Emergency Fund vs. Mutual Fund—Which Wins at 12 % Inflation? (Free Calculator)
Methodology I ran 1,000 Monte Carlo simulations (10-year horizon) on a ₹1.5 lakh corpus.Savings account: 3% post-tax (current SBI rate).Index fund: 12% XIRR (Nifty 50 long-run) with 18% volatility.50/50 split: rebalanced yearly, correlation 0.2, Sharpe ratio computed.Inflation: 12% CPI (RBI target upper band) → real return adjusted.Live sheet reruns simulations → green cell = highest … Read more