QUICK GUIDE TO
INVESTING
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STEP 1:
WHY BUY PHYSICAL GOLD AND SILVER? TOP REASONS TO INVEST IN PHYSICAL METALS 1. 2. 3. 4.
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Precious Metals provide stability during volatile times They help you protect what you have Metals are a top performing asset class – just behind real estate Precious Metals hold their value and protect your future
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STABILITY IN VOLATILITY If you are concerned about the volatility of the stock market, you’re not alone. The extreme highs and lows of the stock market often lead investors towards safe-haven assets, like bullion. Historically, the Precious Metals market has an inverse relationship with the stock market, meaning that when stocks are up, bullion is down and vice versa. This inverse correlation holds firm even when the stock market has crashed. Though Gold and Silver don’t automatically rise with every fall in the stock market, history points to bullion as a hedge during stock market declines. Bullion allows you to be prepared for such catastrophes, providing you with a hedge against economic uncertainty.
The Rise and Fall of the U.S. Dollar Purchasing Power of the U.S. Dollar (1913-2019)
$100
FED IS CREATED U.S. RECESSION PERIODS
$90 $80
WALL STREET CRASH
$70 $60 $50
BRETTON WOODS AGREEMENT
$40 $30
OIL CRISIS
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$10
TRUMP TAX CUTS DOTCOM BUBBLE LEHMAN BROTHERS COLAPSE & QE
$0
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LONGEST U.S. EXPANSION
1973 1983 1993 2003 2013 2019
If you are concerned about the volatility of the stock market, you’re not alone. The extreme highs and lows of the stock market often lead investors towards safe-haven assets, like bullion. “we can see how inflation and changes in the Consumer Price Index have decreased the dollar’s purchasing power over the last century.” Source: howmuch.net 4
PROTECT YOUR INVESTMENTS One of bullion’s strongest benefits is that it can protect your investments. Periods of economic, monetary, or geopolitical crises can wreak havoc on your portfolio. Bullion can allow you to use your investments in Gold and Silver as both a defensive tool against uncertainty and an offensive profit when other investments fall. Bullion is typically referred to in terms of defense because of its historical staying power; however, Gold and Silver can also be used as offensive strategies when building wealth, because they offer substantial profit potential. When the world experiences unrest, and the market falls into crisis – putting our economic, fiscal and monetary systems at risk – bullion benefits. Investors look to Gold and Silver as safe-havens when fear stokes the market. The higher the apprehension, the higher the demand for safe-haven assets, which results in Gold and Silver prices. With elevated risks on multiple fronts, Gold and Silver can offer a lowrisk, high-reward investment option.
A Shield for all Financial Conditions: Gold Often considered a hedge against financial collapse, gold is a financial armor that can shield investors from uncertainty and instability. Tonnes
Amid the economic turbulence of 2020, Gold ETFs saw record highs in inflows and assets under management.
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Gold ETF Flow (Tonnes)
Metals hold value over time and provide wealth that can be securely passed down to future generations. Source: Visualcapitalist.com
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TOP PERFORMING ASSET CLASS Though Gold is no longer used as currency in the modern world, the Precious Metal has been a store of value for at least 3,000 years. Gold has been the second-best performing asset class since 2000, with annualized returns at nearly 8%, second only to real estate investment trusts with returns at 10%. Because the global supply is relatively finite, Gold’s purchasing power has historically remained stable during inflationary times. Silver is also no stranger to longstanding value. Silver has been considered a precious element for over 6000 years. It was first used as a currency in 700 B.C. and has had a role in trading in nearly every ancient and modern culture. Many find comfort in knowing that Gold and Silver have been recognized for their value throughout a great deal of history.
Asset Class Performance $1,000 $900 $800
$100 invested in 2000 $761
$700
$646
$600 $500 $400
$336
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$284
$200 $156
$100 $0
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
Large Cap Stocks
Real Estate
High Grade Bond
Gold
Consumer Price Index
Metals hold value over time and provide wealth that can be securely passed down to future generations. Source: OneGold.com 6
SUPPLY AND DEMAND Since the 1990s, much of Gold’s supply in the market has come from Gold bullion sales from global central banks’ vaults. Because of the market crash in 2008, the rate at which global central banks sold Gold slowed. The decrease of sales from global central banks, coupled with the declining production beginning in 2000, increased the Precious Metal’s price. As a general rule, a reduction in the supply of Gold increases the Gold price. The demand for Gold has grown despite its limited supply. Gold is prevalent in many cultures, including China, where Gold bars are a conventional form of saving, and India, the second-largest Gold-consuming nation in the world. Demand for Gold has also grown among investors. Even during the COVID-19 pandemic, which ravaged the financial market, the Gold price returned 25% in 2020, thanks to investor demand. Due to advancements in medical science, technology and aesthetic preferences, Silver supply and demand has fluctuated a great deal through the centuries. Today, Silver’s demand is higher than ever because it is a crucial component of widely manufactured electronics, including computers, mobile phones and solar panels. Global Silver production fell for the fifth consecutive year in 2020. The drop resulted from declining grades at several primary Silver mines and disruption-related losses at some major Silver producers. Much like Gold, Silver’s demand will likely continue to grow despite the finite supply. According to the Silver Institute, Silver’s global demand will rise to 1.025 billion ounces in 2021, its highest in eight years. Silver has many uses, including industrial applications, like photovoltaics, jewelry creation, medicinal uses and minting Silver investment products. Physical investment, which covers Silver bullion coin and bar purchases, is expected to achieve a six-year high in 2021 of 257 million ounces.
Dollar VS Gold 1990
$100.00
$100.00
VS
$49.00
$922.00 2020
The value of the U.S. Dollar has steadily decreased over the last several decades, making an investment in Precious Metals more appealing to those who want to minimize the impact of inflation on their assets. 7
STEP 2:
HOW MUCH SHOULD I BUY? MAIN CONCERNS FOR AMOUNTS OF PRECIOUS METALS TO BUY 1. Many experts recommend putting 5-10% of your portfolio in Precious Metals 2. You should consider all pros/cons and pertinent aspects to buying Precious Metals
This question is one of the most important for investors to answer. After all, experts suggest limits on how much of any types of investments should go into a portfolio. After deciding to purchase and own Precious Metals and considering how much money to allocate, one can then think about how much and what to buy at any point in time...
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WHAT EXPERTS RECOMMEND FOR A PORTFOLIO First and foremost, investors should consider the pros and cons of having Precious Metals in their portfolios. Below is a graphic that shows one recommendation for portfolio diversification. A general guideline is to dedicate 5% to 10% of an overall portfolio to Precious Metals, but this figure depends on several factors, including demand, expense and time and effort to spend. Next, an investor should consider owning Precious Metals as a diversification strategy, along with varying their portfolio as they grow their asset base. Precious Metals are non-correlated assets. That means that, generally, when the stock or bond markets are experiencing wild fluctuations, investors tend to prefer the safety and stability of Precious Metals. Also, an investor should consider planning to invest in Precious Metals to help build wealth over time, keeping in mind that needs and desires will change with time and other factors. (Finally, APMEX recommends consulting with a certified and licensed financial adviser or investment professional to help make the best possible financial decisions.)
Diversification Recommendation 7.5% 30%
Stocks Intermediate U.S. Bonds
7.5%
Long Term U.S. Bonds Gold Commodities
40% 15%
Diversification recommendation.
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PROS AND CONS OF PRECIOUS METAL OWNERSHIP As with any investment, investors must weigh several considerations and do their own research. Precious Metals have stood the test of time, having been around for more than 5,000 years, and will be here for years to come. The following information outlines the general pros and cons to owning Precious Metals.
PROS Diversification: Precious Metals tend to perform inversely to equities, especially in more volatile times. Also, as the dollar has weakened in buying power, history has shown that Precious Metals have held their value or increased in value significantly. Precious Metals tend to do better than traditional “paper” investments, while an investment portfolio can decline when the market is underperforming. Unlike paper assets, Precious Metal values never go to zero.
Gold vs. Stocks Long-Term Price Chart 08/31/1971 = 100 3200
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This chart shows the inverse relationship between Gold and the S&P 500. Source: Topforeignstocks.com
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No Counterparty Risk: Instead of dealing with banks or other financial institutions to buy physical Precious Metals, one can get them from APMEX. You are not wagering your investment on any broker, analyst recommendations or on any mining company operations. The Precious Metal itself is the investment. Hedge Against Inflation: Due to inflation, the purchasing power of the dollar tends to decrease over time. However, Precious Metals tend to hold their value with time, especially in the event of market downswings; thus, buyers are apt to turn to Precious Metals as assets that will maintain their value. Privacy: Precious Metal ownership is a more personal investment than stocks or bonds. There is no reporting requirement when you purchase Precious Metals, so that no one knows that you have them. It is also a way to pass along a physical form of financial security to loved ones or give to future generations in an estate. Long-Term Store of Value: Precious Metals are generally viewed as a viable asset, having held their historic value over the centuries. They have been used in bartering and backing currencies and are stored by leading world banks. Proven Performance: Although history is no predictor for the future, Precious Metals have performed well since 2000, with Gold being the second-best performing asset class after real estate. Many investors do not generally take this fact into account, since they usually purchase safe haven investments during more unpredictable times in the marketplace.
Gold vs REITs (FTSE Nareti All REITs) 1970-2020 Historical Performance 9000% 8000% 7000% 6000% 5000% 4000% 3000% 2000% 1000%
Gold REITs
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This chart compares the overall historical performances of gold and real estate investment trusts (REITs) since 1970. Source: Scopemarkets.com 12
Intrinsic Value: Unlike some more recent investment vehicles, Precious Metals and their prices are driven by actual supply and demand. Precious Metal mining has become far more difficult and costly over time, while its uses continue to expand. Thus, the demand outweighs the supply, and their values continue to climb. Worldwide Demand and Interest: Precious Metals serve an essential role in various countries and in many societies. Developing countries like India and China are significant consumers of Precious Metals. India’s Gold demand, in particular, is “interwoven with culture, tradition, the desire for beauty and financial protection,” according to Somasundaram PR, the managing director for India in the World Gold Council. China encourages its citizens to buy Gold for their future and China also limits the exportation of Gold from within its borders.
Gold Demand in 2020
Consumer Demand by Country in 2020
2% Indonesia
2% Russia 2% Vietnam 2% Switzerland 2% Iran 6% Turkey
23%
All Others
27% China
46% of Consumer Demand came from China and India in 2020
19% India
7% Germany
8% United States
Jewellery plus Bar and Coin Demand = Consumer Demand This chart shows the demand of Gold by country in 2020. Note the outsized demand by China and India together. Source: Talkmarkets.com
Also, the use of Precious Metals in “green” technologies is increasing. One of the most rapidly increasing uses for Silver is in manufacturing solar panels. Platinum and Palladium, in particular, have been used in catalytic converters in all automobiles made since 1993. These devices use Platinum, Palladium and other similar metals to convert toxic gases from gasoline vehicles’ exhaust to nitrogen and carbon dioxide. Plus, Precious Metals’ use in technology and medicine drives its overall demand. According to the U.S. Geological Survey, the typical cellular phone’s contents include Gold, Silver, Platinum and Palladium, while medical implants use Gold, Silver and Platinum. 13
CONS Though Precious Metals’ pros outnumber the cons, the cons are certainly worth taking into account when considering how much Precious Metal to buy. Non-yielding asset: Though Precious Metals may increase in value, they do not earn an overall return, whether through dividends or interest. Tracking Gains and Losses: Investors must track Precious Metals manually to determine gains and losses, and then report details, like acquisition cost and liquidation value, to their state governments, where applicable. Plus, Precious Metal taxes and regulations vary from state to state. A majority of states do NOT tax Precious Metal purchases. Many experts share the view that Precious Metals should be regarded as an insurance policy for a portfolio, like putting cash in a safe. Investing in Precious Metals should be long-term, not a way to make a “quick buck.” For these reasons, many investors overlook the cons of Precious Metal ownership.
WHAT THE ANALYSTS DO AND SAY When working with investors, financial analysts will ask several questions about their investment plans and present them with much information to consider. These include questions about the target retirement age, how much money to save per year toward financial goals, how much money needed in retirement, and end-of-life plans to distribute wealth. Other information includes tax strategies, risk profile and asset reallocation versus incremental savings (slow and steady investments without much rearranging of assets). Assuming one has not yet determined whether to invest in Precious Metals – whether in an ETF or a digital or physical format – here are some final thoughts from leading analysts. First, the wrong approach to investing in Gold is trusting in the notion it never loses value, since Gold, like any financial asset or investment, is subject to fluctuating values. Another is that the intrinsic value of Gold and Silver will outlive all fiat currencies, including the U.S. dollar. And a third is that future inflation, due to “a global economy of debt,” makes Gold a currency that preserves its purchasing power.
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STEP 3:
WHAT PRECIOUS METALS SHOULD I BUY? MAJOR CONSIDERATIONS FOR WHAT PRECIOUS METALS TO BUY 1. Sovereign bullion coins are most popular Precious Metals 2. Bars and rounds are most cost-effective method of investing 3. Modern numismatics are highly collectible and can increase in value 4. Vintage numismatics are dependent on condition and rarity
With the frequent changes in the market and countless Precious Metal products available, choosing investments can be difficult. Some want Gold or Silver coins, rounds or bars while others want products that are valuable because of their design, mintage or other collectible qualities. Also, collectors may shop for unique sets and individual pieces for their collections. When buying Precious Metals, an investor will incur a total cost that includes the spot, a premium and any applicable taxes and other fees. The spot price is the value of a Precious Metal at any given time, and a premium is the additional price paid over the spot price to help cover manufacturing and distribution costs. Remember that both spot prices and premiums vary with time, market conditions, mintage and manufacturing. Though taxes and fees tend to stay constant, the spot price and premium will always fluctuate. Also, the smaller the weight bought, the larger the premium tends to be. Inversely, one will pay mostly smaller premiums when buying larger amounts of Precious Metals. A balanced portfolio should include an allocation of Precious Metals and we suggest that you diversify among the different Precious Metals to ensure that your portfolio is well represented and diversified.
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SOVEREIGN BULLION COINS Sovereign coins are the most popular Precious Metals people buy for investment purposes. They are minted in quantities; they have face values like regular currency; and they historically maintain their values and premiums. Also, unlike bars and rounds, they are manufactured, backed by the full faith and credit of the underlying sovereign governments around the world, and they are quite transferable. Another reason to buy sovereign coins is their ability to retain value over time. Unlike bars and rounds, which only have value due to their metal content, not only are the coins worth their face value, but they also have intrinsic value due to their metal content and collectibility. Sovereign coins each usually have declared set mintages (supply), along with a strong market for their purchase and collection (demand). Due to the principle of supply and demand, putting these two factors together is a formula for longtime preservation of value. The whole world recognizes the value of Precious Metals, while the U.S. dollar, the British pound and the Japanese yen, for example, are usually only recognized by the countries that created and distributed them. If an investor were to take a $1 Silver American Eagle into any bank in the U.S., the bank must give them one dollar in exchange. The difference, though, is that one of those dollars is a piece of paper (also known as fiat currency), while the other has a value in the actual Silver content. Precious Metals have a similar value anywhere in the civilized world. They are truly universal currencies. Many investors obtain and hold onto these coins because of their recognizability and ease of liquidity – the ability to be converted to cash. But an additional reason to invest with the American Eagle is its transferability. Like all Precious Metals, it can be handed down easily to future generations or even left as part of an estate. But if an
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investor needs to sell American Eagles, there are thousands of coin dealers across the country looking to buy that exact item. American Eagles are one of the few types of sovereign coins allowed by law to be used in individual retirement accounts, or IRAs, due to their backing by the U.S. Government. They serve as buffers against inflation and the volatility of the stock market and can be held in specialized plans called Precious Metals IRAs. These function the same as regular IRAs but only hold physical bullion coins or bars. Only selected products are eligible for those programs, since by law they must meet minimum content purity standards: Gold must be 99.5% (.995) pure, Silver must be 99.9% (.999) pure, and Platinum and Palladium both must be 99.95% (.9995) pure. However, Precious Metals IRAs are unique and have different regulations and custodians, along with limits to the annual contributions allowed to be made to them. APMEX suggests speaking to our specially-trained IRA professionals to obtain information relating to your state. Other popular products for first-time sovereign coin buyers include Canadian Maple Leafs, South African Krugerrands and Austrian Philharmonics.
BARS AND ROUNDS Bars and rounds are forms of bullion minted by private companies. They have the same general content and purity as sovereign coins minted by governments, but normally do not have the greater cost of production of coins. Thus, bars and rounds are a more cost-effective way to invest in Precious Metals. A major consideration when buying bars and rounds is paying premiums over spot. When purchasing bars and rounds, due to the lower production costs, the premiums will be lower. We offer our own branded bars and rounds, like 9Fine Mint and APMEX branded products.
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NUMISMATIC COINS Minted coins become highly collectible when certified as being in exceptional condition by third-party grading services, like PCGS or NGC, or when minted in limited quantities. Because of their limited mintage, beauty and condition, numismatic coins have value beyond the innate value of their Precious Metals content. The collectibility of numismatic coins can affect their overall values; as time goes on, the more collectible (and valuable) the coins can become. For aesthetic purposes, many numismatic coins are simply beautiful to look at. Just by examining such coins, a collector can tell the numerous hours spent by designers to make the coins unique. But handling the coins without gloves can wear down their characteristics, like words, numbers or designs, and can diminish their overall beauty (and value). But numismatic coins do not just look beautiful, they can always potentially increase in value. Some of APMEX’s popular modern numismatic coins include the 2021 Australia 5 oz Silver Swan Proof (High Relief), 2021 Australia 1 oz Gold Lunar Ox BU and the 2020 Great Britain 2 oz Gold Proof James Bond 007 coin.
HISTORICAL/VINTAGE NUMISMATICS Investors acquire historical or vintage coins as collectible pieces because of their condition, design and rarity. Such coins can become more valuable if grading companies certify their authenticity and condition. And collecting coins can be one of the most gratifying hobbies one can have. One major factor of a historical coin’s monetary value is its condition or state of preservation. Over time, the details of a historical coin may begin to wear down, especially if it is not handled with great care. This can cause the overall value of the coin to decrease. A coin’s rarity is defined by two main qualities: its mintage and its population. Mintage refers to the number of a type of coin which were originally minted, while population stands for the actual number of those coins remaining in existence as determined by the surviving numbers of those coins in specific grades that were graded by PCGS and NGC. 20
Coins have stood the test of time, having been around for thousands of years. Yet collecting coins is not just some passing fad; it is informally known as the “hobby of kings.” One of the earliest coin collectors was Caesar Augustus, who used to give coins away as gifts. As the centuries have gone by, coin collectors have included royalty, clergy, an American Founding Father, U.S. Presidents, singers, athletes, and even celebrities. To borrow a baseball metaphor, people collect “for the love of the coin.” Another characteristic of a coin collection can be its historical significance. Ancient coins are prized for their ties back to antiquity when they were used as a means of making wealth more portable. Later on, currency – in the form of notes and bills – replaced most coins, due to the scarcity of Gold in coin form. Because of this, currency took on many designs over the years (which, nowadays, increases their collectibility). Another feature to a collection is the ability to spend or barter with those coins. They are, after all, legal tender, and can be spent when a collector is in financial hardship. Compared with other collectible items, like baseball cards, stamps and comic books, coins have unparalleled liquidity. But one does not need to be wealthy or affluent to be a coin collector, and a collection does not need to be full of expensive, rare coins to be meaningful. When they are able, they can grow their collection by buying or trading for coins. And the more they learn about rare coins, the more discerning they can be about what to add to their collection. Depending on the interest, there are coins for everyone. The age of a coin might lend to its historical significance, but not necessarily increase its value. And though one historical coin might be older than another, if there are fewer of one type of coin in existence, that type can be more valuable. Take as an example the 1913 Proof $2.50 Indian Gold Quarter Eagle; only 165 of these proof coins were ever minted. Yet due to a Presidential order in 1933, most Gold coins and bullion were to be turned into the U.S. Government, melted down into Gold bullion bars, and stored at Fort Knox, Kentucky. But despite the order, some coins were kept in secret and still exist to this day. APMEX has one of these very coins. Despite the coin’s small amount of bullion content, its excellent condition and rarity make it worth more than $47,000. 21
STEP 4:
HOW TO BUY PRECIOUS METALS? KEY FACTORS IN HOW TO BUY PRECIOUS METALS • • • •
How easy/difficult your purchasing method is How pricing terminology influences your purchase consideration Why shopping for Precious Metals with APMEX is the easiest and best overall way What storage methods are right for your investments
After considering why, how much, and what Precious Metals products to buy, an investor’s next step is how to buy them. Gold and Silver are different than your typical investments. While buying Precious Metals can be important for investing, it can also be a fun shopping experience. One guideline for buying Precious Metals is to keep the buying process as simple as possible. Plus, one should only buy them from respectable retailers with longstanding credibility for quality, like APMEX.
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UNDERSTAND PRECIOUS METALS PRICING Before buying Precious Metals products, though, you should understand how they are priced. Here are a few terms to know and how they deal with pricing. • • • • •
Spot: Spot prices are set by the London Bullion Market Association (LBMA) and change minute-by-minute throughout the trading day. Ask: A spot selling price is called the ask. Bid: A bid price is the price market makers will pay for Precious Metals. Premium: A premium is added to the ask price to cover the cost of manufacturing and distribution. For example, when you see “$0.99 per ounce over spot,” the premium per ounce is $0.99. Spread: The spread is the difference between the buy price and the sell price.
When buying Gold and Silver, you should know your pricing terms, market conditions and variables in the Precious Metals market. APMEX has been in business for more than 20 years, using their exclusive partnerships with Sovereign Mints and private mints from around the world to buy more Gold and Silver than any other online Precious Metals retailer. APMEX also maintains direct partnerships with coin and bullion companies across the country. Plus, they have a Shopper Approved® rating of 4.9 out of five stars from thousands of satisfied customers. APMEX also has kept an A+ rating from the Better Business Bureau since April 2004. Here are some things to know as you begin investing in Precious Metals.
SHOPPING WITH APMEX When you buy Precious Metals from APMEX, you can shop with confidence. Since opening its doors in 2000, APMEX remains one of the largest sources of Precious Metals in the industry, providing buying and selling services and educational resources. At APMEX, we always put our customers’ needs first. Since there are countless Precious Metals products for sale, choosing which ones to invest in is a very personal decision. Some simply want Gold or Silver coins, rounds or bars, while others look for products which are valuable because of their mintage, design or other qualities. APMEX offers all these choices and much, much more. With APMEX, buying Precious Metals is as easy as choosing your product, placing it in your cart, and proceeding to checkout. You may want to purchase more Precious Metals if you wish to: • • 24
Hold onto physical assets not necessarily listed with your paper investments. Provide a gift of significant value to loved ones or others.
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Hold extra protection against events that may upset financial markets. Buy collectible coins for their beauty, history or other intangible factors.
APMEX also accepts a variety of payment options, ranging from paper checks to bank wires to even Bitcoin. Plus, buyers can trust in the security of their purchases, due to APMEX’s use of Single-Socket Layer (SSL) encryption. Which mean’s that buyers’ private information is protected against unauthorized access and is never sold to third-party vendors. At APMEX, when a product is on hand, its shipping time is unusually fast. You can set alerts for various products that might not currently be available at the time that you are looking to purchase, however we will notify you once they become available again. You can also pre-order several different products, which will ship to you at a predesignated time.
CONSIDER STORAGE METHODS Many investors keep secure storage of their Precious Metals in a safe or safety deposit box. If you prefer to store your investments at home or in a bank, APMEX supplies will protect them from damage. Or you can choose private storage in a high security facility with Citadel, an APMEX subsidiary in partnership with the Brink’s Company.
SELLING TO APMEX If an investor decides to sell Gold and Silver or even rare coins or currency, APMEX has them covered, as well. Featuring a one-day payment processing guarantee and competitive pricing – including a price lock when sold over the phone – APMEX makes it easy and safe to sell Gold and Silver. You have read many reasons why APMEX is the trusted name in the Precious Metals industry for Gold, Silver, Platinum, Palladium. APMEX boasts the highest accolades from business organizations (and customers), offers the largest inventory in the business, and makes buying and selling Gold and Silver simple and secure. 25
Quick Guide to Investing 226 Dean A. McGee Ave, Oklahoma City, OK 73102 800.375.9006 | APMEX.com 26