SPY (S&P500) vs GOLD: Alin ang mas bagay sa retirement fund building?

Maraming nagsasabi:

“Bakit hindi gold? Tumataas din naman ang gold.”

Tama. Gold can increase in value, especially during uncertain times. Pero kung ang usapan ay retirement fund building, hindi lang natin tinitingnan kung tumataas ba ang presyo.

Ang mas mahalagang tanong:

Alin ang mas consistent na nakakatulong magpalago ng retirement fund over the long term?

Based on the chart comparing SPY with dividends reinvested versus Gold, ito ang lumalabas:

10 Years

SPY: +305.99%

Gold: +255.36%

Both performed well. Pero mas mataas pa rin ang SPY.

20 Years

SPY: +683.23%

Gold: +602.03%

Again, maganda ang gold. Pero lamang pa rin ang SPY.

30 Years

SPY: +1,730.09%

Gold: +1,071.99%

Dito mas lumalabas ang malaking diperensya.

Habang humahaba ang panahon, mas lumalaki ang advantage ng productive assets like stocks.

Why?

Because SPY represents ownership in businesses. These companies earn money, grow earnings, innovate, expand, pay dividends, and reinvest profits.

Gold, on the other hand, does not produce earnings.

Wala itong sales.

Wala itong profit.

Wala itong dividends.

Wala itong business growth.

Tumataas ang presyo ng gold mainly because people are willing to pay more for it over time, especially during fear, inflation, crisis, or uncertainty.

Hindi ibig sabihin nito na walang silbi ang gold.

Gold can be useful as a store of value or hedge. But for building a retirement fund, especially kung 20 to 30 years ang time horizon mo, mas may advantage ang investment na may productive engine behind it.

Let us put it simply:

Gold protects purchasing power.

Stocks build wealth.

For retirement planning, protection is important. Pero kung kulang pa ang retirement fund mo, hindi sapat ang protection lang. Kailangan mo rin ng growth.

That is why for long-term retirement fund building, I personally give more weight to broad equity investments like the S&P 500, especially when dividends are reinvested.

Hindi dahil walang value ang gold.

Kundi dahil iba ang purpose niya.

Gold is more like insurance against uncertainty.

SPY is more like a wealth-building machine.

Kung retirement fund ang goal, ask yourself:

Do I need something that simply preserves value?

Or do I need something that can compound and grow my money over decades?

For most people still building their retirement fund, growth matters.

Retironaryo reminder:

Huwag pumili ng investment dahil lang sikat, trending, or mukhang safe. Piliin ang investment based on your goal, time horizon, required rate of return, and retirement plan.

Because in retirement planning, the real risk is not volatility.

The real risk is not having enough money when you retire.

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