Alternative Investment Comparison Tool
Run one contribution plan through multiple return assumptions so the opportunity cost becomes visible.
Problem
Different instruments feel incomparable until the same cash flow is projected across all of them.
Promise
Compare the future value of the same cash flow across SIP-style funds, PPF, gold, and direct equity assumptions.
Trust note
No login. The estimate runs in the browser and keeps the assumptions visible.
Tool mode
Basic keeps the fast default flow. Advanced unlocks goal seek, sensitivity sweep, and a second comparison scenario.
Contribution plan
Return assumptions
Main answer
₹96,07,040
Direct equity leads this scenario by about ₹17,04,998 over Balanced fund across 12 years.
All options use the same ₹3,00,000 starting amount and ₹25,000 monthly contribution plan.
Balanced fund
₹79.0L
10.0% assumed annual return.
PPF
₹63.6L
7.1% assumed annual return.
Gold
₹67.9L
8.0% assumed annual return.
Direct equity
₹96.1L
12.5% assumed annual return.
Projected future value by instrument
Best projected value
₹96.1L
Direct equity is the highest under the entered assumptions.
Lead over #2
₹17,04,998
Difference between Direct equity and Balanced fund.
Total cash invested
₹39.0L
This is your actual capital committed before growth.
How to read this tool
This is a planning model, not a final quote. Use it to understand the direction and size of the trade-off before committing.
Adjust the inputs to test optimistic and conservative scenarios instead of relying on one default answer.
Why the result leans this way
Same cash flow, different ending values
Running the exact same contribution plan across instruments makes the opportunity cost visible without changing your saving behavior.
Return assumptions are not promises
A small change in expected return can materially change the ranking over long horizons, especially for equity-heavy options.
Assumptions and sources
Planning scope
This tool is meant for scenario planning. Quotes, taxes, policy terms, and personal preferences can change the final decision.
Effective from 2026-04-01
Return assumptions
The tool compares assumed pre-tax growth rates. It does not model instrument-specific tax treatment or liquidity constraints.
Effective from 2026-04-01
Frequently asked questions
Does the highest return assumption automatically mean the best choice?
No. Volatility, lock-in, taxation, and liquidity can matter more than raw future value for some goals.
How should I use the alternative investment comparison tool result?
Run it with conservative and aggressive assumptions. If the conclusion survives both cases, the decision is usually more robust.
What can change the real outcome?
Taxes, policy rules, employer terms, personal behavior, and financing costs can all move the final result away from the estimate.
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