FD vs SIP: Which is Better for Long-Term Returns in 2025?
Fixed Deposit vs SIP: India & Tier 1 Comparison Fixed Deposit vs SIP: Which Investment is Better in India & Tier 1 Countries? When it comes to safe and smart investing, Fixed Deposits (FDs) and Systematic Investment Plans (SIPs) are two popular options. But which is better? Whether you're in India or a Tier 1 country like the USA, UK, Canada, or Australia , the answer depends on your financial goals, risk tolerance, and investment horizon. In this article, we compare FD vs SIP , explain their differences, pros and cons, and use a graph to visualize long-term returns. This guide is ideal for beginner investors and those looking for low-risk or moderate-risk investments . What is a Fixed Deposit (FD)? A Fixed Deposit is a financial instrument offered by banks and financial institutions where you invest a lump sum for a fixed period and earn a guaranteed interest rate. Risk: Very Low Returns: Fixed (India: 6–8% annually; Tier 1 countrie...
