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Gold IRA Calculator

Gold IRA Investment Calculator

See how adding gold to your retirement portfolio could protect and grow your savings. Compare projections with real historical data.

Your Retirement Portfolio

5% (Conservative)15% (Moderate)25% (Aggressive)

Return Assumptions

4%Historical avg ~7%12%
2%Historical avg ~5%10%

Projected Portfolio in 15 Years

100% Stocks
$690k
Real value: $443k
85% Stocks + 15% Gold
$664k
Real value: $426k
Trade-off for stability
-$25,504

Risk Analysis (Based on 2000-2024 Data)

Volatility (Std Dev)
Lower is smoother ride
17.9%
15.6% (-13%)
Max Drawdown
Worst peak-to-trough loss
-37.6%
-30.6%
Sharpe Ratio
Risk-adjusted returns (higher is better)
0.36
0.42
Avg Annual Return
Historical 2000-2024
9.4%
9.5%

Historical Backtest (2000-2024)

If you invested $250,000 in 2000:
100% Stocks
$1.60M
85% Stocks + 15% Gold
$1.82M
2008 Crisis
-37%
Gold 2008
+5.5%
2022 Drop
-18%
Gold 2022
-0.3%
During the 2008 crisis, a 15% gold allocation would have reduced losses by approximately 1% compared to a pure stock portfolio.

See How Gold Could Protect Your Retirement

The numbers above show how gold can act as a "bridge" during market volatility - providing stability when stocks decline. Augusta Precious Metals can help you understand if a Gold IRA is right for your situation.

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Understanding Gold IRA Investments

What is a Gold IRA?

A Gold IRA (Individual Retirement Account) is a self-directed retirement account that allows you to hold physical gold, silver, platinum, or palladium as part of your retirement savings. Unlike traditional IRAs that hold paper assets like stocks and bonds, a Gold IRA holds actual precious metals stored in an IRS-approved depository.

Gold IRAs offer the same tax advantages as traditional IRAs - contributions may be tax-deductible, and growth is tax-deferred until withdrawal. You can also do a tax-free rollover from an existing 401(k) or IRA.

Why Consider Gold in Your Portfolio?

Potential Benefits
  • Portfolio diversification beyond paper assets
  • Historically negative correlation with stocks
  • Hedge against inflation and currency devaluation
  • Physical asset with intrinsic value
Important Considerations
  • Gold doesn't pay dividends or interest
  • Storage and insurance fees apply
  • May underperform stocks in bull markets
  • Not FDIC insured (but physically secured)

How Much Gold Should You Own?

Financial advisors typically recommend allocating between 5% to 25% of your portfolio to gold, depending on your risk tolerance and investment goals. Here's a general guideline:

5-10%
Conservative
Basic diversification
10-15%
Moderate
Balanced protection
15-25%
Aggressive
Max crisis protection

* This calculator is for educational purposes only. Historical performance does not guarantee future results. Gold prices can be volatile and may decrease in value. Please consult with a qualified financial advisor before making investment decisions.

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See how gold can diversify your retirement savings and protect against market volatility.

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