Gold vs ISAs

Investing through an Individual Savings Accounts is a tax efficient way of growing or preserving your wealth. ISAs are easy to open and manage, but how do they compare to physical gold?

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The Numbers

The graph above shows gold plotted against an ISA account with an interest rate in the region of 2%, as offered by the best-paying ISAs.

 

On the graph we can also see inflation. £100k invested in 2006, due to inflation, needs to have the same purchasing power as £130k 10 years later. This means just to maintain the absolute value of your investment it would have to grow to £130k

 

GOLD: As you can see, £100k invested in gold is worth £286k today, a 186% increase in the value of your portfolio.

 

ISA: And £100k invested in an ISA does not gather nearly enough interest to make up for the loss in absolute value due to inflation. The actual value of your savings has decreased during this time.

 

Gold and ISAs are both considered “safe haven” investments, but gold has far greater built-in potential for growth. And with the financial world going the way it is, they’re also no longer as safe as many people think.

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Comparing ISAs and Gold

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Why Gold?

  • A proven asset in times of uncertainty

 

  • Reliable value thanks to its durability, rarity and status as an investment commodity

 

  • Several banks warning of an equity crash, leading to rise in gold prices

 

 

  • Physical, tangible asset

 

  • Invest without restrictions

 

 

Why ISAs?

 

  • Lots of consumer options

 

  • Not necessary to start with a large amount of capital

 

  • Stocks and shares ISAs exist and help small-scale investors to start investing

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Conclusion: Gold

ISAs are specifically designed to be a good way to store or invest small amounts of money, but the limits under which they are offered and the scale on which those investments operate limits their potential either as a storage medium or as a base for investment.

 

Gold is not only safer than an ISA, as it’s not tied directly to the unstable banking system, it is more lucrative, with a return that far outstripped other assets during the last decade.

 

All these factors make gold a powerful asset for the future, ideal for difficult financial times and for storing wealth for the long-term. If you’re looking protect your wealth against the uncertainty of the future, gold is an ideal investment.

 

For more information in investing in physical gold as a storage or investment medium for your wealth, contact The Pure Gold Company today or download an investor guide.


How to Buy Gold & Silver

  • Consultation

    From one of our dedicated specialists to understand what products are available and relevant to you. The extent of consultation is driven by you and is a good opportunity to ask us as many questions as possible. We listen to your circumstances and are happy to provide tax efficient solutions.
  • Purchase order

    When you feel comfortable and confident and you’ve had all your questions adequately answered you are able to complete a purchase order which is your instruction to purchase metals.
  • Payment

    In order to lock in the price and complete your order you can transfer funds via bank transfer or personal cheque. For smaller orders we may accept debit or credit cards.
  • Storage and delivery

    You can either receive your gold via our complimentary Insured delivery service or have your gold safely stored within a London Bullion Market Association (LBMA) vault whereby your metals are fully allocated, segregated and insured by Lloyds of London.

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  • Sir Geoffrey Leigh - Property Entrepreneur

    I found The Pure Gold Company knowledgeable and trustworthy and in my opinion wouldn’t hesitate to recommend them
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    These guys were patient and seemed to understand my situation well. They weren't pushy or salesy and gave me all the facts so that I could make my own decision. I was surprised at how straightforward they made the process and would certainly recommend The Pure Gold Company to anyone looking to invest in gold or silver
  • Oliver Shipton - Partner at Lee & Thompson LLP

    Having thoroughly researched the gold investment market I found The Pure Gold Company. They were knowledgable, transparent and kept it all very simple. My gold arrived the next day and I’m now discussing options for silver storage. I wouldn’t hesitate in recommending them...
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    A friend recommended The Pure Gold Company, as they have a reputation of assisting beginners, they were fantastic. They explained in detail how it all works and what options would best suit our circumstances. They guided us on timing and saved us 6% by waiting a couple of weeks
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Gold/Silver Graph