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NAD

Namibian Dollar

NAD · Namibia

34
Moderate
Risk
Historical Scores
313946Jul 2021Jul 2023May 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 need at least 5.7%/yr returns. Money in a basic account is slowly losing value. Calculator ↓

Inflation
4.2%
Debt / GDP
4.7%
GDP Growth
3.7%
FX Volatility
17.0
Governance
Not available
Reserves
4.0 mo
Analysis
What's working well
Government debt is low — less pressure to print money
Economy is growing healthily
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 NAD4.2% inflation
NAD 813−NAD 187 (19% purchasing power lost)
Your NAD 1,000 buys 19% less in 5 years
What if you invested NAD 1,000 instead? (5yr, in NAD terms)
USD-denominated assets gain an additional ~1.2%/yr from expected NAD depreciation vs USD
Hold USD Cash
NAD 915
−NAD 85
-1.8%/yr net in NAD
S&P 500
NAD 1703
+NAD 703
range: NAD 784–NAD 3335
10% USD return + 1.2% FX · ±16% vol
Gold
NAD 1556
+NAD 556
range: NAD 450–NAD 4199
8% USD return + 1.2% FX · ±24% vol
Bitcoin
NAD 3206
+NAD 2206
range: NAD 197–NAD 19.0k
25% USD return + 1.2% FX · ±54% vol

All values in NAD. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.2%/yr based on the inflation differential between Namibia (4.2%) 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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