Work out gold investment return instantly with clear inputs, formula shown and shareable results.
Gold returns come entirely from price change, since the metal pays no income and physical holdings carry storage and making charges. Annualising the gain is essential, because long holding periods flatter the total return figure.
Gold return
Gain = (sell - buy) × grams; CAGR = (value/cost)^(1/years) - 1
Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
Yes for jewellery. They can be 8-20% of value and are not recovered on sale, which materially cuts the real return.
As a diversifier and inflation hedge. Its correlation with equities is low, which can smooth portfolio returns.