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NAD

Namibian Dollar

NAD · Namibia

34
Moderate
Risk
Historical Scores
303846Jul 2021Jul 2025Oct 2026
What does this mean for you?

The Namibian Dollar is in decent shape overall, scoring 34 out of 100. There are some areas to watch, but no immediate danger. Your money is holding its value reasonably well compared to most currencies.

You only need about 5.0%/yr to stay ahead. A basic savings account is enough. Calculator ↓

Inflation
3.5%
Debt / GDP
4.7%
GDP Growth
1.7%
FX Volatility
11.2
Governance
Not available
Reserves
4.0 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Government debt is low — less pressure to print money
What to watch out for
The country is spending much more abroad than it earns — relies on foreign money flowing in
Full Namibia analysis →

Savings Impact Calculator

NAD
Holding cash in NAD3.5% inflation
NAD 842−NAD 158 (16% purchasing power lost)
Your NAD 1,000 buys 16% less in 5 years
What if you invested NAD 1,000 instead? (5yr, in NAD terms)
USD-denominated assets gain an additional ~0.5%/yr from expected NAD depreciation vs USD
Hold USD Cash
NAD 882
−NAD 118
-2.5%/yr net in NAD
S&P 500
NAD 1648
+NAD 648
range: NAD 754–NAD 3241
10% USD return + 0.5% FX · ±16% vol
Gold
NAD 1504
+NAD 504
range: NAD 431–NAD 4086
8% USD return + 0.5% FX · ±24% vol
Bitcoin
NAD 3115
+NAD 2115
range: NAD 187–NAD 18.6k
25% USD return + 0.5% FX · ±54% vol

All values in NAD. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.5%/yr based on the inflation differential between Namibia (3.5%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.

Holding other assets too? Calculate your full portfolio risk →
This score is based on our 12-factor risk model. Think inflation or debt should matter more? Build your own model with custom weights and see how NAD ranks differently.
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