The most experienced investors know that gold never depreciates, and therefore it is a winning investment. This metal is real money, and it constitutes a risk-free asset; most importantly, it constitutes armored financial insurance against the crisis and its impact on retirement funds. Thinking of a solid asset for after retirement marries perfectly with an investment in physical metal in the long term, without risks and with a full guarantee.
Although investing in bonds and shares or acquiring private savings insurance are valid options for thinking in the medium and long term, what is involved in this case is investing in an asset with the least amount of risk in a scenario characterized by uncertainty. In this way, establishing budgets and following them to the letter can be a quite valid tactic as long as it is framed in a strategic vision where saving in metal is at the center of your planning.
Thus, when the time comes to invest in the precious metal, individuals have options to place their money in certificates of deposit, acquire shares in mining companies, exchange-traded funds (ETFs), and even digital ways of owning the metal that can be exchanged for its palpable modality. However, the safest form of saving in this case, recommended for those who want to preserve value for their pension, consists of buying physical metal.
Once the form of investment has been decided, the individual must take into account factors such as liquidity, custody, storage cost, purchase volume, commissions, and points of purchase and sale. For example, acquiring coins and ingots creates the need for storage, for which there are specialized companies that allow investors to substantially reduce expenses.
Finally, while the political class debates between creating a new tax, creating hybrid systems, or returning to the Toledo Pact, all to keep the pensioners’ piggy bank afloat, you can opt for this form of solid savings, which will allow you to maintain and revalue their assets and ensure a dignified retirement protected from economic turmoil.