– What is investment gold and what is it for?
Dear, Investment gold is pure gold. It has the highest possible purity of 999.9, achieved through strictly controlled industrial production processes. It is used as an investment instrument for effective protection of money against inflation.
– How does investment gold protect money from inflation?
Dear,
Gold protects money against inflation through the growth of its value.
The value of gold over time shows a continuous upward progression. In general, the growth in gold value exceeds the inflation rate.
However, when inflation is strongly expressed and takes on characteristics of hyperinflation, it may occur that short-term gold performance does not fully follow the inflation rate. In such situations, a slightly longer time horizon is required for gold’s value growth to “outperform” inflation. Historically, this has always occurred within a period of two to five years.
In recent years, gold has shown strong upward momentum. In 2024 and 2025, the value of gold increased by 90%. Such a trend, in addition to protecting the purchasing power of money, also brought investors an additional benefit in the form of capital gains. This market movement has led leading global financial experts to recognize gold as the best investment in 2024 and 2025.
– What are the competitive advantages of gold compared to other forms of property?
Dear,
We can point out the following facts as the most important advantages of gold:
– Absence of all tax burdens:
– VAT=0%
– Capital gains tax =0.00%
– Property tax =0.00%
– Liquidity at the highest level.
– Depreciation and maintenance costs =0.00%
– Minimal costs of safe storage.
– Can I sell the investment gold I buy from you only to you?
Dear,
Investment gold purchased from us becomes your personal property, which you may freely dispose of without restrictions. You may also liquidate it anywhere in the world. At any time, we guarantee the buyback of all products purchased through our company at publicly available preferential prices.
– Can I get a discount when I buy a larger amount of investment gold?
Dear,
No reputable investment center in the world is able to grant a discount when purchasing investment gold. The reason lies in the dealer’s profit margin, which amounts to approximately 1.5%.
However, there is a way to achieve a more favorable price:
Prices on our platform are automatically updated every 60 seconds. The recommendation is to monitor the price and, at the moment it suits you, contact us so we can reserve it. Once reserved, the price becomes fixed and cannot change. Price reservation does not require an advance payment; it is based on your credibility and acceptance of the agreed price. A reserved price can be held until the end of the business day.
If you wish to complete the purchase at the current price but are unable to visit us in person, we can issue a pro forma invoice based on which you can make a payment to our dinar bank account. In this way, you secure the purchase at the price that suits you. After the payment is completed, the product is immediately reserved for you, and you can collect it at a time that is most convenient for you.
NOTE :
If a company offers a discount on the purchase of larger quantities of gold, it is most likely a phenomenon known in economics as dumping.
Dumping is a strategy of aggressive protectionism, where products are sold below their actual value. Companies apply dumping when they want to enter and capture a new market.
The World Trade Organization (WTO) has identified dumping as a harmful practice and has allowed member states to introduce anti-dumping measures as soon as such behavior is detected.
Dumping represents a form of unfair competition and most often ends negatively for the company that implements it.
Accordingly, since gold trading is a two-way process, when it comes time for liquidation of the product, such companies have not proven to be credible partners, as they most often pay below-market prices in order to compensate for losses created through their dumping strategy.
– How do I know that a company is behaving unfairly on the market, i.e. that it is carrying out dumping?
Dear,
If a foreign company is engaging in dumping, it can be most easily identified by comparing the price of a specific product offered by that company in our market with the price in its country of origin.
If the price offered for a specific product in our market is lower than the price in the company’s home country, this indicates an unlawful business practice. Such behavior is unfair toward other market participants and, as such, will be strictly sanctioned.
– What financial amount can I pay in cash?
Dear,
An individual may make cash payments at our cash desk up to a total amount of 1,169,000.00 RSD within a 365-day period. For this method of payment, there are no transaction fees.
Individuals who hold cash in an amount exceeding 1,169,000.00 RSD may make a direct payment to our RSD current account via a bank or a payment institution authorized to perform payment transactions, with mandatory proof of the origin of funds. In this payment method, there is a transaction cost in the form of a payment processing fee.
Individuals who hold funds in a dinar current account may transfer funds via a non-cash transfer from their personal account to our business dinar account. In this case, the transaction cost is minimal and amounts to only a few dozen dinars.
– Should the price of gold in all companies operating on our market be the same?
Dear,
Gold prices vary across different companies. Prices are formed freely and autonomously on the market. They may be similar and are determined exclusively based on the current stock exchange value of gold and premiums for physical delivery of different weight formats.
Premiums are an integral part of the selling price and are independently set by each business entity operating in the market. According to EU regulatory legislation, prices must not be identical.
-Does the reserved price mean that at the moment of the price reservation for a certain product, I purchased it?
Dear,
That is correct. When you reserve the price for a specific product, you have at that moment completed the purchase of the same product. Collection and payment can be carried out simultaneously at an agreed time.
– How long is the price reservation valid for?
The reserved price is valid until the end of the business day. This means that it is necessary to visit us by the end of the working day, make the payment, and collect the product.
If you are unable to visit us on the day of reservation, and the price suits you, you may request a pro forma invoice (payment instruction) based on which you can make a payment to our current account. In this way, you have automatically completed the purchase of the product. The paid product is immediately reserved for you. In this option, you may collect the product on the day that is most convenient for you.
– Why is gold from certain manufacturers cheaper, while from others it is more valuable?
Dear,
The best way to answer this question is through a comparative example of automobile value.
For example, Mercedes is more expensive than other manufacturers in the same class of vehicles and with a similar level of technical equipment, due to the fact that it enjoys greater trust in the global automotive market.
The same applies to precious metals manufacturers. Producers based in the Swiss Confederation enjoy the highest level of trust in the global precious metals market.
Not all products are equally represented, recognized, and valued worldwide.
Heraeus is a prestigious global precious metals producer that holds a leading position worldwide. Heraeus is one of the most widely represented producers across all time zones and continents.
– Why do some companies have lower prices than you?
Dear,
A large number of companies entered the market at the moment when demand for gold was extremely high.
During that period, each company gained the trust of a certain number of clients, regardless of its operating model and business reputation. Once the situation normalized, market conditions changed significantly.
Most investors began selecting companies based on established market reputation, positive feedback from acquaintances, the quality of initial communication, and publicly available financial reports.
New market participants have faced certain challenges caused by a lack of revenue. As a result, some companies have started to struggle in their market positioning. Selling products below acquisition cost has become a clear indicator of such conditions. In addition, there has been an increasing number of requests for buybacks of products purchased from such companies, often due to limited liquidity and significantly lower buyback values.
As a result, a number of dissatisfied clients have appeared on the market.
Therefore, it is very important to choose a credible and secure partner for investing in gold. Investment in gold is a two-way process, which is why the credibility and positive business reputation of the partner are of immeasurable importance.
Considering that we live in a time where data is transparent and publicly available, this is not difficult to verify. One of the basic principles of publicly available financial reporting is precisely to increase investor trust, allowing them to evaluate at any time the business entity with which they plan to establish a potential business relationship.
– Can I cash in the gold bought elsewhere at your place?
Dear,
We only liquidate products that have been purchased through our company.
In this way, we ensure the highest level of liquidity for clients who have placed their trust in us. However, this does not mean that gold purchased from other companies is of lower value.
– How is it that the price of gold does not change for days with some companies?
Dear,
Such companies operate under a so-called contingent sales model. This means that after importing goods, they set product prices and only change them when it is in their interest.
Entrusting your investment to such companies carries risk. With them, you cannot determine an optimal moment for buying or liquidating gold. Such companies represent a poor investment choice.
– How do I pay for gold during Advance Purchase?
Dear,
Payment for this model of purchase is made exclusively to our RSD current account according to the issued dinar payment instruction.
Advance purchase applies in the following situations:
When a disruption occurs in the precious metals market. Such situations are characterized by difficult procurement conditions and limited product availability.
When a specific investment product is not in stock.
When you wish to purchase at a specific price but are unable to visit us on that day.
Under normal conditions, our priority is stock-based sales, which imply simultaneous payment and product collection.
– What kind of guarantee do you give for the money paid?
Dear ,
Payment is made exclusively to our RSD current account.
After receiving the funds on our RSD current account, we will issue and deliver to you a confirmation of received payment to our RSD current account, as well as an advance (e-fiscalized) invoice. The advance invoice may be personalized and may include your identification number – Unique Master Citizen Number.
Considering our organizational structure, the stated confirmation and advance invoice provide the highest level of security for the payer.
In the event that delivery of the paid products becomes impossible for any reason, the funds will be fully refunded to your RSD current account from which the payment was made.
-Is there a price difference between stock (on-hand) purchases and advance purchases?
Dear,
Prices are identical for both purchase methods. In the event of market disruptions and limited product availability, priority is given to advance purchases.
In such conditions, stock-based purchases are often very difficult to execute.
-How do I pay for gold when buying (available)?
Dear,
Payment is made either cashless (via e-banking using a mobile phone or computer), or in cash through a direct deposit to our RSD current account. This payment method is carried out through authorized financial institutions for payment transactions (banks, post offices, or licensed payment institutions).
– Is there a limit to how much gold one individual can buy?
Dear,
There are no regulatory restrictions determining how much gold an individual may purchase or own. Regulatory limitations apply only to the method of payment. When payment is made to our RSD current account, there are no regulatory restrictions, and the amount may correspond to the available funds.
For cash payments, there is a regulatory limit: an individual may make cash payments at our cash desk up to a total amount of 1,169,000.00 RSD within a 365-day period.
– Can another person purchase gold for me?
Dear,
Another person cannot make a purchase for you. The payer of the product is always the acquirer (owner) of it.
– Can I pay for investment gold with a card?
Dear,
It is not possible to pay with payment cards. The reason for such a decision is that the costs of payment transactions carried out in this way are greater for the recipient of the money than the profit margin of the same.
– How long has your company existed?
Dear,
We were founded on September 19, 2012. as a family company with the highest level of responsibility.
Through a credible performance on the market, we concluded that the economic activity we perform requires the highest level of responsibility for the founders and for all employees. Accordingly, our organizational form remained unchanged.
Thanks to the credible performance on the market, professional management, your trust, the trust of the world’s strongest brand for the production of precious metals, we are at the very top of Europe when it comes to the distribution of precious metals.
– Can the gold I bought from you be cashed by other persons?
Dear,
Family members (first line of inheritance) may liquidate products purchased through our company using the documentation issued and received at the time of purchase.
For higher financial values (over 1,169,000 RSD), a Special Power of Attorney for the liquidation of precious metals is required, or alternatively a Gift Agreement or a Inheritance Decision proving the origin of the assets subject to liquidation. All mentioned documents must be legally certified by a public notary.
Third parties may also perform liquidation in cases of gifted assets of lower financial value (a certificate is required).
For significant financial values of 5,000 EUR and above, third parties must provide a notarized Special Power of Attorney, Purchase Agreement, Gift Agreement, or other document confirming the legal relationship between you and the person performing the liquidation, also certified by a public notary.
In this way, we protect your assets from any unlawful disposal. The authorization is a legal document confirming your consent for an authorized person to liquidate the products of which you are the payer and owner.
For third parties, a tax obligation may arise in the form of a transfer tax (if they are not in the first line of inheritance).
– Do you provide a service for storing gold that was bought from you?
Dear,
We do not provide gold storage services. Gold is an asset that is resistant to various socio-economic disruptions, and as such, it should remain close to you in times of crisis.
For safekeeping under normal circumstances, we recommend bank safety deposit boxes. In crisis situations, we recommend other storage methods that you consider secure, as access to bank vaults may be limited in such conditions.
-Is an announcement required to buyback products purchased from you?
We cash out all products purchased from us immediately without delay or waiting. Announcement of cashing in is required only for the largest financial requests (one day before).
– What is the difference between the sale price and the purchase price?
Dear,
For gold bars weighing from 1 to 100 grams, the effective difference between the selling and buyback value ranges from 2% to 3%.
During periods of strong fluctuations in gold prices, this percentage may increase and reach up to 3%. This typically occurs on days when the gold price shows extremely dynamic movements, with intraday oscillations of several percent.
Accordingly, it is essentially equivalent which product you purchase. Smaller-weight products are more expensive at purchase, but for the same amount they retain higher value at the time of liquidation.
A 2–3% spread between selling and buyback prices indicates products with the highest level of liquidity. Products in the 1–100 gram range belong to the PREMIUM liquidity category.
– At what price will I be able to liquidate investment gold if the value of gold drastically increases (two or three times) on the global market (stock exchange)?
Dear,
In the event of such a movement in the value of gold, you will liquidate investment formats from 1 to 100 grams at a price that is 2.5% to 3% lower than the current selling price.
Essentially, the selling and buyback prices are maintained within a guaranteed range of 2.5% to 3%, which is a constant.
– Why is there a greater difference of 2.5% between the Sale and Purchase value of the heaviest gold bars?
Dear,
Larger weight products (1000g, 500g, and 250g) are less liquid on the domestic market compared to products in the 1–100 gram range. When we liquidate these products, they are most often exported and settled directly with the manufacturer.
This business process generates additional costs (geographical-related costs), which include logistics, transportation, and mandatory insurance expenses. Accordingly, the difference between selling and buyback prices is higher for these products.
– Why is there a significantly smaller difference between the purchase and sale value at your place compared to other investment centers?
Dear,
The difference between these two values is determined by two factors:
Product liquidity
The distributor’s business reputation
A positive business reputation of a distributor implies guaranteed liquidation of all products sold to clients in the past, under the best market conditions.
– When buying investment gold, should I only look at the selling price?
Dear,
Our recommendation is to observe both the buyback and selling values with equal attention. The best solution is always to place your trust in a distributor that maintains an optimal relationship between these two values.
The optimal spread (difference) between these two values ranges from 2% to 3%. This range should be guaranteed by the precious metals distributor. If a company offers a smaller spread than this, without it being guaranteed, it is a clear indication that something is not in order. This is because a smaller spread is not sustainable due to the daily volatility of gold prices, which can fluctuate by up to 2% within a single day.
An unrealistically small price spread is most often offered by companies that are new to the market and have very few buyback requests. This can often be observed in companies originating from third countries, where the spread in their home markets is 4% to 5%, while on our market it is as low as 1.5%. In many cases, such companies also apply lower selling prices in our market than in their home markets, which is a form of dumping strategy that is strictly prohibited and unsustainable.
– From your experience, what are the most common mistakes investors make
Dear,
Through our daily interaction with clients, we have identified the following as the most common mistakes investors make:
It is not uncommon for younger and middle-aged investors to purchase gold and then sell it after only a few months. In most cases, this results in an investment loss.
Our business practice is to inform every client, before establishing an initial business relationship, that the investment time horizon is extremely important. The longer the period during which there is no intention to liquidate the purchased products, the more effective the investment becomes.
Another common mistake we have identified is that some clients choose to buy gold from companies offering slightly lower prices.
However, such companies often do not provide favorable buyback prices.
These investors later come to us requesting that we repurchase their products. In accordance with our internal policy of buying back only products purchased from us, we are unable to fulfill such requests. Therefore, we believe it is essential to analyze the entire investment process before making a purchase. If all conditions are not transparent and guaranteed, the choice of company may prove to be the wrong one.
– How do you operate during crisis situations? Do you continue doing business under such circumstances?
Dear,
In the recent past, we have experienced two such situations.
The first was the outbreak of COVID-19, which created uncertainty throughout the world.
Manufacturers suspended production processes in order to protect the most important business resource — the health of their employees.
We continued our business activities according to scheduled time slots during periods when movement was permitted, due to the state of emergency that was in effect.
The buyback of products functioned without interruption. At all times, we remained available to our clients. A shortage of products appeared on the market because refineries and mints were not operating, making procurement impossible. However, the situation normalized after approximately one month.
The second situation was the Russia–Ukraine conflict. With the outbreak of the conflict, production processes were not suspended, but demand increased by an incredible 1000%. As a result, the production capacities of the mints became insufficient.
In such circumstances, only certain investment product formats were available for purchase. These could only be ordered through advance payment to our company bank account, with guaranteed delivery within seven business days. Scheduled deliveries functioned flawlessly and without delays. Product buybacks were also carried out immediately upon client request during this period as well.
– Can I make a profit from gold?
Dear,
The primary functional value of gold is to preserve the purchasing power of money. Nominally, one may speak of profit, but in essence, it is about protecting the purchasing value of money. Over time, the increase in the value of gold offsets inflation. As a rule, gold tends to rise more strongly than inflation.
When inflation becomes more intense than the growth in gold prices, it is usually a signal that something is not functioning properly in the global economy. In such situations, further progressive growth in the value of gold can be expected in the future.
When the value of gold rises significantly, as it did in 2024 and 2025, when gold prices increased by 90%, gold brought substantial profits to investors.
– When is the best time to buy gold?
Dear,
The best time to buy gold is when you have available capital that you do not plan to use for business or other purposes over the next several years.
For example, if in 2025 we observe the movement of gold prices from 2021, we can conclude that any moment in 2021 was a good time to buy compared to the value of gold in 2025.
-Can I make a profit by investing in gold for one year?
Dear,
If you plan to buy gold and liquidate it within a period shorter than 12 months, we advise against doing so.
Such an approach may result in an investment loss. Therefore, it is better to postpone the purchase until a moment when the investment horizon can be longer-term.
There are periods when the value of gold rises significantly, making investment in gold profitable even over shorter timeframes. This occurred during 2024 and 2025, when gold prices were increasing on a daily basis.
-When do investors buy gold the most?
Dear,
Investment gold is best purchased under normal market conditions.
These are circumstances in which there are no global social or economic disruptions affecting the progressive movement (growth) of gold prices.
However, investor interest tends to increase significantly when the value of gold rises sharply. When gold prices experience negative movement, only a very small number of investors decide to purchase the world’s most valuable precious metal.
In such situations, investors often wait for what they believe will be an even better moment to buy. In most cases, that decision proves to be the wrong one.
-I live and work abroad. Is it better to buy gold abroad or in Serbia?
Dear,
If you plan for your business and personal interests to remain permanently abroad, it makes sense to purchase gold abroad.
However, if you plan for the center of your personal and business interests to be in the Republic of Serbia in the future, the purchase should be made in Serbia.
-Is it better to buy one hundred (100) 1-gram bars, or one 100-gram gold bar?
Dear,
Investing in gold provides two key benefits:
Protection of life and basic existence in the event of unexpected social or economic disruptions. With one gram of gold, a family of four can survive for one week.
Protection of the purchasing power of financial capital (money).
If the first benefit is your priority, then purchasing one hundred (100) 1-gram bars is certainly the better solution.
If the goal is to preserve the purchasing power of financial capital, then buying a 100-gram gold bar is the better option.
Therefore, purchasing one hundred 1-gram bars also protects the purchasing value of money. However, this option requires a larger financial outlay, while at the same time giving you ownership of more valuable assets.
-Do individuals pay any tax when purchasing or liquidating investment gold?
Dear,
Investment gold is exempt from all types of taxes, both at the time of purchase and at the time of liquidation.
-Can legal entities purchase investment gold, and do they pay any taxes?
Dear,
Legal entities often purchase investment gold as an instrument for protecting business capital reserves.
The difference realized between the selling price and the purchase price is included in the company’s overall business profit and is taxed in accordance with the Corporate Income Tax Law. The applicable tax rate is 15%.
-Does the purchase of investment gold by a legal entity count as an expense, and does it reduce the company’s taxable profit?
Dear,
By purchasing investment gold, one form of assets (money) is converted into another form of assets (investment gold), which is recorded in the company’s accounting documentation through appropriate bookkeeping entries.
Such an investment is not considered a business expense for a legal entity that does not trade in investment gold, and therefore it does not reduce the company’s taxable profit.
Dear,
Gold purchased and paid for by a legal entity (company) belongs to and remains the property of that legal entity.
In the event of the liquidation of the legal entity, and after all tax obligations have been settled, the gold will pass into the ownership of the founder (owner) of the company.
– At what value should gold be reported in the financial statements of a legal entity?
Dear,
The value of purchased gold in the financial statements should be reported either at the invoice (purchase) value or at the net selling value, depending on which of the two values is lower on the date the financial statements are prepared.
-Does the purchase of investment gold affect the profitability of a legal entity?
Dear,
The purchase of investment gold by a legal entity may be treated as a long-term financial investment from which a positive return is expected in the future.
Nominally, we may speak of an increase in the profitability of the legal entity (provided that the market value of gold increases).
In essence, gold within the asset portfolio of a legal entity protects business capital accumulation against inflation.
Legal entities that purchase investment gold and hold it over a longer period of time will certainly increase their profitability.
There are also periods when the value of gold rises significantly within a short timeframe. Such a phenomenon occurred in 2024, when the value of gold increased by 40%.
Legal entities that purchased gold at the beginning of 2024 increased the profitability of the financial segment invested in gold by 37%. During that year, investment in gold proved to be highly profitable even as a short-term investment. A similar trend has continued during the first quarter of 2025.
We would also like to emphasize that legal entities should invest in investment gold only with business capital that will not be needed for short-term operational activities.
– Who can liquidate the gold purchased by a legal entity?
Dear,
When we receive a request for the liquidation of products purchased from us by a legal entity, the request will be processed immediately.
Payment will be made from our company’s dinar bank account to the dinar bank account of the legal entity.
The presence of the legal representative of the legal entity is required in order for the accompanying documentation to be signed and verified accordingly.
Dear Visitors,
For any additional questions, we remain at your disposal.
