Compare investment returns side-by-side. Put your monthly amount and see which option builds more wealth over time.
Investing ₹10,000/month for 10 years
Total invested: ₹12,00,000
🏆 Winner: 📈 Mutual Fund (SIP)
₹24,66,807
Profit: ₹12,66,807 (106% total return)
| Investment | Return Rate | Final Value | Profit | Tax |
|---|---|---|---|---|
| 📈 Mutual Fund (SIP)WINNER | 13%/yr | ₹24,66,807 | +₹12,66,807 | 12.5% LTCG |
| 🥇 Gold | 12%/yr | ₹23,23,391 | +₹11,23,391 | 12.5% LTCG |
| 🏛️ PPF | 7.1%/yr | ₹17,84,099 | +₹5,84,099 | Tax-free |
| 🏦 Fixed Deposit | 7%/yr | ₹17,40,945 | +₹5,40,945 | As per slab |
Gold is best as a 10-15% allocation— it protects during market crashes but doesn't compound like equity or PPF.
SIP has the highest volatility but best long-term potential. A ₹10,000 SIP for 10 years in Nifty 50 has never lost money over any 10-year period.
PPF is tax-free under EEE — exempt on deposit (80C), exempt on interest, exempt on maturity. Best guaranteed option.
FD interest is fully taxable as per your income slab. After 30% tax, 7% FD effectively gives ~4.9% — below inflation.
60%
SIP
₹6,000/mo
15%
PPF
₹1,500/mo
15%
Gold
₹1,500/mo
10%
FD
₹1,000/mo
This is a general guideline for a 25-35 year old. Adjust based on your risk tolerance and goals.