Investing in gold – should you buy physical gold, ETFs or mining stocks?

Gold is usually held as a hedge against risk and volatility, but only investing in physical gold can effectively eliminate counterparty, systemic and market risk, thereby performing its hedge function properly. 

Most investment advisors suggest holding some percentage of gold in a portfolio, often between 5% and 15% depending on the level of protection required. But there are several ways to satisfy an appetite for the shiny stuff, namely owning the physical metal, buying Exchange Traded Funds, or investing in miners who dig it out of the ground. All these ways of investing in gold are well established and easy to add to your portfolio, but they all satisfy a different aspect of risk and return.

Physical gold is the only form of the precious metal that is outside the financial system, and this is an important advantage in these volatile political and economic times. Josh Saul, CEO of The Pure Gold Company says: “We’ve had a 98% increase in financial professionals liquidating electronic gold (including ETFs and miners) to purchase physical gold in 2018. They cite systemic risk in global markets as the main reason for wanting to own the underlying asset rather than a financial product that is subject to the vagaries of the market and its institutions.

Physical Gold Vs ETFs

One of the key advantages of owning physical gold is the removal of counterparty risk. The gold itself belongs to the buyer rather than being held or underwritten by a counterparty, usually a major bank.

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Tips to cut losses short in the trading market

The global trading market is a successful market. It is also one of the largest financial markets in the whole world. It is an easy task to engage in Forex but you would have to deal with Forex education. Also remember there are also chances for you to lose your wealth in trading forex, there are two sides in this market, which will be your choice? The profitable or the loss? It is not easy to manage yourself in the market. You would have to do your part to become successful like the traders in the United Kingdom. Anyway, we will help you by providing a few tips to cut losses short of trading.

Use price action signal

The new traders often get confused in setting up the stop loss. They use different kinds of indicators and start trading the market without knowing the market details. They are the ultimate losers of this industry. Instead of relying on indicators reading, you have to learn price action trading strategy. The price action trading system will help you to understand the key points of the market. You can easily execute quality trades at the key support and resistance level with the high level of precision. If you focus on the long-term market trend, things will become easy for you. But this simple thing is not followed by most of the traders as they want to execute more trade. They chose lower time frame thus loses most of the trades. Get yourself habituated with higher time frame data and use price action signal.

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Choosing a financial adviser

Choosing a financial adviser is probably one of the most crucial financial decisions you’ll ever make. But finding good quality financial advice isn’t always easy. Here are some tips to help with your search.

What is financial advice?

The first step to finding good financial advice is understanding what advice you actually need. Most mis-selling is caused by financial advisers either misinterpreting your needs or simply not following the rules and selling you what they think you should have rather than what you actually need.

You can avoid some of this problem by thinking through your financial needs before you go looking for an adviser, so you are very clear what you expect the adviser to do and what you want to get out of the advice process. That way you can tell if they are falling short and find someone else.

What types of financial advice are there?

There are many different types of financial advisers all doing seemingly similar things, so it can be a nightmare to know where to start. However, the key thing to remember is that advisers are not allowed to sell certain products unless they are regulated by the Financial Conduct Authority (FCA). You can find out if your adviser is regulated by going to the official register.

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How much Sunshine can You buy for Your Money?

Have you ever wondered where you’ll get the most sunlight for your money? Home buyers are seeking to achieve maximum sunshine for minimum cost.

Even with summer on the way, Britain, unfortunately does not see a lot of sun or warm weather. So, it’s easy to understand why holiday home buyers are swapping their Blackpool property for a glamourous property in Spain or Turkey.

Buying a holiday home in the sunniest locations, makes perfect sense. The only issue home buyers feel concerned with is the price. But it doesn’t have to be ridiculously expensive. Holiday apartments can be surprisingly affordable, even in hot and beautiful places.

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Motor trade insurance: a cost-saving guide

Motor traders may be in for lean times ahead. According to forecasts published by the Society of Motor Manufacturers and Traders (SMMT) on the 1st of November 2017, new car registrations in 2018 are expected to peak at 2.426 million vehicles – which is 5.4% down on the output for 2017 (itself a reduction on the previous year).

If the estimated decline in motor manufacturing proves accurate – which is by no means certain – motor traders may be faced with a prolonged squeeze on profits. In a story dated the 7th of December 2017, Motor Trade News claimed that the average dealer had experienced losses of some £2,000 in operating profits in October of that year.

Saving money on essential overheads – such as your motor traders’ insurance – is likely to be the order of the day. So, here are some money-saving tips and suggestions:

Motor trade insurance brokers

  • although there is a multitude of potential sources, you are likely to find that specialist motor trade insurance brokers offer policies carefully tailored to your specific needs and circumstances and at a keenly competitive market rate;
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What is a collateral loan?

If you are looking for a loan, you may or may not have heard of the option of a collateral loan. Essentially, collateral is used to help you secure a loan. When you borrow money through a collateral loan, you are agreeing to hand over your property to the lender if you fail to repay the agreed amount for the loan, whether that be a vehicle, a house or an item of value.

Collateral loans make it possible for people to obtain large amounts of money even if they have a bad credit score. Traditional unsecured loans rely on an individual’s credit score and affordability in order to be eligible – but this makes it hard for those with adverse credit to get the funds they need. (Source: Payday Bad Credit). Hence the use of collateral allows you to leverage the value of your asset and get access to cash, even if it means potentially losing this if you cannot make repayments.

How Collateral Works

If you pledge an asset as collateral when securing a loan, the lender has a right to take whatever you have pledged for their own. As a borrower, you will have to show proof of ownership (Source: FCA) The lender is legally allowed to sell on your property (which is now theirs, as agreed by you in the contract) in order to obtain the money which, they should have been paid as part of your agreement. However, of course, lenders prefer to get their money back in cash form, but they will have to take action against you if they have no other option.

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How to plan for a financial emergency

Nobody likes to think of themselves falling into financial difficulty, but it is best to be prepared in the light of an emergency. A financial emergency could be due to a health issue, it may be related to work – whatever the reason, it can catch the best of us off guard. Car repairs, broken boilers, flooding at home and medical bills are just some of the main causes of financial emergencies in the UK.

In the United Kingdom, we are lucky enough to have access to the NHS and so in most cases, we are covered for medical emergencies. However, not every solution to every medical problem is offered by the NHS and if you want to go privately for a medical complication, you will want to have the fund to back this up.

A financial emergency is essentially anything that causes a sudden chance in your money situation. You need to be prepared for this change in cash flow, should it occur, and you should also prepare for if your income ceases to exist for a period of time.


An investigation conducted by the Post Office found out that the typical family in the UK relies on around £2,428 per month to live comfortably on. If that money were to be reduced, a typical family would only be able to maintain their current lifestyle for around about two months.

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