Same rupee, sixteen treatments
Equal monthly contribution, current coupons and tax law. SSY assumes a girl under 10. NPS is shown even though it will not pay a college bill.
| Product | CAGR used | Put in | Nominal | Tax | After tax |
|---|---|---|---|---|---|
Sovereign Gold Bond | 11.5% | ₹32,36,998 | ₹62,02,765 | ₹0 | ₹62,02,765 |
Equity mutual fund | 12.0% | ₹29,67,248 | ₹58,62,550 | ₹3,60,139 | ₹55,02,410 |
Nifty / Sensex index fund | 11.5% | ₹29,67,248 | ₹56,87,682 | ₹3,37,406 | ₹53,50,276 |
Aggressive hybrid fund | 10.5% | ₹29,67,248 | ₹53,55,821 | ₹2,94,264 | ₹50,61,557 |
Gold ETF / fund | 9.0% | ₹29,67,248 | ₹48,99,631 | ₹2,51,210 | ₹46,48,421 |
Child ULIP / insurance plan | 8.0% | ₹29,67,248 | ₹46,21,002 | ₹0 | ₹46,21,002 |
National Savings Certificate | 7.7% | ₹32,36,998 | ₹44,21,707 | ₹0 | ₹44,21,707 |
Debt mutual fund | 7.0% | ₹29,67,248 | ₹43,61,116 | ₹1,81,203 | ₹41,79,913 |
ELSS (tax-saving equity) | 12.0% | ₹18,99,700 | ₹42,75,151 | ₹2,92,559 | ₹39,82,592 |
Bank / corporate FD | 6.8% | ₹30,16,294 | ₹38,99,973 | ₹0 | ₹38,99,973 |
Public Provident Fundlocked | 7.1% | ₹19,27,200 | ₹32,01,803 | ₹0 | ₹32,01,803 |
Sukanya Samriddhi Yojanalocked | 8.2% | ₹14,77,200 | ₹29,44,213 | ₹0 | ₹29,44,213 |