Asset Class Comparison Calculator
Compare real wealth compounding across 8 major Indian asset classes: Equity SIP, Sovereign Gold Bonds, Physical Gold, Silver, Copper, Real Estate, and Fixed Deposits. Verified against Budget 2024 tax rules and 6% CPI inflation.
Multi-Asset Simulation Parameters
Net Post-Tax Wealth Comparison (15 Years)
Reflects Budget 2024 capital gains tax, sovereign exemptions, physical commodity friction, and slab rates.
Commodities like Gold, Silver, and Copper produce zero cash flows, have zero earnings per share, and pay no dividends. Their price relies entirely on monetary inflation and industrial supply deficits. In stark contrast, an Equity SIP purchases ownership in India's most profitable corporations that reinvest earnings and grow corporate profits at 12%+ per year.
Sovereign Gold Bond (SGB)
precious metalEquity Mutual Fund (Nifty 50 Index)
equitySilver (ETF / Bullion)
precious metalResidential Real Estate (India)
real estatePublic Provident Fund (PPF)
fixed incomeCopper & Industrial Metals
industrial commodityPhysical Gold (24K Bullion)
precious metalBank Fixed Deposit (7.0% p.a.)
fixed incomeMulti-Asset Financial Forensic Scorecard
| Asset Class | Historical CAGR | Post-Tax Corpus | Real Value (6% Inf) | Volatility Risk | Liquidity | Budget 2024 Taxation |
|---|---|---|---|---|---|---|
| Equity Mutual Fund (Nifty 50 Index) | 12.5% | ₹45,87,099 | ₹19,14,036 | High | Instant (T+1/T+2) | 12.5% LTCG above ₹1.25 Lakh exemption per year |
| Sovereign Gold Bond (SGB) | 11.7% | ₹46,38,969 | ₹19,35,680 | Moderate | Moderate (Days) | 100% Tax Free capital gains on maturity (Sec 47) |
| Physical Gold (24K Bullion) | 9.2% | ₹31,16,455 | ₹13,00,388 | Moderate | Moderate (Days) | 12.5% LTCG after 24 months holding |
| Silver (ETF / Bullion) | 8.8% | ₹34,02,666 | ₹14,19,814 | High | Instant (T+1/T+2) | 12.5% LTCG after 24 months holding |
| Copper & Industrial Metals | 7.8% | ₹31,49,216 | ₹13,14,058 | Extreme | Instant (T+1/T+2) | 12.5% LTCG after 24 months holding |
| Residential Real Estate (India) | 8.5% | ₹33,24,173 | ₹13,87,061 | Low | Low (Months/Years) | 12.5% LTCG (Budget 2024). Net rental yield taxed at slab rate. |
| Bank Fixed Deposit (7.0% p.a.) | 7% | ₹27,30,047 | ₹11,39,153 | Low | Instant (T+1/T+2) | Taxed at marginal income slab rate (up to 30% + cess) |
| Public Provident Fund (PPF) | 7.1% | ₹31,54,455 | ₹13,16,244 | Low | Low (Months/Years) | 100% Tax Free Exempt-Exempt-Exempt (EEE) |
Frequently Asked Questions: Multi-Asset Compounding & Risk
Common questions regarding SIP calculations, compounding formulas, and mutual fund conventions.
Historically over rolling 15+ year periods, Equity Mutual Funds (Nifty 50 TRI) have delivered 12.5% to 13.5% CAGR, significantly beating Gold (9.2%), Real Estate (8.5%), and Bank FDs (7.0%). Equities compound productive corporate profits, while commodities merely act as non-yielding stores of value.
Sovereign Gold Bonds provide a guaranteed 2.5% p.a. sovereign interest on top of gold price appreciation, carry zero making charges (saving 12-15%), zero GST (saving 3%), and are 100% exempt from capital gains tax upon maturity.
Silver is significantly more volatile than gold because over 55% of global silver demand is industrial (solar panels, EVs, electronics). During recessions, industrial demand drops and silver can suffer 50%+ drawdowns, making it a high-beta cyclical commodity rather than a pure monetary hedge.
A 7.0% Bank Fixed Deposit in the 30% income tax slab yields only 4.90% net post-tax. With average Indian CPI inflation running between 5.5% and 6.5%, bank deposits guarantee negative real returns of -1.1% to -1.6% per year, silently eroding purchasing power.