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Data refreshed daily at 8:00 Cairo time
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Year by year, value in EGP
| Option | Net yearly, EGP | Value in EGP | In today's money | Beyond inflation* | Worst year on record |
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*More (or less) than you need to keep up with prices, in today's money, after costs.
Every option can have a bad year. What matters is whether you can wait it out.
Worst years are the biggest one-year falls on record for each option (EGX30 in 2011, the S&P 500 in 2008, gold in 2013 in dollars, Egyptian property prices in 2020). The future can be better or worse.
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Monthly amount needed with each option
Prices rise with inflation, so your goal will cost more later. We grow it by the inflation rate in your assumptions, then work out the monthly amount each option needs to get there, after costs.
Portfolio builder
Split your amounts across the six options. Move one slider and the others adjust, so the total always stays at 100%.
Example mixes for learning, not a recommendation for you.
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Where the scenarios come from. Last 10 years uses what actually happened: EGX30 rose 12.8% a year on price alone from end-2014 to end-2024, plus dividends (EGX30 yearly returns). The S&P 500 returned 14.8% a year in dollars, 2016–2025 (Fidelity). 21K gold rose from 287.62 EGP a gram in April 2013 (Amwal Al Ghad) to about 6,217 today (GoldPriceZ, 24K × 21/24), about 25.6% a year in pounds, which splits into about 7.6% for gold in dollars and 16.7% for the pound's fall. Property prices rose about 12.2% a year in the Aqarmap index years 2014–2024 shown by Global Property Guide, with gross rental yields of 6.7% nationally. Balanced and Cautious are lower, forward-looking guesses, because the last decade included two large devaluations.
Today's rates. Inflation 13.9% in September 2026 (CAPMAS via Daily News Egypt). 3-year fixed certificates about 17.75% (Enterprise, August 2026); the renewal rate is a guess, since the CBE has been cutting rates. EGX trades pay 0.05% stamp duty each way since August 2026, replacing capital gains tax (Zawya). Dollar today: 55.29 EGP (ExchangeRate-API, 24 Oct 2026), refreshed every day at 8:00 Cairo time. Default costs for gold workmanship, broker and FX spreads, and property fees are estimates; edit them to match your own.
Worst year on record shows how hard each option has fallen in a single year: EGX30 −49.3% in 2011, property −9.6% in 2020 (Aqarmap), and the widely reported S&P 500 −37% in 2008 and gold −28% in 2013 (in USD). Property also needs a large amount up front and can take months to sell. Certificates are the only fixed rate, and only until they mature.
Checked 24 October 2026.
Illustration only, not a prediction and not personal financial advice. Real returns change and can be negative.