⚙️ Investment Parameters
Equity SIP (13%)
₹4.12 Cr
Zero maintenance, 100% liquid
Real Estate (8.5%)
₹2.18 Cr
After 7% stamp & property tax
Gold (9.5%)
₹2.45 Cr
Physical / Sovereign Gold Bonds
Fixed Deposit (6.5%)
₹1.48 Cr
Taxed at 30% slab rate
🧠 Asset Class Alpha Breakdown
Why Equity SIP Crushes Real Estate & Gold Over 20+ Years
Indian households traditionally put 85%+ of their wealth in physical real estate and gold jewelry. But historical data reveals the hidden frictions of physical assets:
- Real Estate Friction: 6-8% upfront stamp duty, 1-2% annual property maintenance, tenant vacancy risks, and extreme illiquidity (taking months to sell).
- Gold Friction: 3% GST, 8-15% making charges on physical jewelry, and lack of productive cash flow generation.
- Fixed Deposit Trap: 6.5% interest after 30% income tax yields a measly 4.55% net return—guaranteeing wealth destruction against 6% inflation.
- Equity SIP Supremacy: 12-14% historical CAGR in India's top 500 growing companies with seamless 1-click liquidity and 12.5% LTCG tax.
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Frequently Asked Questions & Actuarial Truths
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