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.

Investment Psychology Insights

🎯 What Your Choices Say About You:

• 🚀 Risk Taker: You believe in the power of markets
• 🛡️ Hedge Lover: You want some safety in uncertainty
• 🧠 Smart Diversifier: You understand balanced growth
• 😌 Peace Seeker: You value sleep over stress
• 🔒 Safety First: Guarantees matter more than gains

💡 Pro Tips for Your Mix:

• Age Factor: Young = more stocks, Older = more bonds
• Emergency Fund: Keep 6 months expenses in FDs/bonds
• Rebalancing: Review and adjust yearly
• Rupee Cost Averaging: Invest regularly, not all at once
• Tax Optimization: Use ELSS for tax saving