Gold Investment Return Calculator

Illustrate holding gold for N years after premium, spread and storage, against money earning a set interest rate.

Gold sold at the end (illustration)–

Gain or loss on the gold: –
Return a year after all costs: –
Same amount at the interest rate: –
Gold minus the interest alternative: –
Price rise a year needed to get your money back: –
Price rise a year needed to match the interest: –

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Year By Year

Year	Gold if sold	At the interest rate	Difference

Other Price Paths

Gold price change a year	Gold if sold	Gain or loss

What This Illustration Shows

Gold earns nothing while you hold it. Every dollar of return has to come from the price rising, and part of that rise is used up before you see any of it: the premium when you buy, the buy-back discount when you sell and the yearly cost of keeping the metal safe.

The two break-even figures show how hard the price has to work. The first is the yearly rise needed just to get your money back. The second is the rise needed to beat simply leaving the money at the interest rate you entered.

No one can tell you what the gold price will do. Use the "Other Price Paths" table to see a range, including falls, and read our guide to gold in a retirement portfolio for the risks.

Assumptions And Limits

The yearly change in the gold price is your own assumption, held steady every year. It is an illustration, not a forecast and not guaranteed. Real gold prices swing sharply and have fallen for years at a time; past performance is not a guide.
You buy at the spot price plus the premium you enter and sell at the spot price less the buy-back discount you enter, with the same terms at the end as today.
Storage and insurance are charged each year as a percentage of the holding's value (plus GST if ticked) and any fixed yearly fee, taken out of the holding. Gold itself pays no interest or dividends.
The comparison grows the same amount at the interest rate you enter, compounded once a year with interest reinvested. Check current rates yourself: the CPF Ordinary Account pays a guaranteed minimum of 2.5%, while T-bill and Singapore Savings Bond yields change with each issue.
Ignores tax (Singapore does not generally tax capital gains for individuals, but check your own case), currency effects beyond the gold price you assume, and any GST on non-investment gold.

This calculator was built with AI tools from published rules and may contain errors. Results are estimates for education only, not financial advice and not a guarantee. Rates and rules change; confirm with the official source before you act. Your figures stay in your browser: nothing you type is sent to us.

Gold Investment Return Calculator

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Year By Year

Other Price Paths

What This Illustration Shows

Assumptions And Limits

Sources