A Comparative Study on Risk and Return Analysis of Investment Avenues: Property, Gold, Shares, FDs, Post Office Schemes, and Mutual Funds

G. L.  Malviya; Ashok  Soni

doi:10.69968/ijisem.2025v4i316-23

Authors

G. L. Malviya Assistant Professor of Commerce, Govt. Arts and Commerce (Naveen) College, Bhopal (MP).
Ashok Soni Assistant Professor, TIT- MBA, Bhopal.

DOI:

https://doi.org/10.69968/ijisem.2025v4i316-23

Keywords:

Investment decisions, Risk and Return Analysis, Investment Avenues, Property (real estate), Gold, Shares, FDs, Post Office Schemes, Mutual Funds, Sensex

Abstract

In the pursuit of financial stability and prosperity, investment decisions are of great importance to both individuals and organisations. The range of investing alternatives—from stocks, bonds, and mutual funds to real estate and alternative investments—offers a number of possibilities, each with its own set of risks and benefits. Investors need to choose which investment options best fit their financial goals, projected returns, and risk tolerance. The risk and return of many investing options are examined in this article. The review reveals that from 2020 to 2025, gold, Sensex, and property prices surged by 118.6%, 94.22%, and 87.65% respectively, indicating high return potential with corresponding risk. In contrast, FDs and post office schemes showed minimal fluctuation, offering stability but lower returns. Mutual funds emerge as a balanced investment choice, offering diversification and professional management. The study emphasizes the need for market analysis before investing, as high returns often accompany higher risks. A well-diversified portfolio helps mitigate risk. Notably, real estate sector stocks carry risk levels comparable to blue-chip shares, debunking the myth of safer real estate investments.

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