1Sem.·

I would actually like to have all my gold physically in 1 Oz and 1/2 Oz Maple Leaf. However, as this exceeds my investment amount as a one-off investment, I will create a savings plan on $WGLD (-0,14 %) and sell at 10 shares to buy a coin (+ the surcharge on the spot of course).


This has two advantages for me:

Until then, the money earmarked for gold will participate in the movements of the gold price via the ETC (can of course also go badly if gold falls, but it would if I bought the coin now). Of course, I could also park the money in $XEON (+0,02 %) or as overnight money and go out with a guaranteed plus, but I would like to participate in the price development of gold with a certain percentage of my portfolio.


This also allows me to better maintain the proportion of gold in the overall portfolio that I have set for myself and not have too much or too little gold in the portfolio.


The only negative aspect may be the tax issue: shares that I sell at a profit after holding them for less than a year are subject to capital gains tax. However, this will be cushioned by my exemption order, which is not yet exhausted by dividends.


What do you think of this approach and are you also invested in physical gold in self-custody (bank safe deposit box, safe, own bunker or buried in the garden)?

04.11
CORE PHYSICAL GOLD logo
Acheté x4 à 250,60 €
1 002,40 €
3
27 Commentaires

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You don't sell physical gold, at least not without need. At least that's my attitude. I theoretically have a safe deposit box for mine, but I keep it at home. In my safe, which is in the bunker and buried in the garden...😉😉
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As far as I know, there is no capital gains tax on gold. You are taxed as otherwise. Income with the pers. tax rate.
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Physical gold definitely has disadvantages that you should be aware of. For example, it can be more difficult to get rid of the stuff than with an ETC. Do you want to give all your details to the gold dealer around the corner (you have to, including a copy of your ID) or do you want to meet Ali in the backyard? 😅
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Would be too much work for me and yes, you now have the tax issue so you can't actually sell for 1 year if the price rises. I've actually just bought 1 ounce of Krugerrands myself. Let's see if that was a good decision.
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$EWG2 can be converted into physical gold free of charge
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An interesting way to build up a savings plan with gold is to buy gold via an ETC. You hold this for a year and then convert the entire savings into one-ounce gold coins. What percentage of gold are you aiming for in your portfolio? My personal target is 10% gold, but I am currently at 13.2%, entirely in physical 1-ounce coins.

Another advantage of holding some gold in an ETC is that you can adjust the gold allocation more easily, while keeping the majority in physical gold. Personally, I find it best to keep physical gold at home. It's easy to hide and if you don't tell anyone about it, it's very safe.
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What does the price of the ETF represent? Is it the value of gold but in grams? oz? or what percentage of gold does one buy when buying 1 ETF?
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