FD at 7% with 6% inflation = only 0.94% real return. SIP at 12% = 5.66% real return. Find out if your investment is actually building wealth or just maintaining it.
| Investment | Nominal Return | Real Return (6% inflation) | Wealth Building? |
|---|---|---|---|
| Savings Account | 3.5% | -2.4% (losing money!) | No — losing real wealth |
| Fixed Deposit | 7.0% | 0.94% | Barely maintaining |
| PPF | 7.1% | 1.04% | Minimal real growth |
| Large Cap SIP | 11% | 4.72% | Yes — real wealth |
| Flexi Cap SIP | 13% | 6.60% | Strong real wealth |
| Small Cap SIP | 16% | 9.43% | Aggressive wealth |