🚀SIP at 12% CAGR delivers +4.40%/yr real return. That's genuine wealth creation — purchasing power grows every year.
⚠️Your FD is losing purchasing power at -1.04%/yr. Bank balance grows but each rupee buys less. FD is safe parking, not wealth creation.
✅SIP overtook FD at Year 4. You're 6 years past the crossover — that's ₹7.59L more real wealth.
🧾Tax takes 30% of FD gains (30% slab) vs only 11% of MF gains. LTCG is far more efficient.
📊At 6% inflation, purchasing power halves every 12 years. Any investment earning less than 6% post-tax is shrinking your real wealth.
Calculations use Fisher Equation for real returns. FD/RD tax at income slab rate. MF uses 12.5% LTCG with ₹1.25L exemption (Budget 2024). Not investment advice. Consult a SEBI-registered advisor.