Market Mayhem
Ten years, three assets, one decision a year. Beat a plain fixed deposit if you can.
You start with ₹1,00,000 and split it however you like across a fixed deposit, gold and equity. Then a year of markets happens to you — a bull run, an election nobody can call, a credit crunch, an inflation shock, or a year where nothing happens at all. You get one line of gossip beforehand, which narrows down what is coming without telling you how big it will be. Then you do it again, nine more times.
The deposit never loses and never runs. Gold does nothing for years and then earns its entire keep in the one year equity falls by a third. Equity delivers both the best year in the deck and the worst. Nobody explains that to you; ten years of watching it is a better argument than a paragraph would be.
At the end your corpus is measured against two lines that matter more than the number itself: what the same money would have done sitting in deposits the whole time, and what it needed to be worth just to keep up with inflation. Ending up richer than you started is not the achievement — a deposit manages that every year without asking you to decide anything.
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