Gold for retirement
Retirement savings with gold: with the gold savings plan you build your own gold reserve month by month – real, physical gold, independent of pension funds and banks. From just €5 a month.
- Physical gold
- 100% your property
- Insured storage in Singapore
Why the state pension alone is not enough
State pensions across Europe are under pressure. People live longer and fewer workers pay in for every pensioner. In the EU there are only about three people of working age for every person aged 65 or over today, and that ratio keeps falling.
Then there is inflation. At 2% a year, what costs €1,000 today will cost almost €1,500 in 20 years. Anyone who only notices at 60 that their pension will not stretch far enough has little time left to act.
Private savings are therefore no longer an extra but a necessity. The only question is: with what?
What gold does for your retirement savings
Protection against inflation
Gold cannot be created at will. When central banks print money, currencies lose purchasing power while the amount of gold stays the same. Over long periods, gold has preserved its purchasing power.
Metal, not a promise
A pension policy is a payment promise from a company, a share is a stake in a business. Gold is a tangible asset and does not depend on anyone else paying.
Balance for your wealth
Gold often moves differently from shares and bonds, especially in a crisis. As a building block alongside ETFs or a pension policy, it can smooth out swings in your overall wealth.
Gold also has drawbacks: it pays no interest or dividends, and its price can fluctuate for years. That is why we see gold as one building block of your retirement savings, not the only pillar.
How the Spargold savings plan works
- 1
Download the app
Download the Spargold app from the App Store or Google Play and open your account in a few minutes.
- 2
Create a savings plan and set up a standing order
Create your gold savings plan in the app from €5, weekly or monthly. Then set up a standing order at your bank to your Spargold balance, so there is always enough money for each purchase. No minimum term, change it at any time.
- 3
Buy real gold automatically
On every date, Spargold buys gold for your amount at the current price, without credit and without leverage. You own shares in physical, allocated bars, stored insured in Singapore and not on Spargold's balance sheet.
- 4
Use it flexibly in retirement
You decide when to use your gold: all at once, bit by bit as extra income, or not at all and pass it on. You can sell directly in the app at the market price while markets are open.
A safe place for decades
Saving for retirement needs a place that will be just as safe in 20 or 30 years as it is today. That is why your gold is not stored in your home country or at a bank, but in Singapore.
Outside the EU
Your gold is independent of EU politics, state intervention and the European banking system.
The “Switzerland of Asia”
Singapore is politically neutral and economically very stable. All three major rating agencies give it their top AAA rating.
One of the safest countries in the world
Low crime, strict property laws and one of the most heavily militarised countries in the world.
High-security vault “The Reserve”
A free-trade-zone vault in a security zone at Changi Airport, operated by LBMA member Silver Bullion. It holds assets worth more than 3 billion US dollars, is fully insured and is audited externally several times a year.
The right place to store value for decades: for your retirement.
“The Reserve” has been featured by Spiegel Online, Galileo (ProSieben), The Wall Street Journal, Bloomberg, CNBC, BBC News and The Economist.
See storage, reports and press →What would your savings plan be worth?
Find out how a monthly savings amount in gold, silver or platinum would have developed in the past – or how it could develop in the future.
- Invested
- €73,800
- Gain
- €341,675(+463%)
- Return p.a.
- 9.6%
Monthly average prices up to September 2026, today's value at the current price. Sources: World Bank, ECB, Federal Reserve Bank of St. Louis.
Past performance is no guarantee of future results. The forecast shows possible scenarios, not a prediction. Precious metal prices can fluctuate and also fall. This is not investment advice.
Gold, pension policy or ETF savings plan?
All three have their place in retirement savings. The difference lies in what they protect you against.
| Gold savings plan (Spargold) | Private pension policy | ETF savings plan | |
|---|---|---|---|
| What you own | Physical gold | A claim against an insurer | Shares in companies |
| Ongoing income | None | Guaranteed rate (usually low) and bonuses | Dividends |
| Inflation protection | High, over long periods | Low | Medium to high |
| In a crisis | Often stable or rising | Stable, but inflexible | Can fall sharply |
| Flexibility | Change and sell at any time | Tied up for decades, cancelling often costs money | Sell at any time |
| Costs | 1% purchase, 2% sale, 0.5% storage p.a. | Acquisition and management costs | Order fees and ongoing fund costs |
For many people, an ETF savings plan is the basis for long-term growth. Gold complements it as a safety building block in case currencies, stock markets or insurers come under pressure.
Gold as a building block for every stage of life
Self-employed
Many self-employed people pay little or nothing into a state pension and have to provide for themselves. A gold savings plan adapts to fluctuating income: change or pause the amount at any time, without penalty.
Women
Across Europe, women receive considerably lower pensions than men on average, because part-time work, childcare and caring for relatives leave gaps. Even small amounts from €5 a month build a cushion of your own over the years.
Seniors
Holding part of your savings in gold is worthwhile in retirement too, as protection against inflation. No term and no notice periods: sell at any time in the app and have the proceeds paid out.
Häufige Fragen zur Altersvorsorge mit Gold
Start today, not at 60
Every year your savings plan starts earlier counts. Set up your gold savings plan in a few minutes, from €5 a month, with no minimum term.
The value of precious metals can fluctuate. Past performance is not a reliable indicator of future results. This page is not investment advice.
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