Comparison of Asset Classes: Equities, Gold, Silver & FD

When it comes to investing, the first question that comes to mind is – “Invest in what?” Every
the investor has his or her own appetite for risk and any rash and the untimely decision can prove to be costly. This is because you need to choose from several asset classes having varying degrees of volatility and risk-return potential. Therefore, one has to weigh the pros and cons before zeroing in on an asset class to invest in. 
A conventional investment portfolio of an Indian investor contains gold, real estate, fixed income products and very little equity or equity-linked products. 
Here is the comparison ( Numbers Don’t Lie )

Assume you’ve invested Rs.20,000 each in FD, gold, silver and Sensex 31 years ago ( Since 1987 )
As of 31’ st March 2018, the value is as follows:

 FD- Rs.2.64 lakhs ( 8.68% Annualised Returns )
 Gold- Rs.2.62 lakhs, ( 8.66% Annualised Returns )
 Silver- Rs.1.81 lakhs ( 7.38% Annualised Returns )
 Sensex- Rs.13.06 Lakhs ( 14.48% Annualised Returns )

To put it another way, during the last 31 years:
Fixed Deposits has multiplied wealth by 13 times
Gold by 13 times
Silver by 9 times
Sensex by 65 times

This post does not encourage to put all your money into equities, nevertheless, diversification is the
key for Wealth Creation.
Have you diversified enough to get optimum returns from all asset classes? That is the question you
need to ask yourself.

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