Hộ gia đình xây dựng tài sản với kế hoạch dài hạn kỷ luật.
Gold vs Equity vs FD Calculator
Compare gold, Nifty 50 equity, and fixed deposits side by side. See post-tax returns, real returns after inflation, and why FDs may lose you money in high tax brackets. Based on historical Indian data.
Cách chúng tôi tính toán - phương pháp, công thức & nguồnEquity wins after tax
₹85,81,131
Nifty 50 delivers highest post-tax value at 11.35% effective CAGR
Lump sum of ₹10,00,000 invested for 20 years. FD interest taxed at 30% slab rate. Gold & equity LTCG at 12.5%.
Vàng
Post-tax
₹71.8L
Gross
₹80.6L
Multiplier
8.1×
Cổ phiếu (Nifty 50) (Best)
Post-tax
₹85.8L
Gross
₹96.5L
Multiplier
9.6×
Tiền gửi cố định
Post-tax
₹30.1L
Gross
₹38.7L
Multiplier
3.9×
Gold (Physical / ETF)
Equity (Nifty 50 Index Fund)
Tiền gửi cố định (FD)
Growth Comparison (Pre-Tax)
Bẫy thuế
Gold: 8.1× your money in 20 years. LTCG at flat 12.5% (no exemption). Consider Sovereign Gold Bonds (SGBs) for tax-free maturity + 2.5% annual interest.
Equity (Nifty 50): 9.6× your money. Most tax-efficient - LTCG at 12.5% with ₹1.25L annual exemption. Market-linked risk but historically best long-term returns.
FD: 3.9× your money. But interest is taxed at your slab rate (30%). After tax and 6% inflation, you're actually losing 0.32% per year in real terms.
Note: Gold and equity returns are historical averages (20yr CAGR) and not guaranteed. FD rate is current SBI rate. Gold LTCG assumes holding >24 months (physical/digital) or >12 months (ETF). Equity LTCG assumes holding >12 months. Tax rates per Finance Act 2024 (effective 23 July 2024). This is a simplified comparison - actual returns depend on entry timing, market conditions, and individual tax situation.