Investment Comparator
Compare 15+ investment options side by side on 25+ parameters to maximize returns
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How to Choose the Right Investment
Match Your Goals
Short-term goals (1-3 years) → FD, Debt Funds. Medium-term (3-7 years) → Balanced MF, Gold. Long-term (7+ years) → Equity MF, PPF, NPS. Align lock-in periods with your liquidity needs.
Consider Post-Tax Returns
Don't just compare headline returns. A PPF at 7.1% (tax-free) can beat an FD at 7.5% (taxed at 30%). EEE instruments like PPF & EPF are extremely efficient for high-slab taxpayers.
Diversify Wisely
Don't put all eggs in one basket. Combine safe (PPF, FD) + growth (Equity MF, Stocks) + inflation hedge (Gold, Real Estate). Rebalance yearly to maintain your target allocation.
Understand Risk vs Return
Higher returns always mean higher risk. Government-backed (PPF, SSY) = lowest risk. Corporate bonds = moderate. Equity/stocks = highest. Your risk appetite should match your investment horizon.
Maximize Tax Benefits
Use Section 80C limit fully (₹1.5L) via ELSS, PPF, EPF. Add NPS for extra ₹50K under 80CCD(1B). Health insurance premiums under 80D. Tax planning is the guaranteed return on your money.
Beat Inflation
At 6% inflation, ₹1 lakh today is worth only ₹55,839 in 10 years. Your investments must earn above inflation to grow real wealth. Equity and Gold historically beat inflation; FDs often don't after tax.
Know the Rules
Related Laws & Guides
Understand the regulatory framework for gold & precious metal investments