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Head-to-Head Comparison

GoldvsTreasury Bonds (20+ Year)

Which asset better protects your retirement savings? We compare physical gold against Treasury Bonds (20+ Year) (TLT) on returns, risk, and inflation protection.

Gold Advantage Score: 95/100
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

Treasury Bonds (20+ Year)

Ticker
TLT

Long-term US government bonds. Supposed safe haven that lost 50% in 2022.

10-Year Return
+0.8%
annualized
Volatility
18.6%
std deviation
Max Drawdown-53%
Inflation Correlation-0.42
Key Risks
Lost 53% from 2020-2023
Negative real yields for years
US debt exceeds $34 trillion
Fed policy destroys value

Performance Comparison

MetricGoldTreasury Bonds (20+ Year)Winner
1-Year Return13.2%-12.4%GOLD
5-Year Return10.8%-4.8%GOLD
10-Year Return8.4%0.8%GOLD
Volatility (Lower = Better)15.2%18.6%GOLD
Max Drawdown (Smaller = Better)-44%-53%GOLD
Inflation Protection0.68-0.42GOLD

The Verdict: Gold vs Treasury Bonds (20+ Year)

While Treasury Bonds (20+ Year) 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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