn the daunting dream of 11.66 grams or 10 tolas or into a systematic approach.

Buying small amounts regularly also helps average out price fluctuations and cushions you from sudden spikes.

Consider this: since the last Dhanteras in 2024 gold prices have risen by 55 percent, prior to this gold prices gave 30 percent return in 2023-24 and 20 percent return in 2022-23. In 2020-21 it gave the negative return of 5 percent.

Another calculation by Chirag Mehta, CIO, Quantum AMC, shows that if an investor had purchased Rs 1 lakh worth of gold every Dhanteras since 2005, they would have invested a total of Rs 20 lakh over two decades. Today, that same disciplined approach would have created a corpus worth over Rs 1.08 crore, or roughly 950 grams of gold, which started as just 145 grams in the first year.

The best way is to set a yearly milestone. Make the purchase monthly in physical or digital form. The best way is to buy Gold ETF as they are one of the cheapest way to buy gold. And then keep reviewing your gold goals annually as it keeps motivation alive.

Also Read: Gold investment schemes bring gold jewellery within reach but read terms carefully

Accumulating gold is more than financial planning. It’s an emotional journey. Each small coin represents love, the joy of milestones and family securing the future.