UOB Gold ROI Calculator
Calculate exact historical returns on UOB gold products. We factor in the real UOB bid-ask spread to show you true profit.
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How to Use the UOB Gold Calculator
Most generic gold calculators use the global "spot price" to calculate returns. However, retail investors in Singapore cannot buy or sell at the exact spot price. You must buy through a dealer or a bank like UOB, which introduces a bid-ask spread.
Our calculator is uniquely built for Singaporean investors using historical indicative data directly from UOB Group. Here is how the math works:
- Your Purchase: We take your initial investment and divide it by the historical "Bank Sells At" price for your selected date. This represents the premium you paid to acquire the asset.
- Your Sale: We multiply your acquired units by today's "Bank Buys At" price. This represents the discount you face when selling the asset back to the bank for cash.
This "round-trip" calculation provides a highly accurate reflection of your net profit or loss. By toggling between different product types (e.g., Gold Savings Account vs. 100g PAMP Bar), you can visually see how wider premiums on physical bars eat into your net returns compared to the tighter spreads of paper gold.
Frequently Asked Questions
Does this calculator use actual UOB prices?
Yes. We use our database of historical UOB indicative prices dating back to September 2025 (simulated data prior to that). For the purchase date, we use the 'Bank Sells At' price, and for the current valuation, we use the 'Bank Buys At' price. This ensures the UOB bid-ask spread is accurately reflected in your net return.
Why is my return lower than the spot gold price return?
The spot price is the wholesale price. Retail buyers purchase from banks at a premium (Bank Sells At) and sell back at a discount (Bank Buys At). This spread acts as a round-trip fee. Our calculator factors in this spread, giving you a realistic picture of your actual take-home profit.
Is the UOB Gold Savings Account (GSA) better than physical gold?
The GSA has the tightest bid-ask spread of all UOB gold products, making it superior for short-to-medium term trading and dollar-cost averaging. Physical bars carry higher premiums but offer counterparty-risk-free sovereign protection. You can use this calculator to compare the historical ROI of the GSA versus physical bars like the 100g PAMP.
How far back does this calculator go?
Our dataset contains daily UOB indicative prices starting from September 2025 (simulated data prior to that). If you select the 2Y option and 2 full years of data aren't available yet, the calculator will simply use the earliest available data point in our system.