If you have patience and you don't require money for urgent work then I think you should keep your money in bank otherwise the choice of gold is also a better option. In gold your money will be deducted if you sell your gold and in such situations you will have little profit whereas in bank the money is deducted based on specific occasions.

As the gold price is minimizing these days so all investors of gold will be in worries that how they will recover their sum but in banks the value does not deteriorates because the money is saved. I think both have certain advantages and also they contains disadvantages so accept both of them to obtain profit out of them.