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Head-to-Head Comparison

GoldvsMicrosoft

Which asset better protects your retirement savings? We compare physical gold against Microsoft (MSFT) on returns, risk, and inflation protection.

Gold Advantage Score: 90/100
Hard Asset

Physical Gold

RECOMMENDED

Physical gold bullion, the ultimate store of value for 5,000 years.

10-Year Return
+8.4%
annualized
Volatility
15.2%
std deviation
Max Drawdown-44%
Inflation Correlation+0.68
Key Benefits
Zero counterparty risk
Cannot be printed or devalued
Recognized globally as money
Central banks hold 35,000+ tonnes
Paper Asset

Microsoft

Ticker
MSFT

Software giant with cloud dominance. Stable but expensive at current valuations.

10-Year Return
+26.8%
annualized
Volatility
24.2%
std deviation
Max Drawdown-72%
Inflation Correlation-0.09
Key Risks
Lost 72% after dot-com bubble
Azure growth slowing
Activist investor pressure
Gaming division struggles

Performance Comparison

MetricGoldMicrosoftWinner
1-Year Return13.2%28.2%MSFT
5-Year Return10.8%24.6%MSFT
10-Year Return8.4%26.8%MSFT
Volatility (Lower = Better)15.2%24.2%GOLD
Max Drawdown (Smaller = Better)-44%-72%GOLD
Inflation Protection0.68-0.09GOLD

The Verdict: Gold vs Microsoft

While Microsoft may offer higher short-term returns, gold provides superior wealth protection for retirees. Gold's lower volatility, better inflation correlation, and zero counterparty risk make it the smarter choice for preserving purchasing power.

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