How to include jewellery, SGB, and digital gold in net worth, what value to use, and how GoalPehle tracks gold as its own category.
Yes — with a clear valuation rule
Gold you own is an asset. Jewellery is often harder to sell at melt/resale value, so use a conservative estimate. SGB and digital gold are easier to mark to published prices.
Practical valuation tips
Stay consistent month to month:
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Jewellery: melt or realistic resale, not making charges
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SGB: current units × published price
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Digital gold: app/wallet balance
Concentration risk
A large jewellery share can inflate net worth while staying illiquid. GoalPehle’s gold category helps you see that concentration next to liquid and invested wealth.
Frequently asked questions
Should jewellery be in net worth?
Yes, if you would count it as wealth you own. Use a conservative resale/melt estimate and update occasionally.
Is gold part of my FIRE corpus?
It can support net worth, but illiquid jewellery is a weak emergency or retirement cash source. Separate “owned wealth” from “spendable corpus” in your plan.
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FIRE calculator & financial freedom in India
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Educational content only — not SEBI-registered investment advice.