Both are different types of investment with different target groups. Gold investment is not for immediate gains. You might need to wait a few years in order to see some gains. Plus you should not invest money which you might need in the near future as you do not get any interest or dividends by investing in gold accounts. The only form of gain will be through selling of the gold at the prevalent market price at that time.

Whats the % of the payouts? Arent the payouts supposed to be per annum?