Welcome to the

Discerning Alternative Investments

Specialist Introducers to High Quality, Asset Backed, Fixed Return Alternative Investment Products

The U.K. Asset Company continues to build on an unrivaled reputation as a highly experienced introducer to the highest quality U.K. based alternative investment products. We specialise in diversified, fixed income, asset backed investment bonds in residential, commercial and healthcare property developments from some of Britain’s top developers.

 

We offer further diversification with fixed income and growth products within the renewable energy/green energy sectors and even fixed term, high growth income bonds pinned to the mining industry both within the U.K. and internationally.

About Us
Company profile
Our objective is to provide clarity on what is often regarded as a complicated market. We deliver an unrivalled approach to client care and pride ourselves on delivering a personalised attentive service to our clients.
Our experienced team of professional advisers has a proven track record within the Alternative Asset Market. Each and every one of our team is fully equipped and trained to maximise usage of the very latest available analytical technological props and is able to tap into their network of insider knowledge on today’s fast-moving and extremely competitive marketplace.

We believe that our success is a result of the pairing of the experience of our senior executives and advisers with a younger, dynamic team of highly-trained professionals. This winning combination gives us the required balance to achieve reliable, measured risks to maximise our clients’ ROI and resulting peace of mind.

With continuing global economic uncertainty and the renewed instability of traditional investment vehicles clients have been forced to change their approach to the way they manage their wealth. The U.K. Asset Company is ideally positioned to suggest the most lucrative asset
classes within the Alternative Asset sector.

The U.K. Asset Company continues to adapt within an ever changing market place and has recently formed The Gold Safe Ltd, a company now specialising in gold based investment products including physical bullion, gold coins, gold based bonds and equities.
The U.K. Asset

Introducers to High Quality Alternative Assets.

The U.K. Asset Company was formed by a select team of London-trained experts in the field of Alternative Assets, as a positive response to fundamental changes within the global investment industry and to widespread dissatisfaction with the performance of traditional investment products following the 2008 financial meltdown.

With the continuing instability of the traditional investment markets and global economic uncertainty in general, we have all been forced to change our approach to the way we manage wealth.

By capitalising on the broad skill spectrum and wide knowledge base of our experienced team we have promoted an evolving portfolio of solid and exciting alternative investment opportunities that offer the kinds of return that are now so elusive in products falling within traditional investment asset classes. Of course, our portfolio of companies we promote is constantly updated, as we are always scouring the alternative market to ensure our Customers have access to our Corporate Clients products on the market at any given time.

We are experienced introducing agents. Our extensive network of contacts combined with our experience in this complex market means we are ideally positioned to introduce our Customers to some of the most attractive alternative investment products within the alternative assets sector. Exceptional Corporate Client and Customer care is key to our success, and our promotors pride themselves on their long-standing relationships with Customers and Corporate Clients alike.

We only introduce Customers (investors) to companies who use the services of U.K. regulated Asset Clearing services or U.K. licensed Escrow Agents using U.K. Banking facilities. We only work with trusted professionals. Our Corporate Clients offerings and products are all subject of stringent due diligence processes, and our partners are all leaders in their respective fields.

Our key principles are the driver of everything we do:
To identify and promote opportunities for our Customers that should see them enjoy potential capital growth where applicable and high incomes where designed.
To ensure we are always ahead of the Market, providing innovative Alternative Investment solutions to our Corporate Clients funding requirements, and Investment opportunities for our Customers that are not generally available elsewhere.
To provide an outstanding, stress-free service experience for our Customers, with ongoing support from initial contact through to, if applicable, eventual investment.
WHAT WE DO
FOR OUR CUSTOMERS
Continually delivering well performing Alternative Investment products.Here to guide you every step of the way

We are experienced introducing agents. We do not give advice, we ensure that you (our Customer) have access to some of the highest-performing products on the market at any given time, guiding you through the investment process, and always on hand to provide support and answer any questions you may have.

How do we do it?

Our extensive network of contacts combined with our experience in this complex market means we are ideally positioned to introduce our Customers to some of the most attractive products within the alternative asset sector. We use our contacts, professional advisors, knowledge and skills to regularly scrutinise available assets to ensure that Customers have access to a range of well performing opportunities.

We make it our mission to ensure that Investors (our customers) are happy with the entire investment experience, and our aftercare service means you will always have access to your personal contact should you want to talk anything through, even after your transaction has completed.

Exceptional customer service
Customer care

Our business is customer services focused and we pride ourselves on our exceptional customer care.

 

To ensure we can continue to provide exceptional levels of customer satisfaction, we tailor our service parameters to the needs of our customers as a whole.

Our customers like to know who they are dealing with on a day to day basis, and need to be confident that their personal representative has a firm grasp of the way a customer prefers to conduct their investment business. This extends beyond the intricate commercial specifics of a specific Corporate Clients offering to the more mundane matters such as how often and via which medium a customer likes to be contacted. We listen to our customers and we strive to deliver on our customers requests.

We are firmly committed to the FCA´s principle of Treating Customers Fairly – or TFC, and so seek to operate with integrity and transparency throughout each and every transaction a customer makes. We always suggest that our customers should perform their own due diligence on an investment opportunity, refer to our Corporate Clients risk warnings within their documentation, and where necessary consult an Independent Financial Adviser.

 

Our customers can be reassured that we only work with regulated, established, reputable and qualified lawyers, fully licensed Escrow and Clearing Agents and British banking institutions.

Customer-Relationship
Customer Relationship
Laying the strongest foundations for long-lasting, successful relationships between our customer and their representative.

We:

  • pride ourselves on our long-term relationships with our customers
  • want to keep customers happy so that you keep coming back to us
  • know that if we don’t deliver our best results on your first investment we won’t get any repeat business from you

Our ultimate goal is for you to be able to create a high-performing and well-balanced portfolio of Alternative Assets that works hard and delivers results for you. Our interests are firmly aligned with yours as they are aligned with our Corporate Clients. We will never suggest that you proceed with further Alternative Asset purchases with us unless you are fully content with the first investment you entered into on our introduction.

 

The service we provide does not end at your purchase. A member of our team is always on hand to offer assistance and answer any questions you may have, at any stage in the transaction. We are also able to assist you establish what your options might be should you wish to sell some or all of your Alternative Assets at a later date. That said – our Corporate Clients debt products tend to be designed to run for the full length of the Offer.

 

We welcome feedback on your customer experience and how we can improve it. As part of our commitment to ongoing support, you customers can be added to our monthly bulletin so that we can keep you informed on the latest developments in our alternative asset market place.

Bonds Explained

Bonds are essentially loans to a company and are a relatively simple investment vehicle to get your head around and start using to your advantage. It tends to be that the higher the rate the bond / company pays the higher the risk, which is why we tend to only promote bonds where there is the additional comfort of asset backing of some description.

What is a bond?

A bond is also referred to as fixed income security and sometimes a Debenture

icon-timetable

A bond is essentially a loan given to a business or the government. As the investor, you are the creditor, loaning your money for a defined period of time for an interest rate.

icon-growth

Interest rates can be both variable where they fluctuate reflecting market conditions or fixed, giving you certainty.

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Bonds are issued when companies or other organisations need to raise additional capital, this can be for a variety of reasons, for instance, to refinance existing debts or to fund a new project.

Earning money from a bond

During the bond term from a bond from one of our Corporate Clients you can expect to receive regular interest payments. When the maturity date is reached, the loaned funds (the bond) are returned. If you were to purchase a bond for say £10,000 with a 15% interest rate, you would receive £1,500 annually over the bond term. Typically sold in small denominations, such as £5,000 or £10,000, bonds give you the flexibility to invest as much or as little as you want in a venture. When compared to traditional bond markets, our Corporate Clients bonds tend to offer less volatility in pricing as there is usually no central market for trading these bonds. Bonds are usually bought by investing directly with the Company via an Investment Invitation, and the bonds are not normally designed to be traded on any secondary market. Anyone can invest in bonds, choosing either individual bonds such as the bonds from our corporate clients or perhaps a government bond or a mutual fund bond to match your risk profile and needs.

Your bond investment
£10,000
Your interest rate
15%
per annum
You receive
£1,500
annually over bond term
Why invest in a bond?

There’s been a growing interest and demand for traditional bonds in the UK in 2017 – in part, this could be due to the political and economic uncertainty the country is facing but, there’s also a case to be made for the potential returns a bond has to offer over typical savings accounts. The latest figures (2017) show that £4.9 billion has been placed in fixed-income funds in the three months to October 1 2017, totalling £9 billion over the 12 months to October. Of the different asset classes, bonds were the bestselling throughout the third quarter 2017, with a particular focus on the strategic bond sector (www.theinvestmentassociation.org). The strong trade of bonds indicates that even as interest rates are poised to rise further in coming quarters, bonds still offer an attractive investment proposition to those keen to maximise their savings, diversify their portfolio and offset risk.  The evidence is that there is large scale divesting of traditional bonds at this time…

There are multiple reasons to choose to place your funds in the bond market
Higher interest rates

Compared to regular savings accounts and main stream bonds, our corporate clients bonds offer you a higher rate of return, albeit with higher risk. (Our Corporate Clients bonds are not covered by the Investors Compensation Scheme). Even with the Bank of England effectively doubling the base rate to 0.5% after years of low interest our Corporate Clients bonds offer higher coupon rates with 8% pa being common place.

Diversify your portfolio

If you’re already holding stocks or other investments, our corporate clients bonds can help you diversify the higher risk end your portfolio. By investing in a number of our corporate clients bonds you will be spreading the risks, and you’ll benefit from having a portfolio of our corporate clients bonds at a time of volatility and political uncertainty.

Less associated risk

Bonds are often chosen for being a stable, reliable income. There’s a growing scepticism towards the bull stock markets and, as a defensive asset, bonds are an ideal option for those seeking a predictable form of income.

Providing some of the U.K.´s best investment products
with the best in customer care but don't just take our word for it
Property Bonds
Property bonds verses
buy to let

If you’ve been looking for a market with the potential to deliver above average returns on your investment, you’ve no doubt considered the property sector. Choose the right investment vehicle in the property market and you can generate a substantial income but untangling the media coverage, facts, and predictions of what will happen next to get a true picture of returns and stability can be a challenge. Here, we’ve cut through the clutter to provide a clear side-by-side comparison of property bonds and buy to let options to help you identify the best investment opportunity for your money, appetite for risk and current portfolio.

A burgeoning property market makes for an attractive investment prospect

There’s no denying that a decade ago the financial crisis hit the property market hard. According to Savills, the Global Financial Crisis (GFC) fundamentally changed the UK housing market, with the repercussions of subprime lending leading to austerity measures, huge losses in market value (a 20% fall in 16 months), a massive fall in transactions and less lending overall. The deepest economic recession in the post-war period weighed heavily on the property market.

Today, it’s a different story. Even with the average property value falling between 2007 and 2010, house prices doubled in the first decade of the 21st century, with the average price of the UK home increasing from £81,596 to £167,020. It’s a trend that’s continued over the last seven years too. The latest figures from the Halifax House Price Index show that house prices have risen by 4.5% in the last 12 months. The average house price is now a record £225,826. In London, the recovery has been even greater – the average property value in 2007 was £292,409. In 2017, it’s £478,142 according to Nationwide.

So, the property market has been a great investment prospect but, assuming direct property investment and buy to let is the best option may not be right.

Average UK House Price 2017 £225,826
Average House Price in London 2007 £292,409
Average House Price in London 2017 £478,142
What are property bonds...
The reality of investing
in buy to let properties after the crash
You will need to have a sizeable cash deposit to purchase a property outright or take on a buy to let mortgage.

As a result of the financial crash, interest only lending has fallen to just 1.72% of the market, and percentage of lending at over 90% LTV has slumped from 14.1% in 2007 to just 3.9% in 2017 (source: PRA/FCA).

Realistically, you’ll need just as big a deposit – if not more – as a standard buyer to gain a foothold in the buy to let market. It’s not only the huge cash investment that makes this an unattractive option either – increased tax, squeezed margins, regulatory changes and the fact buy to let properties in most regions struggle to deliver a yield above 3% all need to be weighed up.

There are other downsides to consider with the buy to let option too. In its report “The Global Financial Crisis – 10 Years On” the estate agent Savills warns…

In the year to March 2016, buy-to-let lending was effectively back to where it was in 2007. Now it is at half those levels. This effect is likely to become even more entrenched as the progressive reduction in tax relief combines with rising interest rates to squeeze affordability.
savills-grey

As a buy to let investor, you’ll also need to comply with stringent regulations, pay associated expenses such as stamp duty and refurbishment costs, and keep up to date with ongoing landlord responsibilities. The reality of choosing to invest in a buy to let property means being prepared to take a risk, invest a substantial amount and commit to long-term obligations.

Investing money in property bonds can offer better returns and more flexibility compared to typical “Buy to Let”.

Property bonds are another option for those that are keen to take advantage of the robust property market when buy to let investments just aren’t the right fit. If you can’t raise a huge deposit, want yields above 3% and don’t want the hassle of regulatory compliance and maintenance, property bonds offer many of the benefit without the burdens.

Bonds are a thriving asset class at the moment, reflecting the accessibility and flexibility that they offer. In fact, fixed income assets were the best selling asset class during the third quarter of 2017, with sales amounting to £4.9 billion.

Like the buy to let market, the returns delivered with property bonds vary. However, as a fixed-income asset class, you know what your expected yield is before you part with your money. This certainty makes property bonds an attractive option for those with a low appetite for risk as they’ll give you peace of mind when you’re choosing an investment vehicle. It also makes it much easier to manage your money and your portfolio than would be the case with buy to let, where income will depend on town, the market value of the property and tenants.

Property Bonds
are a fixed-income asset class…

know what your expected yield is BEFORE you part with your money.

Fixed income

Property bonds deliver a fixed income that’s reliable and stable when compared to other asset classes.

Healthy yields

The returns generated on property bonds can be considered very healthy, at an average of 8%.

Ability to trade

You’re tied to a property bond until it reaches maturity, you may be able to trade them on the secondary market

Less volatile than stocks

Stocks can deliver bigger returns, but the associated risks are much greater than bonds as the equities market is volatile.

Simple way to benefit property rises

Property prices are increasing and when you want a simple, efficient way to reap the reward, property bonds provide a solution.

Depending on the property bond that you choose, you can expect yields of between 8% and 12% annually

This is between 3% and 7% more than most buy to let properties in regions outside of university towns.

With an experienced developer handling the daily tasks associated with the property you’re invested in, property bonds are a very hands-off way to invest in property, without sacrificing the benefits. Simply hold on to your bond and receive regular interest payments until it reaches maturity.

If you have a smaller sum to invest, property bonds are ideal. The average cost of buying a home outside of London is £225,826, with just 3.9% of mortgages offered at 90% LTV. That means as a minimum, you’ll need a £22,500 deposit to purchase a buy to let property.

In contrast, you can purchase as few or as many property bonds as you like, building them up to reach the desired amount. Bonds are typically offered with values that are a fraction of the cost of buying a property, allowing investors to benefit from the rising prices without having to take out a mortgage or invest a large amount in a single transaction.

Of course, as with any investment, there are disadvantages to consider when selecting property bonds too. Further rises in interest rates could devalue the amount you receive from a property bond, but investors can counteract this risk by choosing bonds that have a short duration to maturity. This allows you to reinvest in bonds or other opportunities that reflect the changing market.

Don’t forget, our role is to promote awareness of our corporate clients to potential investors.

Renewable Energy Investments

How to Invest Ethically AND make a Healthy Profit

Download your FREE Guide and Learn how to Invest in and Profit from

"Britain’s Renewable Energy Revolution"

As the landscape changes, opportunities arise.

The enormous potential of Tidal Energy, Wind Power and even Solar Energy in the U.K. is yet to be fully capitalised on but is now beginning to offer massive opportunities for savvy investors. The U.K. is not just the windiest country in Europe with about 40% of the total wind that blows across Europe but it also has 50% of Europe’s total tidal energy capacity. With new and exciting technologies being employed, solar energy can be produced even with within our gloomy shores but all this potential can not be fully harnessed without grid-level battery storage. As the landscape changes, opportunities arise.

Wind Energy Investing

Both off-shore and on-shore wind energy production continues to increase, become more efficient and cost effective. Along with ground-breaking developments come investment opportunities for those in the know and as Britain continues to push the boundaries in terms of technology and know-how, investment opportunities arise. Download your ultimate guide to gain essential insight into this exciting, fast growing industry.

Tidal Power Investing
The U.K.’s tidal power resource is estimated to be 10 Gigawatts (GW), about 50% of Europe’s total tidal energy capacity. New technologies are being developed to harness the huge potential of this incredible natural resource but the sector as a whole needs investment in order to reach it’s full potential. Find out where the smart money is going and who the big investors are.
Battery Storage Investing
Battery storage solutions are an essential and integral part of the development of renewable energy solutions for our future. Without efficient storage capability, electricity production is wasteful and inefficient. The technology behind battery storage has improved massively over the last ten years and continues to develop but which companies are leading the way and which offer the best investment opportunities?
Solar Energy Investing

Let’s not forget Solar Energy just because the sun isn’t shining. Solar is fast becoming an investment hot topic with over GBP 5 billion of investment expected in the sector over the next 10 years It’s an industry that is going to see exponential growth and along with growth comes opportunity for private investors. Find out where you can take advantage and download your free guide today.

Gold Investments
Why invest in gold?
With countries across the world experiencing periods of political upheaval, social unrest and conflict, there is no mistaking the fact that gold is a safe haven for investors. With prices soaring to record highs in 2019, there’s never been a better time to invest in gold.
gold-investments
A global currency

Gold has been a form of currency and mode of storing wealth for centuries thanks to its scarcity. Historians often herald the precious metal as being responsible for the banking industry meaning its intrinsic value goes back centuries. This is no 21 st Century cryptocurrency – it is a measure of wealth almost as old as time.

 

With countries all over the globe holding a percentage of their overall wealth in gold in order to protect themselves and their economy from financial risk, gold is seen as one of the steadiest forms of investment. We’re increasingly seeing this, as nations from Russia to China slowly transition their reserves from the volatile US dollar to the stable gold bullion.

Assets for the future

Gold is by far the best performing asset of the 21 st century, yielding an average return of 15% over the past decade alone. Q1 and Q2 2019 were a tale of major gains for gold with investors – it smashed through the $1400 mark as markets dipped and peaked. We’ve seen global banks and private investors increasing their stocks and taking advantage of what could be the lowest prices we’ll see for the immediate future. In all cases it’s clear, gold ensures financial security for the future.

Picking-up-gold-bars
Five Reasons To Invest In

With market uncertainty surrounding world economies growing due to political and financial issues, the price of many commonly held assets has received a big hit. We have trade wars, Brexit and other geopolitical crises to thank – turmoil that has made gold more stable and more desirable than ever as elsewhere, markets experience huge amounts of volatility.

Gold has always been recognised as a safe, tangible asset and has proven to be a reliable investment option for thousands of years. Today more than ever, a growing number of investors and central banks are once again choosing to secure their wealth against financial risk by investing in gold. The modern investor able to move quickly is also seeing the value of their asset trending upwards giving security and real returns.

Current savings performance is severely limited by low-interest rates and the capital amount a bank or financial institution is required to hold at any time. This puts savers in a precarious situation, with several UK financial institutions being added to UK government watch lists as customer finances face escalating risk for very little return.

 

With Brexit just around the corner, inflation is set to rise to as much as 5% while interest rates pay as little as 1%. Against this backdrop, investment in gold and other precious metals is on the up.

With inflation levels almost certain to increase by 4-5% in the short term, investing in property is a risky business. Traditionally a pension plan and safe investment, we could see property becoming less attractive as a long term safe haven for wealth. If inflation does soar, mortgages will become financially unachievable for many, resulting in an oversupply of property and a fall in value. For those with large property portfolios, a huge amount of money could be wiped from the portfolio’s worth almost overnight. Gold, of course, poses none of this risk.
Some bonds offer a seemingly good investment opportunity, but many of the bonds that promise the best yields often come with the greatest risks. A key example of this is the exceptional Greek bonds paying up to 9%. It may sound like a great deal nut anyone with an insight into the market will understand that this comes with a very high risk. For the more risk-averse, gold is the antithesis of this shaky investment proposition. Stable, solid, secure.

Income, property, equity and savings are all taxed, but gold offers a tax-free solution to keeping hold of all of your gains.

 

Physical gold is a legitimate exception to the tax rule, similar to an ISA, but without the restrictions. This means you are able to keep greater control of your investment without being subjected to penalties on early liquidation.

Why invest in gold?
With countries across the world experiencing periods of political upheaval, social unrest and conflict, there is no mistaking the fact that gold is a safe haven for investors. With prices soaring to record highs in 2019, there’s never been a better time to invest in gold.
A global currency

Gold has been a form of currency and mode of storing wealth for centuries thanks to its scarcity. Historians often herald the precious metal as being responsible for the banking industry meaning its intrinsic value goes back centuries. This is no 21 st Century cryptocurrency – it is a measure of wealth almost as old as time.

 

With countries all over the globe holding a percentage of their overall wealth in gold in order to protect themselves and their economy from financial risk, gold is seen as one of the steadiest forms of investment. We’re increasingly seeing this, as nations from Russia to China slowly transition their reserves from the volatile US dollar to the stable gold bullion.

Assets for the future

Gold is by far the best performing asset of the 21 st century, yielding an average return of 15% over the past decade alone.

 

Q1 and Q2 2019 were a tale of major gains for gold with investors – it smashed through the $1400 mark as markets dipped and peaked. We’ve seen global banks and private investors increasing their stocks and taking advantage of what could be the lowest prices we’ll see for the immediate future. In all cases it’s clear, gold ensures financial security for the future.

Five reasons to invest in gold
1. It’s a safe haven asset

With market uncertainty surrounding world economies growing due to political and financial issues, the price of many commonly held assets has received a big hit. We have trade wars, Brexit and other geopolitical crises to thank – turmoil that has made gold more stable and more desirable than ever as elsewhere, markets experience huge amounts of volatility.

 

Gold has always been recognised as a safe, tangible asset and has proven to be a reliable investment option for thousands of years. Today more than ever, a growing number of investors and central banks are once again choosing to secure their wealth against financial risk by investing in gold. The modern investor able to move quickly is also seeing the value of their asset trending upwards giving security and real returns.

2. Interest and savings

Current savings performance is severely limited by low-interest rates and the capital amount a bank or financial institution is required to hold at any time. This puts savers in a precarious situation, with several UK financial institutions being added to UK government watch lists as customer finances face escalating risk for very little return.

 

With Brexit just around the corner, inflation is set to rise to as much as 5% while interest rates pay as little as 1%. Against this backdrop, investment in gold and other precious metals is on the up.

3. Property and inflation
With inflation levels almost certain to increase by 4-5% in the short term, investing in property is a risky business. Traditionally a pension plan and safe investment, we could see property becoming less attractive as a long term safe haven for wealth. If inflation does soar, mortgages will become financially unachievable for many, resulting in an oversupply of property and a fall in value. For those with large property portfolios, a huge amount of money could be wiped from the portfolio’s worth almost overnight. Gold, of course, poses none of this risk.
4. Bonds and the risk game
Some bonds offer a seemingly good investment opportunity, but many of the bonds that promise the best yields often come with the greatest risks. A key example of this is the exceptional Greek bonds paying up to 9%. It may sound like a great deal nut anyone with an insight into the market will understand that this comes with a very high risk. For the more risk-averse, gold is the antithesis of this shaky investment proposition. Stable, solid, secure.
5. Tax-free gold

Income, property, equity and savings are all taxed, but gold offers a tax-free solution to keeping hold of all of your gains.


Physical gold is a legitimate exception to the tax rule, similar to an ISA, but without the restrictions. This means you are able to keep greater control of your investment without being subjected to penalties on early liquidation.

Top ten benefits of investing in gold
If you are looking for a new addition to your investment portfolio, wish to diversify, reduce your exposure to risk or just want to safeguard wealth for the future, gold investment offers a plethora of advantages.
1. Gold offers a strong buying opportunity
In 2019, we have seen gold go from strength to strength but, it is not yet at the highs that many seasoned investors and respected analysis expect to see by the end of the year and progressing into 2020. We have seen gold breach $1400 and dip below but all the signs point to a steady and prolonged increase – meaning now is the perfect opportunity to buy, buy, buy.
2. Wealth and loved ones
If you are hoping to leave a legacy or inheritance for those you love, gold offers a tax-efficient alternative that will see more of your wealth passed down the line.
3. Investor portfolios
Many savvy investors know that the price of gold rises when commonly held assets begin to fall, making the precious metal a good way of diversifying your portfolio for greater security. We have witnessed almost unprecedented geopolitical and economic turmoil on a global scale in the last 12 months, from the US to China, Germany to France, the UK and beyond. Markets are suffering, confidence is dropping, productivity is declining and inflation looks likely to climb. There is a looming, ever-present threat of a global recession. For those losing their appetite for risk and searching for a safer haven for their assets, gold offers a steady, strong and stable option.
4. Tax on growth
Physical gold comes in many forms, but certain types are free from tax on growth, meaning that your investment can pay higher dividends in the future.
5. Private investment
One of the only forms of private investment, ownership of physical gold does not need registering giving you complete privacy and peace of mind that your wealth management strategy need not become public record.
6. Inflation
As inflation rises, so too does the price of gold in line with other goods and commodities, therefore, it acts as a form of insurance against inflation.
7. The best performing UK asset
Gold has risen by r 330% since 1999, against the FTSE of 173% and the housing market rise of 231%, making it the best performing UK asset of the 21st century.
8. Freedom from the banking system

Unlike shares and pensions, physical gold sits outside of the banking systems and therefore, isn’t affected by counterparty risks.

9. Finite Supply
The rarity of gold and limited supply ensures an enduring value as gold cannot simply be created in the same way that currency can.
10. A global currency
Easy to liquidate and exchange for goods and currency, gold is universally accepted and sought after all over the globe. In addition to being a safe store of wealth, it’s also a useful, easily accessible global currency, perfect in times of crisis and uncertainty.
How does gold measure up against other investment types?

For investors considering adding gold to their portfolio, it is sensible to do a little research to see how physical gold measures up against other forms of investment.

 

Here, we offer in-depth analysis on gold versus other investment types so you can weigh up the advantages and disadvantages of each asset for yourself.

Gold and other assets over the last decade
An in-depth analysis and research into gold versus other assets during the 2006 to 2016 period leaves no doubt; gold comes out on top and outperforms all other asset classes over the last decade. The data speaks for itself and provides further proof, should any be needed, that the value of gold as an investment asset is no flash in the pan. Consistently strong and reliable, it provides better returns than other options such as property, FTSE and bonds decade after decade.
Gold
An investments of £100k in gold back in 2006 was worth £286k a decade later, significantly outperforming inflation and all other assets over the same time frame.
Property
Underperforming inflation by £13k over the same period meant that a £100k investment in property in the UK in 2006 resulted in an underwhelming property net of just £117k ten years later. That’s just a fraction of the value of gold for the same time period and initial investment amount.
FTSE
A 2006 investment of £100k on the FTSE 100 yielded £167k in 2016 – an asset that again comes in well below gold yields.
Bonds
Sadly, as bonds track inflation, investments in this asset offered no returns at all over a ten year period.
Savings

Savings suffered a fall in absolute value in the period 2006-2016, despite seeing a minimal return on the initial investment due to interest rates.

 

When comparing the growth of gold against these other assets, the power and potential of gold is evident. As uncertainty in the global economy looks set to continue, gold investment offers a substantial investment opportunity and a much more profitable avenue than any other traditional asset class.

Gold and equities

Shares might seem like an attractive proposition for investors, but with big rewards come big risks. As a longer-term investment opportunity, gold offers greater security and much more solid protection of wealth.

 

With a changeable and volatile world economy, investing in shares is becoming increasingly risky and is tipping the balance between risk and reward towards uncertain outcomes. Even the smallest return is not guaranteed, but with gold, financial protection against this uncertainty has been proven over the years.

 

There are countless examples of markets plummeting as a result of political and economic events, with 2019 proving particularly turbulent thanks to a US-China trade war, Brexit, stagnant EU economies and falling productivity worldwide. Financial policy makers are mulling policy changes and the threat of recession is ever-present. All of this is felt in market conditions and value. Gold by comparison offers investors the opportunity to grow their portfolio with much lower risk.

Shares versus gold
Reliability, risk and reward

When all other asset types struggle due to an uncertain market, gold rallies making it a safe and reliable haven for investors, especially those with a lower appetite for risk.

 

Shares, on the other hand, are very much at the mercy of fluctuating markets and demand plenty of skill and luck in order to reap big rewards due to the inherent complexity of this asset class.

 

Investing in shares can be exciting, but many investment decisions of this type are based on speculation and on the hope that the company you invest in will remain profitable to enjoy the rewards. It is a far riskier investment opportunity than that offered by gold.

 

With factors outside of the control of investors or financial institutions making shares vulnerable to a wide range of potential threats, invest in the wrong shares at the wrong time, and you could be left with nothing.

 

Although many people invest in shares in order to provide them with an additional income, unless you are willing to put in a significant investment at the start, it is unlikely that any dividends will finance a luxury lifestyle in the near future. Even a significant investment may not be enough – what is certain is that the stakes are higher and capacity for losses much greater.

 

However, as gold is in such high demand the world over and is easy to liquidate, investing in this precious metal can help provide additional funds for life-changing events due to its flexibility.

 

Investing in gold coins can offer greater flexibility and easier liquidation for smaller or more specific amounts, so this can help boost income whenever you feel the need arise.

Gold Versus Banks
Traditionally, banks have been seen as the safest place to keep your money, but if you want your money to work harder for you, the truth their vault is often the least advantageous place to keep your savings.
Is your money really better off in the bank?

A cornerstone of the global economy, banks have been around for centuries as a place for the population to store its wealth. However, with growing political uncertainty and financial upheaval, banks are no longer the safe haven that we’ve all come to depend upon.

 

Although banks are useful financial institutions for day to day use due to the wealth of services they offer, they are very much at the mercy of financial markets and many people who have worked hard to accrue savings over the years are finding that the interest paid on their money is underwhelming to say the least. This makes the bank as an investment option increasingly less attractive, especially when compared with other options such as gold investment – an asset class almost as old as time, equally as historic, traditional and safe as banks and a tried-and-tested safe haven.

Outside of banking influences

Gold not only falls outside of the influence of the banking system, but any investment remains the sole responsibility of the investor. This is significant because, the wealth inherent to gold can be traded or sold at the investor’s discretion, unlike savings held in a traditional bank account.

 

The precious metal is also safe from the impacts of economic downturns and bank failures and retains a consistent value in a time of crisis due to its rarity and strong reputation as an investment safe haven.

Tax benefits and inflation
Gold has outshone inflation for the past decade, making it a far better investment asset in terms of financial gain than any savings account could possibly offer. Gold investors also enjoy a wide range of tax benefits when it comes to legacies and purchases, meaning the initial investment will continue to pay dividends aside from the actual value of the gold holding. For those concerned with wealth management and family trusts for affluent individuals, these benefits make gold a highly attractive and very sensible option.
Ease of access

Getting money out of a bank is usually a straightforward process, but what many potential investors fail to realise is that gold also offers ease of access to funds.

 

For those that wish to access part of their investment in smaller increments, gold coins are an excellent investment option as they can quickly and easily be exchanged for goods or currency with minimal effort.

Gold Versus Digital Currencies

One of the newest forms of investment opportunity, digital currencies such as Bitcoin have been making waves in the media over the past few years with an equal balance of success and horror stories. While the highs make headlines, the lows have been similarly attention-grabbing. In January 2019 for example, Bitcoin compounded six straight months of losses with a further decline in value. Some traders tell of making and losing $1 million in Bitcoin almost at the drop of a hat due to the hugely volatile nature of this asset.

 

Is this new generation of digital currencies a match for the wealth safeguarding benefits of gold? Almost certainly, not.

What is Bitcoin?

First released as open source software in 2009, Bitcoin is a cryptocurrency that uses digital encryption in transactions. Created by a team of anonymous programmers, the currency has enjoyed significant exposure (thanks in large part to its huge volatility) and uses peer-to-peer transactions with no intermediary. Records are kept in a digital ledger known as a blockchain.

 

The Bitcoin currency is stored in a digital wallet and is a secure online payment method that far exceeds the security of even the most heavily encrypted credit cards. This encryption has helped the currency gain significant attention from investors.

A global currency

The success of Bitcoin is partly due to its international currency status. In certain parts of Africa, more than 30% of the population owns a digital Bitcoin wallet, but the number of Bitcoins available for circulation worldwide has been capped at 21 million, meaning that more than 75% of the available currency is already in circulation.

 

Although Bitcoin has soared in value since its inception, it’s also suffered mountainous losses and seems unable to hold its value for any length of time. Investors ride a roller coaster with highs and lows seemingly interchangeable. This makes it perhaps the most volatile of all of the asset classes and arguably, unsuitable for serious investors. Certainly, those searching for other investment avenues to offset risk would be well advised to avoid cryptocurrencies.

How does gold measure up against Bitcoin and other cryptocurrencies?

Although you can’t stop the inevitable march of technology, gold has been a traditional wealth store for thousands of years and still offers exceptional benefits for investors.

 

Investing in gold, when done correctly, can offer a tax-free investment opportunity and sits outside of interference from financial markets. As gold also has the tangible element that Bitcoin lacks, the price will never drop below zero, unlike its cryptocurrency counterparts as the precious metal is still in high demand.

 

As we have already seen, cryptocurrencies are also subject to huge losses and widespread volatility that’s impossible to predict. Months and months of price drops are not uncommon, nor is the launch then failure of a new crypto coin.

Gold Versus Currency

Comparing gold investment to that of currency is a little like comparing apples with oranges. They are both highly representative of two very different approaches to investment.

 

Currency investment fluctuates on an almost hourly basis and focuses on much shorter-term profits, unlike gold that seeks to gain value and safeguard wealth over a more extended period of time.

 

Also known as Forex or the foreign currency market, investing in currency on the world’s largest financial markets offers a plethora of investment options that can make the heads of even the most experienced of investors spin.

High rewards, high risks

The most volatile of all financial markets, Forex trading offers high rewards, but the risks often put many savvy investors off joining the 4 million trades that are conducted each and every day.

 

Currencies move in relation to each other, so as one rises in value, another must fall making it a risky way of diversifying an investment portfolio that isn’t tied to any particular national market.

 

Another downside to Forex trading is that the market is often seen as corrupt and heavily manipulated, and it is often the smaller players that lose out as the key thing to remember is that as one investor is making big gains in the market, another is losing.

Reliable and durable

Gold, on the other hand, offers a longer term, fairer approach to investment with fewer risks. A durable and reliable form of investment that has been a way to store wealth for centuries, gold operated outside of financial markets making it ideal for anyone seeking to preserve their investment against market fluctuations and financial crashes.

 

One of the most high-performing assets of the past decade, gold saw an increase in value of almost 400% between 2012 and 2015, so although that gold doesn’t offer the ability to get rich quick, it does provide a stable and reliable investment opportunity for those that value security.

Gold Versus Cash

If you want your money to work harder for you, the low-interest rates currently offered by banks offer very little in return for your loyalty.

 

With most interest rates failing to keep up with inflation and counterparty bank risks, many people are turning to gold as a safer, more reliable wealth store than ever before.

 

The way that banks works has been the norm for decades. Customers save money in bank accounts in return for interest, and the banks are able to use this capital to lend to others in return for repayment fees and interest in borrowing.

 

Although this system has been effective for many years and has been mutually beneficial for all parties involves, plunging interest rates have seen the deal change for savers who often feel underwhelmed on their returns.

Even banks carry risks

Banks are affected by wider financial markets and political factors too, therefore increasing the risk for customers who have poured their life savings into these established institutions. In fact, should a bank fail for any reason, savers are only protected to the tune of £85,000 per bank which is a major concern for those that have entrusted large amounts to the bank of their choice.

 

In the US, there has been much talk about interest rates of late as it looks likely that the Federal Reserve will make interest cuts. This is bad news in the long term, with CNN reporting that interest rate cuts are rooted in desperation and bad news long term for investors. Rate cuts mean cheap money but, with jobs growth and economic growth slowing, more debt is on the horizon – and this can only be bad news for investors with US debt already at trillion dollar levels. Should the US fall into recession, many other nations would likely follow suit, putting savings at risk worldwide.

Gaining greater control of your wealth

As a physical asset, gold has an established value thanks to a scarcity that allows it to climb far higher than interest rates. Free from the constraints of financial institutions including banks, gold can be securely stored in vaults, under the guidance of an expert or even locked safely elsewhere thus removing wealth from general circulation and giving back power to the investor on how and when their wealth is used.

 

Gold has also enjoyed a significant long-term price rise over the last decade and has far exceeded even the best savings account products meaning that investor wealth can work far harder when used to purchase tangible gold.

Gold Versus the Stock Market

When you mention the word ‘investment’, many people think of owning shares connected to an interest in a company. Known as equity shares, this form of investment is often the default for those wishing to dip their toes in the stock market.

 

However glamorous this form of investing may seem, playing the stock market with shares is no longer an attractive a proposition as it once was, with several pitfalls that potential investors need to be aware of as gold offers a far safer and reliable investment opportunity.

Playing the stock market
There is no denying that owning equities is exciting as many investors profit from the success of the companies they choose to purchase shares in. From big FMCG brands to small startups, playing the stocks can become something of a hobby for many investors, but putting faith into a company isn’t without its risks. The recent volatility of the major markets shows this – we’ve seen huge dips for example in the FTSE 100 and Dow Jones as a result of a political trade spat between the US and China. There is no telling when tensions may spike, causing shares to tank and millions to be lost.
Ups and downs

Investors will most likely feel a rollercoaster of emotions with this form of investment as stocks can be on the up one day and down the next due to a wide range of factors outside of investor control. All it takes is a little negative press, a bad political headline or unexpected economic hiccups (such as a decrease in growth or increase in unemployment) and your seemingly sound stock market investment can be worth virtually nothing and may never recover.

 

Recovery from dips take a long time to realise, and it really is a game of chance and skill to make the figures work in your favour, so it is better to view stock market investments as more of gamble rather than a reliable method of safeguarding wealth for the future.

Dividends

Another major appeal for those investing in equities is the regular payments of dividends. These payments are a share of the company’s profits, but unless you are willing to plough a significant of money into buying shares, the outcome probably won’t allow you to lead a lavish lifestyle on the dividends alone.

 

Although gold does not provide a direct income in the same way, the purchase of tangible gold coins allows investors to trade or exchange smaller amounts of their investments at intervals to suit them as it is always in demand and easy to liquidate.

Growing and protecting wealth

One of the main disadvantages to the stock market and equity shares is the unpredictable and uncontrollable swings that all investors, no matter how big or small, are subject to.

 

Gold is a tangible asset with a proven track record of sustainable and reliable growth, which actually increases when confidence in financial markets is low, making it a safe haven for investors.

 

As gold is a way to store wealth outside of the stock exchange and banks, it helps prevent catastrophic losses in the event of an economic downturn and can actually rise in value as all other goods and commodities fall.

Gold Versus ISAs

Simple to open and manage, an ISA product is often the first port of call for anyone seeking a tax-efficient way of growing and safeguarding wealth for the future, but how do they measure up against gold?

 

After researching the best paying ISAs currently available from UK financial institutions, interest rates tend to sit at around the 2% mark, meaning that investments of £100k ten years ago will have resulted in a total of £130k today once inflation is accounted for.

 

Investing the same figure in gold over the same time period would have garnered far better results, with a total of £286k delivering a 186% increase in value today. Is it any wonder that gold is consistently cited as a strong, stable and highly regarded investment option?

Restrictions and timeframes

Another key consideration when comparing gold with ISA’ s is the restrictions and time restraints placed on investors. ISA’s often limit how much can be added or removed during a particular timeframe and some even place heavy liquidation fees on investors who want to withdraw funds early.

 

Gold offers far greater flexibility, as amounts can be traded or exchanged at any time without such penalties. As there is always a demand for gold, it is easy to gain access to currency from your investment without facing fees for doing so.

Tax

What makes ISAs so attractive for those looking to safeguard wealth for the future from a tax perspective can also be said of gold. As the precious metal is exempt from several taxes including VAT and Capital Gains Tax in the UK and the EU, many savvy investors choose gold coins as their investment of choice as they are exempt from Capital Gains Tax as they hold a currency status.

 

A tax efficient, tangible asset that outperforms ISAs in terms of wealth growth and accessibility, gold offers investors the chance to invest without restrictions and make far more significant gains over the same time period.

FAQs

If you’ve been researching gold investment for some time, but still have some burning questions that require an answer before you make your investment, here are some of the most frequently asked questions to help put your mind at rest.

 

If you still have a query on our services, then feel free to contact us and a knowledgeable and professional member of our team will be in touch to discuss your question in more detail.

How does gold investment work?
The idea behind gold investment is that the underlying value of gold increases over time. Historically this rate of increase is higher than inflation, so the value of your investment increases in real terms. Investing in gold can take the form of physical bar and coins, gold equity funds, mining shares or ETFs.
How safe is gold investing?
The price can go down as well as up, depending on supply and demand. Over the short term, there’s the risk that your investment could fall in value, however, over the medium to long term, gold has proven to increase in value faster than the inflation rate, proving to be a reliable store of wealth.
Where is the best place to buy gold for investment purposes?
There are several online sources that offer a gold buying service for investors, but it is always best to do your homework before you engage with them. Trusted websites such as our own serve the needs of gold investors via an experienced, knowledgeable and up-to-date team. We’re here to answer questions by phone or email and provide expert industry insight and advice.
Is it better to buy gold coins or gold bars?

The question of buying gold or coins depends on personal circumstances, financial status, investment amount and portfolio plans. Broadly speaking, purchasing gold coins provides good levels of flexibility.

 

UK investors also benefit from legal tender coins being tax exempt, whereas gold bars are not. Owning part of a very large portfolio in 1kg gold bars can deliver price savings. To decide what’s best for your own investment journey, talk to a member of the Gold Safe team today.

Do your gold products come with an assay certificate?
All gold bullion bars sold by us are 24 carat and therefore 999.9 pure gold. All gold bullion bars are stamped with 999.9 indicating the purity of the bar. All larger gold bars are stamped with a unique serial number and provided with a matching certificate.
Do I have to provide identification to buy from you?

We take financial security very seriously, but customer payments do not typically require any additional ID to be provided. However, we may contact you to confirm some security details for insurance reasons.

 

If you are buying on behalf of a company or consortium, we will require further information, so please get in touch with a member of our team.

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