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Backtest precious-metal allocation against historical fiat erosion over your retirement horizon.
Common conservative range: 5–20%.
All-equity (real buying power)
$515,254
10% gold blend (real)
$505,708
Real (inflation-adjusted) value
At these assumptions, the gold allocation cost $9,546 in real terms.
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Explore →We compound an all-equity baseline and a gold-blended portfolio with their own expected returns, then divide each by a year-by-year inflation deflator. The output is real buying power in today's dollars, so two portfolios with the same nominal value can have very different real outcomes.
BlendedRate = (1 − GoldAllocation) × EquityReturn% + GoldAllocation × GoldReturn%
Fixed weights — assumes annual rebalancing back to the target gold allocation.
Baseline_y = Baseline_{y−1} × (1 + EquityReturn%)
Blended_y = Blended_{y−1} × (1 + BlendedRate)Real_y = Nominal_y / (1 + Inflation%)^y
Removes the loss of purchasing power so figures are comparable to today's dollars.
BuyingPowerEdge = BlendedReal_n − BaselineReal_n
Positive ⇒ the gold blend preserved more real value; negative ⇒ it cost real return.