Gold vs FD Calculator

Gold vs Fixed Deposit — what's the meaningful comparison?

An FD is a contract: known interest rate, known maturity value, sovereign-or-bank-backed safety. Gold is a market price: the return depends entirely on the price you sell at, and there's no income stream while you hold (unless you hold via an SGB, which pays 2.50% p.a.). They are not directly comparable on the same axis.

For most Indian investors, the right framing is not "gold or FD" but "what allocation". A typical balanced approach: keep emergency fund and short-term goals in FD or liquid funds, hold long-term equity in mutual funds or direct stocks, and use 5–10% gold (preferably as SGB or gold ETF) as a portfolio hedge. This calculator just lets you stress-test the historical returns of the two for any window you care about.

Not investment advice. Past returns do not predict future returns.