Gold Return Calculator: What Is Your Investment Worth Today?
Enter the year you started buying gold and the amount invested. See the current value, total return, and how gold compares to EPF, ASB, and fixed deposit — in SGD or MYR.
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How Gold Compares
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Historical Gold Prices
Uses annual average gold prices (LBMA PM fix in USD) converted to SGD and MYR using annual average exchange rates from MAS and BNM. Data covers 2010 to 2024.
Currency Effect
MYR returns are higher than SGD returns because the Ringgit weakened roughly 40% against USD from 2014 to 2024. This calculator captures both the gold price gain and the currency effect.
Comparison Benchmarks
EPF and ASB returns use official declared dividend rates. Singapore FD uses MAS average rates. S&P 500 uses total return including dividends. All benchmarks are cumulative from your chosen year.
Spread Not Included
The calculator shows raw price returns. Actual returns depend on your buy/sell spread (Public Gold GAP: ~9%, BullionStar bars: ~1-3%). Deduct the spread from your profit for a net figure.
Frequently Asked Questions
How much would $10,000 invested in gold in 2015 be worth today?
S$10,000 invested in gold in January 2015 would be worth approximately S$27,000–S$29,000 today (2026), a return of roughly +170–190%. In MYR, the return is higher due to the Ringgit's depreciation against USD. Use the calculator above for your exact year and amount.
How does gold compare to EPF over 10 years?
From 2014 to 2024, gold returned approximately +133% in MYR vs EPF cumulative dividends of approximately +71%. Gold outperformed because the Ringgit weakened ~40% against USD over the same period. EPF is government-guaranteed; gold is not. Both serve different roles in a portfolio.
Is gold a better investment than fixed deposit?
Over long periods (10+ years), gold has historically outperformed fixed deposit rates. Singapore FD averaged 1–2% per year from 2015–2022. Gold returned roughly 8–12% per year on average over the same period. However, gold is volatile — it can fall 20–30% in a single year. FD guarantees principal. Gold does not.
Why does gold perform better in MYR than in SGD?
Gold is priced globally in USD. When the Ringgit weakens against USD, the same gram of gold costs more Ringgit. From 2014 to 2024, the Ringgit fell roughly 40% against USD. This means Malaysian investors gained from both gold's price rise in USD and the currency effect. Singapore Dollar is much more stable against USD, so SGD returns track USD returns more closely.
What data does this calculator use?
Annual average gold prices based on the LBMA PM fix in USD, converted to SGD and MYR using annual average exchange rates. Current 2026 price is based on approximate September 2026 spot price of USD 3,400/oz (SGD ~S$480/g, MYR ~RM490/g). Prices are for reference only and may differ from actual purchase prices due to dealer spreads.
Related Reading
This calculator is for illustrative purposes only. Gold prices are historical averages and do not reflect actual purchase prices, dealer spreads, or storage costs. Past returns do not guarantee future performance. Gold is not a capital-guaranteed product. Umar Yusof is a financial adviser representative with Synergy Financial Advisers Ltd (FA Reg. No. 200106516Z), licensed by MAS. This is not financial advice. Consult a licensed adviser before making investment decisions.