Fixed Deposit Details
Select Risk Profile
Balanced approach with moderate growth potential
Fixed Deposit Details
FD Maturity
• Assumes annual compounding
• FD returns shown before tax
Alternative Portfolio
Historical, not guaranteed
Historical, not guaranteed
Historical, not guaranteed
Historical, not guaranteed
Historical, not guaranteed
Start with core asset classes: Equity MF, Debt MF, Hybrid MF
Outcome Comparison
Multi-Asset Portfolio
Multi-Asset Advantage
Investment Comparison Analysis
Returns Comparison
Portfolio Risk Distribution
Important: Multi-asset portfolios involve market risk. Outcomes vary based on allocation and market conditions. This comparison is for understanding and discussion purposes only.
⚠️Why FD May Fall Short Long-Term
Inflation Erosion
FD returns may not keep pace with inflation, reducing your purchasing power over time.
Fixed Returns
Locked-in rates prevent you from benefiting from higher returns in growing markets.
Limited Tax Efficiency
FD interest is taxed as income, while equity gains enjoy favorable capital gains treatment.
About FD vs Multi-Asset Comparison Calculator
Side-by-Side Comparison
Compare Fixed Deposit returns with diversified multi-asset portfolios to make informed investment decisions
Risk-Based Allocation
Choose from Conservative, Moderate, or Aggressive risk profiles with pre-configured asset allocations
Visual Analysis
Interactive charts showing returns comparison and portfolio risk distribution for better understanding
Professional Proposals
Generate detailed investment proposals with compliance information and client acknowledgments
💡Looking for Guaranteed + Tax-Saving Options?
For guaranteed returns with tax benefits like PPF (Public Provident Fund) or EPF (Employee Provident Fund), these require separate comparison due to their unique lock-in periods and tax advantages.
Contact us for a detailed FD vs PPF vs Multi-Asset educational comparison.
Why Compare FD with Multi-Asset Portfolios?
Fixed Deposits offer guaranteed returns but may not beat inflation over the long term. Multi-asset portfolios, while carrying market risk, have the potential to generate higher returns through diversification across equity, debt, bonds, and alternative investments. This calculator helps you understand the trade-offs between safety and growth potential.
Key Benefits of Multi-Asset Approach:
- Diversification reduces overall portfolio risk
- Potential for inflation-beating returns
- Professional asset allocation based on risk profile
- Flexibility to adjust allocation as goals change
- Tax efficiency through different asset classes
Understanding Multi-Asset Portfolios
A multi-asset portfolio spreads investments across different asset classes like equity, debt, bonds, gold, and REITs. This diversification helps balance risk and return potential while reducing the impact of poor performance in any single asset class.
Asset Classes Explained:
Equity Mutual Funds
High growth potential through stock market investments. Suitable for long-term wealth creation with higher risk tolerance.
Debt & Bonds
Stable income generation with lower risk. Government and corporate bonds provide predictable returns.
Gold ETF
Hedge against inflation and currency devaluation. Acts as a safe haven during market volatility.
REITs
Real Estate Investment Trusts provide exposure to real estate markets with regular dividend income.
Example: A moderate portfolio with 40% equity, 35% debt, 15% bonds, and 10% gold can potentially deliver 9-11% annual returns while maintaining reasonable risk levels compared to 6.5% from FDs.
Risk vs Return Analysis
While Fixed Deposits offer guaranteed returns, they may not protect your purchasing power against inflation. Multi-asset portfolios, though subject to market volatility, have historically provided better inflation-adjusted returns over longer periods.
Fixed Deposits
Moderate Portfolio
Aggressive Portfolio
Key Insight: Over a 10-year period, a ₹10 lakh investment in FD at 6.5% grows to ₹18.77 lakhs, while a moderate multi-asset portfolio at 10% could grow to ₹25.94 lakhs - a difference of ₹7.17 lakhs!
Client Details for Proposal
Client name is required
Email address is required
For understanding and discussion purposes only. No obligation.
Risk Profile Guide
Conservative (Low Risk)
Ideal for investors prioritizing capital preservation over growth. Suitable for short-term goals or those nearing retirement.
- • 65% in low-risk assets (FDs, Government Bonds)
- • 25% in medium-risk assets (Debt Funds, Gold)
- • 5% in high-risk assets (Equity)
- • Expected return: 7-8% annually
Moderate (Balanced Risk)
Balanced approach for long-term wealth creation with moderate risk tolerance. Good for mid-career professionals.
- • 40% in high-risk assets (Equity Funds)
- • 50% in medium-risk assets (Debt, Bonds, Gold)
- • 10% in low-risk assets (FDs)
- • Expected return: 9-11% annually
Aggressive (High Risk)
Maximum growth potential for young investors with long investment horizon and high risk appetite.
- • 75% in high-risk assets (Equity, Small Cap)
- • 25% in medium-risk assets (REITs, Bonds, Gold)
- • 0% in low-risk assets
- • Expected return: 12-15% annually
Asset Class Comparison
| Asset Class | Risk | Return | Liquidity |
|---|---|---|---|
| Fixed Deposits | Low | 6-7% | Medium |
| Government Bonds | Low | 7-8% | High |
| Corporate Bonds | Medium | 8-10% | Medium |
| Debt Mutual Funds | Medium | 8-9% | High |
| Gold ETF | Medium | 8-10% | High |
| Equity Mutual Funds | High | 12-15% | High |
| REITs | Medium | 10-12% | High |
Note: For detailed information about bonds and other investment products, visit our Products section.
Why Multi-Asset Investment?
Diversification Benefits
Spread risk across multiple asset classes to reduce overall portfolio volatility while maintaining growth potential.
Higher Return Potential
Equity and growth assets can potentially deliver higher returns than fixed deposits over long investment horizons.
Inflation Protection
Growth assets like equity and real estate help protect purchasing power against inflation over time.
Risk Management
Strategic allocation across risk levels helps balance growth potential with capital preservation.
Fixed Deposit Considerations
Advantages
- • Guaranteed returns
- • Capital protection
- • No market risk
- • Deposit insurance up to ₹5 lakhs
Limitations
- • Lower returns compared to equity
- • Inflation erosion risk
- • Tax inefficiency
- • Opportunity cost of higher returns
Best Suited For:
- • Emergency fund parking
- • Short-term goals (1-3 years)
- • Conservative investors
- • Capital preservation needs
Ready to Optimize Your Investments?
Our certified financial advisors can help you create a personalized investment strategy that aligns with your goals, risk profile, and time horizon.
Disclaimer: This calculator provides estimates based on assumed rates of return and is for illustrative purposes only. Actual investment returns may vary significantly based on market conditions, fund performance, economic factors, and timing of investments. Past performance does not guarantee future results. Fixed deposit returns are guaranteed by the issuing bank subject to deposit insurance limits. Please consult with a qualified financial advisor before making investment decisions. All investments are subject to market risks.