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Historically, gold has been seen as offering high returns over the long term. Still, it comes with its own market and economic risks, unlike fixed deposits, which offer a fixed interest upon maturity. So, who is better than whom depends totally on your financial goal, risk appetite, and investment horizon.
Although both investment avenues have a low risk of fixed depreciation, they are safe as they provide guaranteed returns, whereas stock or prices can fluctuate with respect to the market cycle and contention.
Yes, both of these instruments are used as collaterel fr loans.
Gold attracts capital gain tax, whereas FDs are taxed with respect to their types, such as NRE FD and FCNR FD, which have no tax implication in India, whereas NRO FD has.
Gold wins here because it has a better hedge against market uncertainty and inflation, whereas the returns generated from fixed assets are fixed and can be eroded by rising prices.
By Ritesh Jain |Last Updated: December 8, 2025
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