Comparison Guide

SIP vs. Fixed Deposit (FD): Returns, Risk & Inflation Impact

Discover the differences between Systematic Investment Plans (SIP) and Fixed Deposits (FD) for wealth creation.

SIP (Systematic Investment Plan)

Automated mutual fund investing over time. Higher potential long-term returns (12-15%) with market risk.

Open SIP (Systematic Investment Plan)

Fixed Deposit (FD)

Guaranteed interest rate returns with principal protection. Lower returns (6-7.5%) with zero market risk.

Open Fixed Deposit (FD)

The Verdict

SIPs are ideal for long-term wealth creation (5+ years) to beat inflation, while FDs are suited for short-term capital preservation or emergency funds.

SIP vs. Fixed Deposit (FD): Returns, Risk & Inflation Impact | Mathify | Mathify