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Silver vs FD — volatile upside or a fixed rate?

Silver carries more volatility than gold and no guarantee at all; FD is fully fixed but capped. Compare both on the same amount.

Run it on your own numbers

Silver Calculator vs FD Calculator — 10-year comparison

Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.

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Silver Calculator
FD Calculator
How each one actually works
Silver

Physical or digital silver, valued by weight, with more price volatility than gold due to its larger industrial-demand component.

PROS
✓Lower entry cost per unit than gold, more accessible for smaller amounts
✓Liquid, similar to gold
✓Can rally sharply during industrial demand upswings
CONS
✕Higher volatility than gold in both directions
✕No income or yield, same as gold
✕Premium and GST also apply to physical silver

Best for: A smaller, higher-risk complement to a gold allocation, not a primary safety holding.

Fixed Deposit (FD)

A lump sum deposited with a bank for a fixed tenure at a fixed, fixed interest rate.

PROS
✓Fully fixed return — no market risk
✓Predictable maturity value known upfront
✓Widely available and simple to open
CONS
✕Interest is fully taxable at your slab rate every year it accrues
✕Return is capped — no upside beyond the fixed rate
✕Early withdrawal usually triggers a penalty

Best for: Capital you can't afford to risk — an emergency fund, or a short-term goal within a couple of years.

Questions
Is silver a good alternative to FD for safety?

No — silver's price can swing significantly in either direction over a short period, which makes it a poor substitute for the capital-safety role an FD plays. They serve different jobs in a portfolio.

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.

All figures are illustrative projections based on the assumptions you select, not guaranteed returns. Validate tax and scheme rules before making financial decisions.