Best Gold SIP Plans for May 2025 3yr CAGR Basis - Invesco, LIC, Quantum & More

A Gold SIP (Systematic Investment Plan) allows investors to invest a fixed amount regularly in gold-related instruments, such as gold mutual funds or ETFs. Unlike buying physical gold, Gold SIPs offer a digital and convenient way to accumulate gold over time without the need for storage or purity concerns. In this article, find the best gold SIPs for May 2025 based on 3yr CAGR.

Best Gold SIP Plans For May 2025

Note: The list of the best Gold SIPs given here are as of May 20, 2025. The funds are sorted based on its 3-yr CAGR.

Overview of the Best Gold SIPs for May 2025

1. Invesco India Gold ETF FoF

Invesco India Gold ETF FoF is offered by Invesco Mutual Fund. As of May 19, 2025, the fund has a Net Asset Value (NAV) of ₹26.78. Investors can start a SIP with a minimum investment of ₹500. This fund was launched on December 5, 2011, and it primarily invests in Invesco India Gold ETF to offer returns linked to the performance of gold.

Key metrics:

• Expense Ratio: 0.10%
• 1yr Absolute Returns: 26.07%

2. LIC MF Gold ETF FoF

LIC MF Gold ETF FoF is offered by LIC Mutual Fund. Its NAV stands at ₹25.89 as of May 19, 2025. The minimum SIP investment is ₹200. Launched on August 14, 2012, the fund invests in LIC Gold ETF to provide returns that reflect gold price movements. The benchmark index for this fund is also the Domestic Price of Gold.

Key metrics:

• Expense Ratio: 0.20%
• 1yr Absolute Returns: 26.21%

3. Aditya Birla SL Gold Fund

Aditya Birla Sun Life Gold Fund is run by Aditya Birla Sun Life Mutual Fund. As of May 19, 2025, its NAV is ₹27.52, and investors can begin a SIP with just ₹100. The fund was launched on May 13, 2011, and it invests in the Aditya Birla SL Gold ETF to track gold performance. Its benchmark is the Domestic Price of Gold.

Key metrics:

• Expense Ratio: 0.20%
• 1yr Absolute Returns: 26.72%

4. ICICI Pru Regular Gold Savings Fund

ICICI Prudential Regular Gold Savings Fund (FoF) is a product of ICICI Prudential Mutual Fund. On May 19, 2025, the NAV was ₹29.32. The fund allows SIP investments starting from ₹100. It was launched on October 11, 2011, and invests in ICICI Prudential Gold ETF. The benchmark index is the Domestic Price of Gold.

Key metrics:

• Expense Ratio: 0.09%
• 1yr Absolute Returns: 26.62%

5. Quantum Gold Saving Fund

Quantum Gold Savings Fund is managed by Quantum Mutual Fund and was launched on May 19, 2011. The fund is an open-ended fund of fund scheme that primarily invests in units of the Quantum Gold Fund (ETF), allowing investors to gain exposure to gold without holding it physically. As of May 19, 2025, the fund’s NAV stands at ₹36.19. Investors can start a SIP with a minimum amount of ₹500

Key metrics:

• Expense Ratio: 0.03%
• 1yr Absolute Returns: 26.57%

Benefits of Gold SIPs

• Rupee Cost Averaging: Gold SIPs let you invest a fixed amount regularly, which helps average out the purchase cost over time. You buy more when prices are low and less when prices are high, reducing the impact of market volatility.
• Disciplined Investing: SIPs promote a habit of consistent saving and investing. This is especially useful for long-term financial planning without the need for timing the market.
• Hedge Against Inflation: Gold has historically served as a hedge against inflation. SIPs in gold funds help protect purchasing power over the long run, especially during economic uncertainty.
• Portfolio Diversification: Including gold in your investment portfolio through SIPs can reduce overall risk, as gold often performs well when equity markets are under stress.
• No Worries About Storage or Purity: Since investments are made in gold ETFs or gold fund of funds, there's no concern about purity, security, or storage costs associated with physical gold.

Also Read: Best Gold ETFs in India for May 2025: SBI Gold ETF, HDFC Gold ETF, and More Based on 5Y CAGR!

Conclusion

While Gold SIPs can offer convenience, investors must carefully assess their financial goals and risk appetite before investing. Aligning investments with personal objectives ensures better long-term outcomes.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.