Sources
- CSGB / Asgari Ücret Tespit Komisyonu (2026 brüt/net)
- GİB gelir vergisi tarifesi 2026
- EPDK mesken elektrik kademeli tarife (yaklaşık)
- BOTAŞ / dağıtım şirketleri doğalgaz (yaklaşık)
- Hazine ve Maliye — kıdem tazminatı tavanı 1. dönem 2026
US Dollar vs Gold Comparison
Compare dollar and gram gold on equal dates, executable quotes and real-return assumptions.
Matching start and end dates
Returns need executable prices on identical dates. Selecting different lows and highs creates bias. Avoid treating non-tradable holiday quotes as realised outcomes.
Ounce price and USD/TRY
Turkish gram gold reflects both global dollar gold and the USD/TRY rate. Gram value can rise even when ounce gold is flat, so separate the two drivers.
Spreads and costs
Investor return uses buy and sell quotes rather than a midpoint. Commissions and storage can dominate short horizons.
Nominal versus real return
After costs, compare TL growth with same-period inflation. A positive nominal result can still be negative in purchasing power.
Liquidity and purpose
Emergency cash needs punish wide spreads. Long-term holding emphasises safekeeping and divisibility. State the purpose before comparing percentages.
Risk and tool limits
Past performance does not guarantee future results. The calculator is educational, not investment advice. Record assumptions and cross-check prices.
Product choice and custody
Bars, coins and book-entry products carry different spreads and storage costs. Even with the same ounce and FX path, product choice changes net return. Do not merge physical delivery with account products on one line.
Taxes and reporting notes
Tax treatment can differ by instrument and holding period. Scenario tools ignore personal tax status; confirm obligations separately before comparing after-tax outcomes.
Practical tips
- Match dates exactly.
- Use executable buy/sell quotes.
- Separate ounce and FX effects for gram gold.
- Deduct spreads and fees.
- Adjust for inflation.
- Compare like-for-like products only.
- Note custody fees beside spreads.
FAQ
Does gram gold only follow ounces?
No. USD/TRY also directly affects the TL gram price.
Does past return predict future?
No. Historical leadership is not a guarantee.
Why do spreads matter?
Your return is set by prices you actually pay and receive.
What is real return?
Purchasing-power change after inflation.
Is this investment advice?
No. It is an informational comparison tool.
Is bank USD the same as physical gold?
No. Spreads, yield terms and custody differ; compare product by product.
Does the tool include personal tax?
No. Tax status must be checked separately.