Choosing the right investment instrument is confusing: gold feels safe, stocks feel risky, bonds feel boring, and index funds are hyped. Our Money Instruments Comparison Calculator simplifies this by letting you compare returns, risk, and liquidity across different options.
Whether you’re saving for 5 years or 20 years, the tool shows how ₹1L grows differently in gold, stocks, index funds, or bonds — so you can make smarter choices.
Why Compare Money Instruments?
Investors are spoiled for choice, but every option comes with trade-offs. Gold is safe but slow. Stocks are risky but high-growth. Bonds are stable but low-return. Index funds offer a balance. The calculator puts these side by side.
How Does the Calculator Work?
Inputs:
- Investment amount (₹)
- Time horizon (years)
- Instruments to compare (Gold, Stocks, Bonds, Index Funds)
- Expected return rates (default pre-filled, editable)
Outputs:
- Future Value of each instrument
- Comparison chart (line graph)
- Table with returns, risk level, and liquidity tag
When Should You Use It?
- Before deciding where to park your savings.
- To compare long-term returns (10–20 years).
- To build a diversified portfolio.
Example
If you invest ₹1L for 10 years:
- Gold (7% CAGR) → ₹1.97L
- Bonds (6% CAGR) → ₹1.79L
- Index Funds (12% CAGR) → ₹3.1L
- Stocks (15% CAGR) → ₹4.05L
👉 The calculator makes such comparisons visual and easy.
