Pakistan Economic Intelligence Center Comparisonspakeconintel.com/comparisons/gold-vs-treasury-bills

Gold Price vs 3-Month Treasury Bill Yield

Gold's USD price against the yield on Pakistan's 3-month Treasury Bills — a non-yielding hedge asset against a risk-free Rupee yield.

Gold Price vs 3-Month Treasury Bill Yield

Gold's USD price against the yield on Pakistan's 3-month Treasury Bills — a non-yielding hedge asset against a risk-free Rupee yield.

Gold rose 130.2% over the selected period — from 1813$/oz to 4173$/oz.

T-Bill Yield rose 70.2% over the selected period — from 7.23% to 12.31%.

Over this period, Gold and T-Bill Yield showed a moderate relationship, moving in opposite directions (correlation coefficient: -0.43).

Sources: Yahoo Finance & SBP EasyData

Why It Matters

When T-Bill yields are very high, the opportunity cost of holding non-yielding gold rises — this comparison shows how gold has performed across different domestic interest rate environments.

Frequently Asked Questions

Why compare gold (a USD asset) to a PKR yield?

It frames the real choice Pakistani investors face: hold a Dollar-priced hedge with no yield, or hold a Rupee-denominated instrument with a high nominal yield but full exposure to Rupee depreciation and local inflation.

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