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What to Look for in a Secure Investment

Over the past few years, the unthinkable has happened and banks can no longer be regarded as completely safe places to invest your money. For years, people with some cash to spare who didn’t want the risk associated with purchasing stocks and shares would happily put all of their money into a high-interest account and wait for it to grow.

These days, though, you need to put a bit more thought into investments than that and many of us look for alternative ways to ensure that our money will both work for us and be secure. One of the best ways to do this is investing in gold, which can be done in several different ways.


Exchange Traded Funds (ETF’s) track the price of gold to provide investors with exposure to the gold market without physically holding the gold. ETF’s are backed by physical gold bullion held in secure vaults.

Mutual funds are also offered in gold as well as other commodities. These are professionally managed funds that are funded by shareholders and they tend to have a minimum investment amount to discourage less serious investors. If you’re looking for a serious discussion forum about funds you should check

Gold bullion

It is possible to buy physical gold bullion such as Betts gold bars. This is the easiest and safest way to invest in gold. You will know the value of the amount of gold bullion that you own and you know exactly where your own gold is. Most people purchase the physical gold bars and then store them securely at a bank.

You are entitled to access and sell your gold at any time so there are no restrictions as to when you can release the funds from your investment. Gold bullion is traded by big investors owing to the size of the gold bars. A standard bar of gold bullion weighs 400 troy ounces, although larger ones are available for the biggest investors.

Gold coins

If gold bars are a little outside of your price range, you can invest smaller amounts of money in gold coins. The most popular coin to invest in is the Royal Mint Britannia gold coin. A new coin is produced each year and can be purchased at a rate of just above the price of gold on the day you buy it.

If the price of an ounce of gold is around £825, you could probably expect to pick up a Britannia gold coin for around £860. Most people take possession of the physical coin and keep it safe themselves rather than placing it with a bank. Coins are available either individually or in tubes of 10.

Stocks and shares

It is, of course, possible to buy stocks in gold mining and exploration companies, which is another way to invest based on the price of gold. You will also have the added advantage of profiting from healthy dividends.

However, this carries with it the same risk as investing in any stocks and shares, in that if there was a problem within that company, you could lose a lot of money.

Invest In An Item That You know Well: A fantastic concept to be followed is not to get in an item that you do not know. There are lots of ULIPs, ELSS and other insurance policy items appealing sky preferred tax treatment year on year.

However, they are very complicated to be aware of. If you assume that knowing such problem is not your cup of tea, it is well and excellent to go with the PPF or FD choices.

For example, PPF gives 8.5% profits and if you generate 10 Lakhs per season and supposing you preserve 10% of your earnings thereby incrementing your benefits by 10% every season, your net value will grow to 1.16 Crore in 20 decades. Isn’t it awesome to know? Don’t’ look for an excuse to not secure your future now.

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Daily Money Saving is a community built around the notion that saving money is good. We offer free articles and information on all aspects of personal finance including debt reduction, how to save money, how to make money and how to invest.


  1. I would like to become financially secure without having to sell or market or anything like that. I’m looking for a work at home on the computer deal that doesnt require any investment. Any ideas? Please share your success stories if you have any.

  2. What I’m looking for here is ANY elected Republican that has stood up for regular working-class people over corporate interests.

    I am NOT talking about “tax cuts” that NEVER create jobs…

    Please feel free to post links to voting records of your favorite Republican Representative. (Local, State or National issues)

    Thank you in advance, for your insightful answers.