DCA vs CD vs 401(k) Comparison Tool
Compare the wealth generated by Mutual Fund SIPs against traditional safe investments like 401(k) and Bank HYSAs.
$
10k
Yr
Expected Return Rates
%
%
%
Final Wealth Corpus Comparison
Over 15 years of monthly investing
By choosing Equity DCA over 401(k), you generate an additional $1,829,519 in wealth over 15 years.
Detailed Comparison Guide
Equity DCA
- • Returns: Market-linked (High, 12-15%)
- • Risk: High in short term, Low in long term
- • Lock-in: None (unless ELSS which is 3 years)
- • Taxation: 12.5% LTCG on gains above $1.25L
401(k)
- • Returns: Fixed by Govt (Moderate, ~7.1%)
- • Risk: Zero (Sovereign guarantee)
- • Lock-in: 15 years
- • Taxation: Completely Tax-Free (EEE)
Bank HYSA
- • Returns: Fixed by Bank (Low, ~6-7%)
- • Risk: Very Low
- • Lock-in: Flexible (1-10 years)
- • Taxation: Fully taxable at income slab rate