Why is there a huge difference in the price among these two metals?

• Silver and gold are extracted from the earth’s crust in the ratio of 15:1. This ratio helps us understand the supply availability which in turn influences the price of the metal. 
• About 250 grams of silver is extracted for every 28 grams (One ounce) of gold.
• Gold is known for its illuminating form which makes it perfect for ornaments. 
• Silver is less used as an ornament and is widely used in industries and for gold, it is vice versa.

Let us now learn some facts about silver which make it a good choice for investment.

• It comes in more quantity and any increase in value will give us more returns.
• Silver is known for its anti-germ, anti-bacterial properties and is extensively used in dental and medical industry.
• Silver has a lot of industrial values along with its aroma to wear as an ornament.
• Silver is a good conductor of electricity and is being used in many electronic appliances like refrigerators, mobile phones, vacuum cleaners, computers etc.
• Also used as a main component in film cameras.
• Silver being the best conductor of electricity is a good replacement for copper.
• Now, there are less silver mines and silver is majorly made as a by-product of lead, zinc and gold mining which makes it a better investment opportunity as the supply may go down and demand may sharply rise.
• Similar to gold, silver is non-corroding and can be utilized in submerged instruments.
• Also used for the mirror as it has best reflector properties.

Advantages of Silver:

• Similar to gold, it has high liquidity.
• Silver coins are the best gifts for any occasion.
• Most people use silver god idols at home and they offer silver as a ritual during festivals.
• It is globally accepted in place of currency.
• Its value is not impacted by inflation.
• It is widely used in industrial production, unlike gold.
• Has more potential to increase in price because of its vast usage and less supply.
• Can be purchased in lower denominations and informs of coins and bars.
• Silver is also available as an Exchange-traded fund (ETF).
• Silver is widely traded in commodities in stock exchange.

Disadvantages:

• Comes in bulk quantity and storage can be a challenge if bought physically.
• Not very acclaimed as an ornament.
• Mostly have a wavy graph in prices and has not shown many sharp spikes.

These are some of our observations and we hope you find this helpful. Happy investing!! 

As mentioned, there are diverse ways of investing and the most popular ways are fixed deposits, lands, gold investments, retirement plans, mutual funds, equities, debentures and many more. To be precise, it is not guaranteed that all investments will definitely accrue profits for us in the future. Some may decline in their value like investments in gold, equity etc.

We will list down some of the available choices are they are not arranged in any particular order.

Public Provident Funds: PPF’s are on a rise now for the benefits it offers. PPF’s are risk free and tax free. If you are planning for a long term investment, PPF would be a better choice. It comes with compounded interest which will eventually provide higher returns at a later point in time. The only limitation is that the funds are locked for certain period of time.

Investing in Land:  Land investments are quite attractive for the returns it offers in short amount of time. It has mostly seen the upward trajectory. However, there are downfalls due to socio-political issues and other local constraints. It is risky and we cannot be assured of the value it may derive after some time. We should be very careful in land investments and it is recommended to invest in less dense areas to attract more profits after later years.

Equities: Equities make a good investment choice as long as we evaluate and choose the right company shares. There are times when people made 100 to 1000% profits in about 2 years or more based on the company performance. However, it is highly risky and choosing the wrong share may lose the entire amount you have invested.

Fixed Deposits: If you are planning for guaranteed income at later stages of your life. It is good to opt for long term fixed deposits which give you constant interest rate for deposit period. Fixed deposits are zero risk plans. However, we should be mindful in choosing banks.

Mutual Funds: Mutual funds provide a balanced approach to risk and returns and are usually practiced through systematic investment plans. Even mutual funds can be categorized as medium risk plans.

Investment in bonds:  You may also consider investing in bonds which is better than equities and unit-linked plans where you would get a standard rate of interest after the completion of the term.

Gold Investments: Now a days, many people purchase gold as a future reserve as gold has shown a rise in value overtime and it is not influenced by market conditions like inflation. ETF’s also have become dearer to people which is backed by 99.6% pure gold.

These are some of the investment choices which range from low to high risk and you may choose the appropriate one depending on your risk aversion.

It adds charm on both males and females (Not to forget, quantity and designs matter!!).  Not too long ago, gold was mostly known to be used as an ornament to adorn a person. However, few people realized the potential of gold and started investing in it wisely and they not just invested in ornaments but they used to purchase gold in the form of bars or coins to reserve them for future.

Let us now know what benefits us the most. As all the things in the world have pros and cons, purchasing gold in either form have their own advantages and disadvantages.   

Purchasing gold as a Gold Coin: These days, many people have inclined to purchase gold coins as a form of investment and there are many reasons for this. Some of the top reasons are listed below:

• Gold shows a lot of fluctuation in prices in a very short amount of time which makes it a good bid for investment. And Gold coins or bars allow it for a bulk purchase.
• It acts as a reserve for future events (It may be for marriage or any big events).
• It has high liquidity rate.

Advantages:

• It comes in pure form and almost has no wastage.
• It makes it easier to purchase in higher quantities.
• If the gold is taken as an investment, then there will be no making charges or design charges which will usually be applied on gold ornaments.

Disadvantages:

• It comes at a premium price of 5 – 10 % and will mostly be sold at a discounted price of 5 – 10 %.
• Tax will be applicable for short term or long term returns as appropriate. 
• Conversion of gold coin to an ornament attracts labour charges for the design.

Purchasing Gold as an Ornament: Unlike gold coins, gold ornaments need not sit in your locker. They can embrace your beauty with their presence while still being an investment. We have listed some of the reasons on why you should choose gold ornaments than any other form.

• Gold ornaments can make you look prestigious in the society.
• It offers ready to wear collections for any immediate events.

Advantages:

• Exchanging the ornament with the other design does not charge you a lot.
• Comes in different designs and qualities and can also accompany other souvenirs like diamond, platinum etc.

Disadvantages:

• Dissolving the design or remaking the design will attract a lot of wastage and accompanies labour charges as well.
• Does not come in its pure form and is mostly mixed with other metals to keep the ornament strong.
• Usually, the sale of the ornament will deduct the making value or the design value.

We hope you found the information to be helpful and will make the best choice based on your investment needs. 

Variety of choices for Customized gold coins

Do you know there are varieties of choices available to personalize the gold coins? There are designs that involve intricate patterns and extreme preciseness that gives an exquisite appeal. If you are looking for a perfect custom coin, you may get confused with the different choices available. Should you go with the contemporary glossy ones or the antique lacquer coated ones? Both are great and it is up to you to select the best one considering the likes and dislikes of the receiver.

Get a decent one for your tight budget!

Are you on a tight budget? You will get a decent quality of customized gold coins for your tight budget. You can get excellent quality and the finest collection of coins with excellent craftsmanship. The quality of gold is slightly adjusted as per the customization and the price. If you cannot afford too much on gold, you can also prefer silver coins which can also be customized and can suit your budget.

Special Occasions and different types of custom coins

Military/challenge/unit coins

The military and armed forces need customer coins for different award ceremonies across the world. Military personnel are award with gold coins as rewards for their extraordinary support and contribution. These coins are also referred as military coins, challenge coins or unit coins which are a symbol of martial pride and respect.

These customized coins are common in the Air force, Navy, coast guard, Marine Corps, Army and other troops. These coins represent the bravery and the pride of the personnel so they are designed with care.

Wedding coins for special weddings

Custom wedding coins have been a tradition since ages! Wedding coins are less expensive than the other ones and there are different customizable options to make it unique. This is a special gift that you can give for someone special and of course, you will be appreciated for the hard work you have taken to find a beautiful gift. Along with that, your loved ones will feel special for the expenditure you have put it to make their gift extraordinary.

Business coins

Business meetings, charity programs, private ceremony or any non-profitable gatherings, the custom coins can be used for any such events.  If you are looking to grab the attention of a client or customer, you can make use of the customized gold coins as a gifting solution to grab their attention. Personalized logos and company name can also be embossed on gold coins which work as the best marketing or advertising medium.

Customized gold coins make the best gift both in the personal and professional way so, next time when you are looking for a unique gift, do not forget the customized gold coins!

We even own precious pieces of jewellery that has been passed on to us from generations. We have festivals like Dhanteras when buying gold is considered auspicious. Moreover, gold is a liquid asset which means that you can easily sell it and encash anytime you want. Now that you have decided to buy Gold, let us explore various options that you can invest in gold.

Gold Exchange Traded Funds (ETFs)

Investing in Gold ETFs right can make you rich. Gold ETFs are basically open-ended mutual fund schemes. These schemes invest the money collected from investors in standard gold bullion (0.995 purity). You can say that these schemes are designed to keep a close track of returns from physical gold in the spot market. If you decide to invest in Gold ETF, you buy and redeem the units either directly from the mutual fund or from the stock exchange.

Physical Gold (Gold Coins and Jewellery)

Probably the simplest way of investing. You can buy gold coins, jewellery, or other ornaments and keep them with you physically. You can even buy gold bars if you are thinking of investing big. One thing that cannot be denied is that nothing can give you the security and assurance of owning physical gold. Physical gold is ideally suited to investors who are looking for a mid to long term investment. It acts as a security of their savings against unpredictable changes in the economic climate. Moreover, it will always have a value. It can increase or decrease over time, but it will never lose its value completely. A precaution here to take is, before buying gold coins or bars; you should check the quality and reputation of the seller from whom you are buying it. If you’re wondering where are you going to put all that physical gold, here are some ideas:
Private storage of gold, e.g., at home
Storage of gold in safe deposit boxes
Storage of gold in professional vaults
Bank lockers

Gold Mutual Funds (GMFs)

Some people might be hesitant in investing in physical gold for many reasons. It can be their paranoia or they may not have safe space to keep their precious investment. For such people, investing in Gold mutual funds is a reasonable idea. Mutual funds invest in Gold ETFs on behalf of you. The difference between Gold Mutual Funds and Gold ETFs is that you need to open demat account and pay broking charges for Gold ETFs. In GMFs you just have to bear the additional charges charged by the Gold Fund of Fund. If you are thinking of buying less quantity, gold mutual funds is a good idea, otherwise ETFs are good as you can negotiate for lesser brokerage charges from your stock broker.

Now that you know about the most common ways of investing in gold, what are you waiting for? Go for any way from the above mentioned directions and start investing! Also, don’t forget t consult all the options with your family as it is considered auspicious to involve family in Gold matters. Afterall, gold is not just an asset, it’s a shiny feeling.

According to you investing in them is the best and safest way to preserve and earn money. Right?

Do you know there is an alternative to preserve-protect and earn money, which is safer too??

Yes, there is!!

Metals like gold, silver or any other precious metal, have real value. Unlike stocks and shares the market value of precious metals has never-ever gone to ‘Zero’ and it is impossible to believe that in future they will ever lose their value, precious metals are very limited on earth chances are very rare. Having gold or silver in your safe lock or secure deposit is better than having a piece paper that has the detailed information of number of shares or property you have. Metals (gold, silver coins) are liquidable too, you can carry them with you and buy things easily in exchange of gold or silver.You can also make huge profits by investing in precious metals (gold, silver).

Purchasing coins of Gold and Silver are practical and convenient way to own gold and silver. As every one cannot afford to buy or store bars or bricks of gold and silver. Coins of gold and silver, is the right way to go and start your investment.

These precious metals are real assets that safeguard us against the declining economy. Days even when the economy is falling down, the gold or other valuable metal in your locker or secure deposit will make you shine!!

by Kundan