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Gold Investment Return Calculator

Precious Metals vs Stocks: Investment Return Estimatorgold and silver performance calculator

Simply select a start year within the past 25 years and a lump-sum investment amount.

The calculator will estimate the current+ value of your chosen lump sum investment, across a variety of common precious metal mixes and contrast their values with popular blue-chip++ stocks.

Est. Current Value

100% in Gold

100% in Silver

75:25 Gold/Silver

50:50 Gold/Silver

25:75 Gold/Silver

S&P 500

Dow Jones


Gold and Silver’s Best Use is for Diversification

gold the diversifierDespite the Bullion.Directory team being 100% gold obsessed, we built this calculator to highlight gold’s main use as a diversifier. While the 25 year average annual return for gold and silver at 8.65% and 8.52% beats 7.67% for the S&P 500 and 6.93% for the Dow, we would never suggest going all-in on metals.

By playing with the above calculator, you will rapidly see your hypothetical investment value will vary considerably depending on when you entered the market.

Some years will see a 100%-focused gold investment beat stocks into the ground. Others will see metals and stocks seeing similar overall gains, whilst a few will have stocks take gold behind the proverbial woodshed.

Yet by owning a basket covering both metals AND stocks or similar investment vehicles, your overall portfolio will typically get the best of both worlds – and use gold’s proven hedging ability to save your skin (or indeed retirement account) if and when the stock market has it’s next inevitable correction.

And Enron? We added Enron into the calculator as a jokey yet serious note that even the best and most trustworthy stocks, in the best and most beloved ‘too-big-to-fail’ companies, can and regularly do go to zero.

Which again helps illustrate gold’s use as a form of insurance. Gold’s intrinsic value and global desirability mean it will never ‘do’ an Enron.

+This 25 Year Gold Investment Calculator, provided by Bullion.Directory, is designed for informational and educational purposes only. The estimates and calculations presented are based on historical data and do not guarantee future performance of gold or any other investments. The calculations made by this tool are grounded in historical annual performance figures for gold from 1998 to 2023 inclusive. It’s important to understand that past performance is not indicative of future results. The value of gold and any associated investments can fluctuate widely. The actual historical performance of precious metals and stocks inside your portfolio may differ from the estimates provided as these figures do not allow for management and storage fees or premiums charged on specific precious metals investments.

This calculator does not offer personalized financial advice and does not take into account your individual circumstances, financial situation, or specific investment objectives. Any decisions made based on the output of this calculator are taken at your own risk. Bullion.Directory is not responsible for any financial losses or gains incurred as a result of using this tool. We strongly recommend consulting with a qualified financial advisor before making any investment decisions. A professional can provide personalized advice and a comprehensive investment strategy that aligns with your goals and risk tolerance.

++ The selection of the S&P 500 and Dow Jones indexes in this calculator is based on their wide recognition and use as benchmarks in the financial industry. They are utilized here purely to demonstrate potential market performance over time and are not intended as investment suggestions or endorsements.

The inclusion of the Enron stock is intended to serve as a historical example of the risks inherent in investing in individual stocks. This highlights that stocks can, and sometimes do, lose their entire value, underlining the importance of due diligence and the need for investors to be aware of the risks associated with buying paper assets.