A lump sum investment of ₹4.4 lakh in gold, at expected return rate of 10%, will yield ₹20,21,788 after 16 years. While an investment of same lump sum amount in mutual funds, at a 12% return rate, will generate ₹21,50,329 in 14 years. Investment in a fixed deposit, at assumed annual return of 7%, will generate ₹20,25,263 in 22 years.