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• Invest heavily in FD, Mutual Fund, Gold
• Which of these three options to invest in?
• Which of these options will give the highest returns?

FD VS Mutual Fund VS Gold : It is very important to not only save your hard earned money, but invest it in the right medium to grow it over time. Due to this very reason, everyone is looking for excellent investment options to increase their savings. In India, people now invest heavily in FDs, mutual funds and gold. But confusion often arises as to which of these three options to choose for investment. Another important question is: If a lump sum of Rs 5 lakh is invested for a period of five years divided between FD, gold and mutual funds, which option will give the highest returns”text-align: justify;”> Market Outlook : Depreciation of rupee, sale of shares by foreign investors… Will the market decline continue in the new week?

Before investing, it is important to understand that each investment option has its own uniqueness. It has some unique features and benefits of its own. Fixed deposits i.e. FDs are considered a safe investment; Because the rate of interest is fixed and the risk is very low. In contrast, mutual funds are market-linked instruments, which have the potential to generate superior returns over the long term. On the other hand, in times of economic uncertainty and rising inflation, gold is considered as a safe-haven asset. So in this way we get to see different benefits of each one. But who will give more return in this 5 lakh math?

Fixed Deposits means Fixed Deposits

If your main principle is Safety First then Bank Fixed Deposit i.e. FD is a great option for you. It is not affected by market fluctuations and you continue to get a fixed rate of interest at regular intervals. If you invest Rs 5 lakh in a fixed deposit at 6.5% annual interest for a period of 5 years, you will earn approximately Rs 1,90,210 as interest. At Maturity, your total amount will be Rs.6,90,210. This option is ideal for individuals who want to get guaranteed returns without taking any risk.

Mutual Funds

If you are willing to take risks and want to build large wealth for the long term, consider investing in mutual funds. Since these investments are linked to the stock market, they offer huge benefits of ‘compound’ growth over the long term. If you invest Rs 5 lakh in a high-quality mutual fund that gives an average annual return of 12%, your estimated earnings over a five-year period will be around Rs 3,81,170. In other words, the total value of your initial investment of Rs 5 lakh can grow to Rs 8,81,170. However, please note that returns are not guaranteed and market risk is always present.

gold

Gold acts as an impenetrable shield during times of economic crisis. Whenever the global economy faces recession, war or uncertainty, gold shines brighter. The performance history of the last few years bears testimony to this. Over the last five years, gold prices have increased from ₹50,000 to ₹1,50,000 per 10 grams. This means that an investment of ₹5 lakh in gold five years ago has now increased to ₹15 lakh.
But one thing that is important to note here is that there is no guarantee that similar huge returns will continue in the future. However, one thing is certain: Historically, gold has consistently given superior returns compared to FDs and the stock market. Precisely because of this reason, gold has now become the preferred choice of savvy investors.

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