Lumpsum vs Gold — equity growth or a physical hedge?
A one-time equity investment carries market risk for growth potential; gold holds value differently and tends to do well when equities struggle. Compare both on the same amount.
Lumpsum Calculator vs Gold Calculator — 10-year comparison
Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.
Compare now →A one-time amount invested into equity mutual funds all at once, rather than spread out over time.
Best for: A windfall (bonus, inheritance, asset sale) when you don't have another pressing use for it and can leave it invested long-term.
Physical or digital gold, valued by weight at the prevailing market price, plus making charges and GST on physical purchases.
Best for: A smaller diversifying allocation (typically 5–15% of a portfolio) as an inflation and crisis hedge, not a primary growth holding.
Can I split a lumpsum between equity and gold?
Many investors do hold a smaller gold allocation alongside equity as a hedge — this comparison shows each in isolation so you can see the trade-off clearly before deciding on a split.
Where do these numbers actually come from?
The same calculation engine that powers our standalone calculators and Compare Lab — nothing here is a separate or simplified estimate. Every assumption (rate, tenure, tax) is visible and adjustable once you open the comparison with your own numbers.