31.7% more expensive
One year of change, side by side
- Tomatoes +31.7%
- Lettuce +19.3%
- Carrots +16.6%
Left in cash since 2015
You lost $4,580
You kept $20,000. Today, you need $25,940 to buy what it once bought.
Canadian annual-average prices rose about 29.7% between 2015 and 2025 (Statistics Canada all-items CPI: 126.6 to 164.2), so cash kept over that decade lost about 23% of its buying power. Grocery weeks use average household spending on food purchased from stores of $8,659 a year, about $167 a week (Statistics Canada, Table 11-10-0125-01, 2023). Statistics Canada does not endorse TipGoldVault, and the calculation was prepared by TipGoldVault as an illustration of what already happened, not a prediction.
Do groceries feel unaffordable and does finding a job feel harder?
You’re not alone. Here’s what the numbers say.
543,690 Canadians
Needed regular EI after losing work.
Shrank. Then shrank again.
Canada’s economy declined at an annualized rate for a second quarter in a row.
Your cash never fell.
It fell behind.
By 2025, cash still showed C$10,000—but bought less, while gold priced in Canadian dollars and Canadian equities (stock market) had moved ahead.
Same starting line · all values in Canadian dollars
Same C$10,000. Three different endings.
Year-end nominal value · before taxes
-
Gold · CAD
~C$40,300 4.03× the starting amount -
Canadian equities (stock market)
~C$32,400 3.24× with distributions reinvested -
Cash · CAD
C$10,000 Worth about C$7,700 in 2015 buying power −C$2,300 buying power
Cash protected the C$10,000 balance. It did not protect what that balance could buy.
Method: Each series is normalized to C$10,000 on December 31, 2015 and valued at each calendar year-end through December 31, 2025. Canadian equities use XIC adjusted closes as an investable broad-market proxy; adjusted prices reflect cash distributions reinvested after fund expenses, so this is not the exact S&P/TSX Composite Total Return Index. Gold uses COMEX gold futures closes converted from US dollars at the corresponding USD/CAD close. Cash remains a nominal C$10,000 and earns no interest. The C$7,700 purchasing-power figure uses Canada's annual-average all-items CPI (126.6 in 2015; 164.2 in 2025). Market data were sourced from Yahoo Finance. Figures exclude taxes, trading costs and physical-gold premiums, storage or spreads. Values are rounded; both gold and equities fell during the decade, and past results do not predict future returns.
PRICES KEEP RISING. CASH KEEPS BUYING LESS.
DON’T SAVE ONLY IN CASH. MAKE GOLD OR SILVER PART OF YOUR REGULAR SAVING HABIT.
- Choose an amount, gold or silver coins, and a schedule.
- TipGoldVault buys them automatically in your name.
- Set it and forget it. Easy!
Every 2 weeks, without you
Set it once.
EVERY 2 WEEKS
AUTO
Your Vault Storage Pass takes care of the rest.
Your Vault Storage Pass covers getting your metal to the vault and keeping it insured, secure and recorded.
| Every step | On your own | With your Vault Storage Pass |
|---|---|---|
| Purity, exactly as listed | No guarantee — your risk | Guaranteed, or your money back |
| Shipping to the vault | Up to $50 / order | Included |
| Insurance while in transit | Up to $10 / order | Included |
| Vault storage + insurance | Up to 1.5% a year; minimum fees may apply | Included |
| 24/7 world-class vault security | Your responsibility | Included |
| Records & proof of ownership | You manage and keep them | Included |
| Doing it again every payday... | Your time, every payday | Automatic |
| Add it up | Up to ~$1,000 a year in shipping + insurance + storage — plus your time | Included with your Vault Storage Pass |
Simple, visible pricing
Choose your amount and schedule once. When it's time to buy, we purchase whole coins from Royal Canadian Mint–listed dealers based on price and availability.
When coins are bought
Supplier price+ 2.7%
2.7% is TipGoldVault’s execution fee. The supplier price and our fee are clearly shown on your receipt.
We use Royal Canadian Mint–listed bullion dealers and choose based on price and availability.Vault Storage Pass
C$9.99every 2 weeks
Only needed if you choose to store your metal with TipGoldVault. First 2 biweekly periods free.
Included with your Vault Storage Pass
All included
Shipping to the vault, transit insurance, storage, vault insurance, security and ownership records.
Start with C$150Minimum purchase amount
Sell back to us. Anytime.Sell back only available from coins/bullions in the vault.
Home delivery availableAdditional delivery fee
Founding DiscountUp to 0.9% off your metal purchases
Your stack
Every payday.
In your hands.
C$150 is the minimum purchase amount.
Silver, in 1 oz coins. Whole coins only. Anything left over goes back to your bank the same cycle.
After 2 years
104silver coins
104 oz of silver
- Every cycle
- 2 coins
- Back to your bank
- C$22.00
An illustration built on an example all-in price of C$90 for a 1 oz silver coin. Not a live quote, and not a promise. Real prices change. Gold or silver may later be worth less or more than you paid. TipGoldVault does not guarantee a return or your original contribution. Nothing here is financial advice.
A real process—not another promise
Stop keeping
TipGoldVault is being designed so you choose an amount and metal once, then the automatic recurring process checks the live all-in price and buys the maximum whole physical coins that amount covers when it can cover at least one.
Early access is capped at 500 members.
- 0.5% Just for being in the first 500. Off TipGoldVault's fee on every purchase, for as long as your plan stays active. No referrals needed.
- 0.9% Each person you refer adds 0.1%. Four referrals reaches the maximum, and it also lasts as long as your plan stays active.
Get early access to TipGoldVault.
Join the waitlist. No card. The founding discount applies to TipGoldVault's own fee, never to the metal price, and it is an intended launch term rather than a current offer. TipGoldVault is under development; availability, pricing, final discount terms and launch timing are not guaranteed.