TARGET WEIGHT · WHOLE PRODUCTS · CASH CARRY
Turn a recurring budget into an auditable physical-gold schedule
Set a target in fine troy ounces, choose a real product size and enter the contribution, premium and order fee you can document. The planner carries unused cash between cycles and buys only whole products. It therefore shows the waiting periods and cost friction that a smooth fractional-ounce formula hides.
Price reference
Shows the source and observation time of the metal price used here. Product premiums, dealer quotes and taxes are separate.
- Source
- No provider
- Observed
- Observation time unavailable
- Age
- Checking age…
- Delivery
- No data layer available
Checking the current market reference.
Define what enters the plan
Use the actual fine-gold size and written costs
THE DIRECT ANSWER
A physical-gold goal is constrained by product size, not just division
Dividing a target weight by a monthly budget assumes that every dollar can buy a fraction of a product. Physical coins and bars are normally purchased as whole units. If one product plus the order fee costs more than a contribution, cash must accumulate first. The schedule above models that delay and keeps the leftover balance visible after every purchase.
The order fee is charged only when at least one product is purchased. Product cost separates spot metal value and the entered premium.
TWO DIFFERENT QUESTIONS
Use this planner for feasibility; use the DCA tool for historical performance
HOW TO ENTER THE COSTS
Keep market reference, product quote and order friction separate
Use contained fine troy ounces, not gross weight, face value or karat alone.
Compare the written product price with the same-time spot reference and record the percentage gap.
Include shipping, payment or commission that applies once to each completed purchase cycle.
A smaller unit may be purchased sooner but can carry a higher premium; a larger unit may reduce frequency.
WHAT THE MODEL DOES NOT KNOW
The timeline is conditional, not a promise about future gold prices
The planner holds the entered spot price, premium and fee constant so the mechanics remain understandable. Real prices, dealer inventory, spreads, shipping, taxes and household cash flow can all change. A higher future product cost generally delays purchases; a lower cost may bring them forward. The output does not estimate investment return, future resale value or the probability of reaching the target.
01Re-run the plan with the current written product quote before placing an order.
02Keep an emergency reserve separate from money designated for gold.
03Check storage, insurance and exit costs outside this acquisition-only schedule.
04Do not infer that a faster target is a better portfolio allocation.
RELATED DECISIONS