SIP vs Gold: Which Builds More Wealth Over 20 Years?
SIP vs Gold: Which Builds More Wealth Over 20 Years? (Data verified: 23 October 2026) Maybe someone in your family has been telling you to move your SIP money into gold. Looking at the last twelve months, they have a point. Gold in India is up about 22% in a year. The Nifty 50 is down about 10%. But ask a simple follow-up: which one has built more wealth over 20 years? The answer is more surprising, and more careful, than either camp admits. Here is the short version. Over the 20 years to October 2026, gold has grown at about 15% a year in India, ahead of the Nifty 50's roughly 11% to 12% a year including dividends. Gold wins that race. But the lead is built on the last three years, on a falling rupee, and on a path that included six years of going nowhere. Neither asset is "better" in the abstract. They are different tools that win in different conditions. This guide uses data as of 23 October 2026 to compare an equity SIP with gold across returns, the rupee, costs, ...