INVESTMENT GOLD

WHAT IS THE FUNCTIONAL VALUE OF INVESTMENT GOLD?

Investment gold is most simply defined as pure gold.
Investment gold products have a guaranteed fineness of 995/1000 or higher.
Some countries have introduced a standard that defines a minimum accepted weight of 1 gram.
Our country has not defined such a limitation, which means that investment products can also have a weight of less than one gram.
Investment gold is available for purchase in the form of gold bars and gold coins.

Gold bars are produced under highly standardized industrial conditions.
The guaranteed purity of gold bars is 999.9.
Certain refineries produce bars with a purity of 995/1000.Products from such refineries are less valued globally.
Gold coins with investment status most often have a purity ranging from 995 to 999.9/1000.

Fineness (purity) of a gold product represents the share of pure gold within the product itself.
It is most often expressed as a percentage.
Products with a fineness of 999.9 contain 99.9% pure gold.

For example, a gold bar weighing 1000 grams with a purity of 999.9 contains 999.9 grams of pure gold.

Investment gold is produced in only a few refineries located in different parts of the world. The most prestigious gold manufacturers are based in Switzerland.
The most prestigious manufacturers operate within the German business group Heraeus, which also owns the Swiss-based Argor-Heraeus. In addition to the Heraeus group, an important position in the precious metals market is held by Swiss manufacturers Valcambi and PAMP.

Products from these manufacturers are equally valued on the global precious metals market. Swiss manufacturers enjoy the highest level of trust and the strongest reputation worldwide.

These manufacturers are included on the Good delivery list, which guarantees the authenticity, purity, and weight of all products.The primary functional value of investment gold is the protection of money against inflation. Due to the limited availability of gold in nature and the increasing demand for it, demand significantly exceeds supply. This leads to a continuous increase in the value of gold over time. Through this increase in value, gold protects money from depreciation.Historically, there have been periods when gold did not keep pace with inflation, but such periods are very short and quickly pass.

Why is investment gold the best investment instrument?

Investment gold is the only product that protects your economy and your money, that is, the purchasing power of your money.
Investment gold is the only product whose value is known at every second of the day, unlike other forms of assets such as real estate, land, companies, and others, whose current value is either unknown or requires time to determine.
Investment gold is the most convertible currency in the world (characterized by easy exchange into any other currency).
Investment gold is the most liquid investment instrument.
Investment gold is indestructible, divisible, and easy to transport.
Investment gold is suitable for storage and occupies less space than money.
Investment gold has intrinsic value.
Investment gold is exempt from VAT (VAT = 0%).

WHY INVEST IN GOLD?

Gold is invested in for several reasons: due to its independence from economic and political factors, as well as its security and stability.
It is also valued for its LIQUIDITY. As a means of preserving wealth and purchasing power, gold is often the foundation of any solid investment plan.
Purchasing investment gold represents one of the safest long-term investments. Investing in investment gold over a short period may result in smaller losses.
When purchasing investment gold, it is important to understand that the price per gram decreases proportionally with the size of the product being purchased.
This means that the price per gram of pure gold is lower in larger bars, and higher in bars of smaller weights.

WHEN TO BUY INVESTMENT GOLD?

A common question is: “When is the right time to buy investment gold?”

Investing in investment gold belongs to the category of the safest long-term investments.

Why is that so?

The primary functional value of investment gold is to preserve the purchasing power of money. Gold protects the value of money through the growth of its own value, which is higher than the inflation rate over a given period.
The best answer to this frequently asked question is obtained by analyzing relevant facts related to the movement of gold prices over the past two decades.
One ounce of gold was worth 400 US dollars in 2001, around 800 USD in 2008, 1,800 USD in 2020, and today, in 2024, the value of one ounce amounts to 2,400 USD.

Based on the above, it can be concluded that the value of gold shows continuous progression over a longer period of time.
In shorter time frames, there are intervals in which the value of gold records negative movement. Accordingly, investing in gold over a short period carries a certain level of risk, which may result in an investment loss.

In the previous period, investing in gold has proven to be a good short-term and medium-term investment. The value of gold has provided significant returns to investors who invested over a two-year period. From 2018 to 2020, the value of gold increased by an impressive 40%. From 2020 to 2024, it increased by an additional 70%. Essentially, this means that the value of gold increased by 110% over six years source goldprice.org).

Gold is best purchased when you have available (unallocated) capital.
One thing is certain — money invested in investment gold will not lose its value.

Gold is purchased under normal circumstances. It has proven to be an excellent investment tool for diversifying capital risk. When reducing the risk of accumulated capital, it is advisable to invest in several different asset categories. A portion of funds should обязательно be allocated to investment gold. This portion of capital is highly liquid and can be viewed as effective cash that is available for use at any time. To use the funds held in investment gold, only the investor’s decision to convert it into cash is required. The liquidation of investment gold is not a process, but a transaction that is executed automatically.
During periods of crisis, recession, and other unforeseen events, gold is almost impossible to purchase.
In such situations, demand is usually at its highest, but purchasing becomes unavailable.
For this reason, we believe that buying gold is best done under normal conditions.

The value of gold during periods of recession, crisis, and similar disruptions reacts progressively and records strong growth.

During the global recession (2008–2011), the value of gold increased by 280%. After the end of that period, the value stabilized but remained approximately 200% higher.

INVESTMENT GOLD – FOR THE PROTECTION OF LIVELIHOOD

In addition to its primary functional value, investment gold also has an additional function, designed to protect basic living security. This is reflected through the high flexibility of the products we hold. Flexibility is at its highest when we own gold bars of smaller weights.

Recognizing investor demands, precious metal manufacturers have made divisible gold bars available on the market.
These consist of multiple connected or separated gold tablets of 1 gram each. Each tablet bears stamped elements, including the manufacturer’s name and a fineness of 999.9.

Divisible gold bars such as Multicard 10 × 1 g and 20 × 1 g represent bars containing ten 1 g tablets and twenty 1 g tablets respectively.
These investment bars are considered very good for two reasons:
First, because the price per gram of pure gold in them is significantly lower than the price per gram in a single 1 g tablet.
Second, because they are divisible into multiple parts, which is a particular advantage in case of sale
(it is not necessary to sell the entire bar, only a part of it can be sold).

The CombiBar 50 × 1 g divisible gold bar represents a bar consisting of 50 connected 1 g tablets.
This investment bar is considered very good, as the price per gram of pure gold in it is only slightly higher compared to the price per gram in a 50 g investment bar.
The key advantage of the CombiBar 50 × 1 g is its divisibility.

DIVISIBLE GOLD BARS – COMBIBAR

– consist of multiple 1 g bars joined into a single unit. Each 1 g bars can be separated from the rest of the product.
These units are intended for investors who prioritize practicality. The bars are packaged in credit card–sized packaging, which provides a special advantage for storage.
COMBIBAR units most commonly appear in the following formats:
– 20 x 1 g
– 50 x 1 g
– 100 x 1 g

 

The functional value of divisible gold bars branded by manufacturers as MULTICARD and COMBIBAR is the same as that of standard non-divisible gold bars.
Their additional functional advantage lies in the ability to separately divide each individual gram from the rest of the bar, as well as the possibility of selling or liquidating the gold in smaller segments.
Divisible gold bars are especially practical in cases of extreme disruptions such as wars, monetary instability, and similar situations.
A certain number of investors focus their investment preference exclusively on these investment formats.

PRICE AT WHICH GOLD FROM DIVISIBLE GOLD BARS IS BOUGHT BACK

When the functionality of the product is compromised, that is, when it is opened, each gram of gold is bought back at the SPOT price formed on the global market at the moment of the transaction.
If the packaging remains intact, which is most often the case, divisible gold bars are bought back at the prices displayed on our digital platform.

RECOMMENDED INVESTMENT UNITS

A certain number of investors prefer exclusively non-divisible gold bars.
If you belong to this category of investors and wish your investment to amount to a few thousand euros, then gold bars of 5 grams, 10 grams, and 20 grams are the most suitable choice.

If you wish to invest a medium amount of money, the best choice for your investment are gold bars of one ounce (31.104 grams), 50 grams, and 100 grams.

FORMING AN INVESTMENT PORTFOLIO

If you belong to the category of large investors, gold bars of 100 grams should be at the center of your interest.
A 100-gram gold bar has a well-balanced ratio of price, practicality, and liquidity.
It is available in two official forms:

– Minted (with precise edges and clearly visible security features)

– Cast (with irregular edges and less defined security features compared to the minted unit)

Another investment format is intended for large investors.
A 250-gram gold bar occupies a significant place in the investment portfolio of large investors.

It is intended for the allocation of large financial amounts. This bar represents a marginal investment format when it comes to liquidity.

During periods of extreme events, such as the 2020 pandemic, we identified difficulties in selling (realizing value from) 500-gram and 1000-gram formats.

REASON: Refineries suspended their operations, borders were closed, etc.

Accordingly, we do not recommend these two investment formats even for the largest investors, and we do not guarantee their sale (realization of value) during periods of extreme market disruptions.

Structure of a gold portfolio

The structure of an investment portfolio differs from investor to investor.
It is largely determined by the amount of money being invested.
There are three key factors that influence an investor’s decision-making when designing the structure of an investment portfolio:
1.The price per gram of gold in different investment units
2.Liquidity
3.Divisibility
Accordingly, it is not uncommon for investors to choose to include both the smallest and the largest units in their portfolio, including divisible gold bars.

SALE OF INVESTMENT GOLD

The sale of investment gold is conducted in a similar manner as in European Union countries.
Investment products available for immediate purchase are bought at prices formed on our information platform, updated every minute in real time.

You determine the moment when you wish to make a purchase. It is necessary to fix the price and reserve the investment format you want to buy.

When we receive your request for the sale (realization) of a specific investment format, we execute it immediately. In other words, your assets invested in investment gold are always liquid and available to you.

Price fixation and reservation of any investment format can be carried out by phone or electronically via email at zlataregold@gmail.com

Once the price for a specific investment product is fixed, the fixed value (price) becomes a NON-CHANGEABLE VALUE for both the buyer and the seller, regardless of any subsequent changes in value.

In other words, at the moment the price is fixed, the purchase of gold is considered completed.
Delivery and payment can be carried out immediately or at a later date, depending on product availability.

If your request relates to the allocation of a larger amount of financial capital into investment gold, we carry out the import according to your
individual request. For the realization of such a request, it is necessary to visit us at our business premises located
at Gospodara Vučića 1B, Vračar, 11000 Belgrade.