Forecast Trends For Physical Investment Gold In 2022

When investing their money, most investors turn first to real estate or savings plans. These traditional investments remain the priority for individuals; however, they are increasingly challenged by alternative investments, where the return/risk ratio can be a source of opportunities. This is particularly the gold case.

The precious metal has been able to regain its attractiveness in recent years, particularly in 2020 when, operating in a countercyclical manner with share prices, it shone in its role as a haven. Revolving throughout 2021 at around $1,780 an ounce, gold has stabilized: in question, a new variant in an endless pandemic, and an inflation index at its highest. high for thirty years.

Unstable Economic Conditions At The End Of 2021

At the end of November 2021, Wall Street was laboriously recovering from the sudden fall in prices at the end of November, under pressure from the Omicron variant. Faced with its presumed virulence, gold was one of the rare investment objects not to give in to panic.

Nevertheless, the price of the yellow metal did not get carried away either as in 2020. Temperance is in order because on the United States side, the dollar is recovering, thus making gold more expensive for those who do not trade. not with US currency. Moreover, a rise in interest rates can be envisaged soon, with the gradual end of the Federal Reserve’s support for the American economy.

However, inflation continues to rise, especially in the USA. In October, it reached 6.2%: in November, it was 6.8%, a level unequaled since 1982. If the inflationary pressure, which reached 4.1%, is considered temporary by certain specialists, traditional investments see their value impacted. Investors then turn to safe havens such as gold.

A haven still relevant in 2022

The yellow metal is indeed one of the best means of alternative investment to protect against inflation. Over the past 50 years, gold has outperformed consumer price indices, with an average return of 11% in US dollars. In times of high inflation, it not only preserves the capital saved but also increases it.

Not offering a priori any return, the capital gain of the yellow metal is realized on the sale. And since 1971, its value has increased by an average of 11% per year. Over the same period, while the performance of gold is comparable to that of equities, it remains superior to that of bonds.

The purchase of physical investment gold is now recommended by wealth management experts, up to 5 to 10% of the savings portfolio.


Is Gold A Reliable Investment?

Between 2000 and 2021, the price of an ounce of gold rose from €310 to €1,600, an increase of 430% over more than 20 years. Global economies, battered by various crises or by monetary policies, have weakened the stock markets and have repeatedly prompted investors to abandon stocks and/or bonds in favor of gold as a long-term investment.

However, can we trust yellow metal to invest? Does it offer safe and effective protection in a wealth management strategy? Some answers in this article are thanks to a retrospective analysis of the price of gold over the past 20 years.

1999–2004: gold victim of the internet bubble

From the end of the 90s until the beginning of the 2000s, investors abandoned the precious metal to turn to technological stocks resulting from the internet bubble. The price fluctuates between €280 and €320 per ounce.

2005 – 2012: Gold outperforms in response to financial crises

Once the internet euphoria subsided, gold began an uninterrupted rise until 2012, a veritable seven-year rally at the end of which it peaked at €1,373 an ounce. The world is indeed going through an unprecedented crisis, the Subprimes (2008). This global systemic financial crisis led to an increase in public debt from 2011.

During this period when countries were plunged into a deflationary (or recessionary) economic situation, gold continued to outperform. The ounce was worth less than €550 in August 2008 and climbed to €780 six months later, while the world stock exchange unscrew.

Investors fearing that their financial investments will be contaminated by the recycling of subprime mortgages, hasten to sell them in favor of real assets such as gold, which they consider as a protective value of their heritage.

2013 – 2018: the price undergoes a correction and pauses

The price underwent a correction in 2013 of approximately 30%; then it fluctuates between €900 and €1,200 until the 3rd quarter of 2018.

2019 – 2021: historic record

The price is attacking a new spectacular rise which has earned it its record, at €1,744 per ounce in August 2020 due to the uncertainties caused by the health crisis. Despite an expected correction after this record, the price remains stable throughout 2021. This stagnation is the result of the rebound in the financial markets and the negative impact linked to the anticipation of the rise in US interest rates.

Gold: a reliable asset to protect your assets from inflation

Past and recent events demonstrate that an allocation to gold in a diversified portfolio is one of the safest investments against the risk of capital loss. The fact that it is decor-related from other financial products allows you to smooth out the losses incurred on other assets and reduce the risk during periods of uncertain conflict, stock market crashes, etc.

A liquid asset redeemable internationally

Gold remains a tangible asset that stands out from other investments because of its international liquidity. It has the advantage of being still considered a strategic currency, in particular, because of its use by central banks and its absence of issuer risk in its physical form. Gold coins, bullion, and fractional bullion are sold or traded internationally; also, if you need money, you can resell your gold coins or bars easily almost anywhere in the world.

A stable asset that appreciates over the long term

Investing in physical gold cannot be considered for purely speculative purposes as it generally produces no return while it is held. On the contrary, its performance is acquired over time.

No taxation for gold investment on the purchase

Taxation on physical gold (coins and ingots) only applies to resale, except for coins minted before 1800. Indeed, unlike bullion coins (minted after 1800), they are considered collector’s items and are subject to 20% VAT at the time of purchase.

During the sale, two tax possibilities apply depending on your case.

Capital gain tax

• Condition: obligatory presentation of a nominative invoice that indicates the price and the date of acquisition of the gold.
• A tax of 36.2% on the net capital gain after the sale.
• Reduction: 5% per year from the third year of full ownership, total after 22 years.

Flat rate tax on precious metals

• This taxation on the entire amount of the transaction applies when it is impossible to justify the purchase: this is sometimes the case when gold is transmitted from generation to generation.
• A flat rate of 11.5% (including 0.5% CRDS) is levied on the amount of the sale, with or without capital gain.

Gold, a reliable haven in a diversified portfolio

Gold is a benchmark vehicle for protecting assets in times of crisis or the event of loss of confidence in institutions. Its protective role is part of a strategy to strengthen wealth within a diversified portfolio.

Gold has proven over the years that it is a reliable and sustainable investment over the long term.…


Buying Investment Gold Online: The Advantages!

Gold has been used in trade for more than 6,000 years and has never gone bankrupt. This is why the yellow metal also bears the nickname ” safe haven”.

In this period of inflation, against a backdrop of health and geopolitical crisis, physical gold is an excellent way to secure your savings!

Buy gold online, to keep control of your savings

The periods of confinement that followed one another in 2020 and 2021, followed closely by the geopolitical upheavals that occurred in 2022, were favorable times for buying investment gold online.

On the one hand, households that have managed to save as a result of the lockdown have looked for other ways to invest and secure their savings. On the other hand, the geopolitical crisis of 2022 and the tension on energy prices had a positive impact on the price of gold, which aroused the curiosity of budding investors.

All this is boosted by online investment solutions which experienced extraordinary growth during the first confinement, and whose enthusiasm remains as high as ever. It must be said that buying gold online has proven itself: it allows you to have access to a multitude of products regardless of when and where you are.

You can thus invest in gold, in the form of ingots or gold coins, as soon as the moment seems opportune to you. This solution allows you at any time to take advantage of price fluctuations and split your investment.

Invest in gold online, for more autonomy

If you are a seasoned investor, new to buying investment gold, or are comfortable with buying online in general, investing in gold via our Or Investissement website is the solution for you!

If you already have a clear idea of the products you need, our online investment gold sales platform will save you time. No need to travel, you are no longer dependent on waiting times in store.

The reverse is also true. By opting to buy gold online via our e-commerce site Or Investissement, you can also take the time to study the products, and compare them, but also read our detailed product sheets and our explanatory files.

Napoleon, Marianne Coq, Krugerrand, 50 pesos, Sovereign, Latin Union, gold bars ranging from 5 grams to 1 kg, we have a wide choice of investment products allowing everyone to find the most suitable product for their needs. his situation.

You can completely build a first basket that you will validate only later when you are ready to pass the course of the transaction. Be careful, however, as the selling prices are updated according to the daily rate. The payment, meanwhile, is completely secure and is made by bank transfer or credit card.…


All You Need To Know About The Tax On The Plus-Value (TPV) In Gold IRA

The Plus-Value Tax, more often called the TPV, is a tax on precious metals. This tax, therefore, applies to investment gold and silver, such as bars and coins. When you are looking to resell your gold coins and gold bars, it is important to know the conditions and understand how taxation works on gold investment products and precious metals. Focus on the POS!

How is the TPV calculated?

If you wish to resell a gold (or silver) bar and/or coin, which are so-called investment gold and silver products, a tax may apply on resale. There are two taxes for investment gold, the TPV and the TMP. This tax applies to all precious metals from gold bullion to silver bullion as well as from gold coins to silver coins.

The TPV is calculated on the capital gain, that is to say, the amount you have earned if you resell your product for more than you paid for it.

It, therefore, amounts to 36.2% of the amount of the capital gain made on your investment gold product.

When you choose to invest in gold, it is advisable to preserve this financial heritage over the long term. Indeed, the longer you keep it, the more it will increase in value. We can say that the TPV is advantageous, because it is degressive by 5% per year, from the 3rd year of possession of the product. You should know that this tax is amortized over 22 years.

For these 22 years of past detention, the exemption is total. And in case of capital loss, no tax or duty will be exercised on the sale of your investment gold coins or bullion!

Of course, when selling bullion and/or investment gold coins, you will be able to choose which tax you wish to apply between the TPV and the TMP. The law authorizes the application of the most advantageous tax according to the year in which the product is held.

Eligibility conditions for the TPV

To apply this tax, you must of course meet certain conditions to benefit from it. If these conditions are not respected, the TFMP, the Flat Tax on Precious Metals will be automatically applied to your investment gold product. The TFMP tax is 11.5% of the total amount of the sale.

To benefit from the TPV, you must have:

• The registered purchase invoice, or a registered deed of gift
• The invoice must include a date of purchase. The date must be legible to be able to calculate the tax amount.
• Proof of purchase amount.
• The number of seals or ingots must be indicated.
• The parts must be under closed seals, with the correct seal number.
• Bar numbers must match those on the invoice.

In the event of a deed of gift, it must also be in the name of the person wishing to resell his gold ingot or gold coin. The date to be taken into account to calculate the TPV of 36.2%, is the date of the day of the deed of gift, and not that of the day of the purchase of the ingot.

If the parts are no longer under seal, the TPV cannot be applied, because there is no proof that they were purchased on the date indicated on the invoice, or on the deed of gift.…


The Flat-Rate Tax On Precious Metals (TFMP) in Gold IRA

The flat-rate tax on Precious Metals is a tax applicable to the sale of jewelry, scrap metal, or gold or silver investment items. The amount of this tax varies according to the value and nature of the items to be sold. It is therefore important to consider this tax when you want to sell antique jewelry and gold coins!

Calculation of the Flat Tax on Precious Metals

Have you got your hands on a small fortune in damaged jewelry, or do you have old gold coins lying around in your drawers? Reselling these items will allow you to quickly acquire cash, in addition to avoiding storage costs. But beware: in some cases, the TFMP may apply to resale.

When must the TFMP be paid?

When selling jewelry or investment gold objects, you must pay the TFMP under certain conditions. This tax concerns exclusively residents or representatives of an association registered. Companies are taxed at the time of payment of income or corporation tax, through the taxation of their profits.

Here are the cases where you are liable for the TFMP:

• During a sale of a jewel composed or not of precious metals, when the jewel exceeds a value of 5000€.
• During a sale of investment objects such as coins or gold bars, without the condition of amount.

What is the amount of the TFMP?

The precious metals tax depends on the value of what you wish to sell.

• For one or more jewels in gold, silver, or platinum whose value is greater than €5,000, the TFMP is 6%.
• In the case of bare precious stones such as a diamond, the fixed tax on precious objects also amounts to 6% of the total amount of the sale.

Regarding gold or silver investment objects, the TFMP amounts to 11.5%: which is included in the calculation of this single flat-rate deduction, the contribution to social security contributions (CRDS) of 0.5%.

The TPV only applies to the capital gain made on resale, up to 36.2%. However, the tax rate is degressive and becomes nil after 22 years of a proven holding period.

In cases where you do not have proof of ownership, such as invoices, seals, deed of gift… The TFMP applies automatically.

In which cases should you choose the Flat Rate Tax on Precious Metals for your resale of gold?

If you want to sell your gold quickly after acquiring it, the TPV will be the most advantageous tax. For example, after an inheritance or to take advantage of a sharp rise in the price of gold, as in 2020.

On the other hand, if you have owned gold coins and bars for a certain number of years, and you have proof of purchase or dated transfer, the TPV will be more interesting thanks to its total abatement, after 22 years of detention. The type of tax regime you wish to apply is to be chosen at the time of the sale of the goods.

Benefit from a purchase of your precious goods in complete transparency in our Gold in Cash agencies: the expertise of our specialists will allow you to benefit from the most advantageous tax. Go to the agency nearest you, or on our website to sell your gold online.