Buying gold/silver instead of an ISA

poseidon1

With the over abundance of threads already running on this forum on the gold theme, have to wonder why this new OP has seen fit to open yet another. I am sure comments here, have recently been covered in the other threads.

Sovereign_Hunter_999

No one checks the old threads the interface is too bad to find things!

leonard_455

I want to add a slightly more technical angle. If you’re weighing gold and silver as an alternative or complement to an ISA, remember they’re physical assets with a track record of long-term stability, especially during inflationary or uncertain periods.
I’ve used Physical Gold, they offer a diversified range of low-premium bars and Royal Mint coins, plus a guaranteed buyback that provides daily liquidity, useful if you ever need to exit quickly. For long-term savings, pairing an ISA with a measured allocation to gold/silver can be a balanced, risk-aware strategy.

coyrls

You can put gold in an ISA but you can't put an ISA in gold.  Does that help?

Bostonerimus1

mrsspuddy said:

Hello
I'm wondering if buying gold/silver coins is  better than investing in something like an ISA, such as buying sovereigns from the Royal Mint.
Does anyone know if this is a better option for long term saving??

Do you want to hold physical gold, make sure it's CGT free and pay the RM premium up front when you can buy a "gold" fund inside an ISA? 

thunderroad88

Sovereign_Hunter_999 said:

No one checks the old threads the interface is too bad to find things!

A quick search for “gold” got me three recent threads in the first eight returned results…hardly an onerous task

Frequentlyhere

Speaking as someone who does have 5% in gold, then unless you have a fully fledged portfolio, don't invest in gold.

Its long run form scrapes at about inflation but it's also horrendously volatile. A simple world tracker will still be volatile, but at least historically delivers returns for your money.

The only reason I hold it is because it is volatile and for diversification, in the hope that it might rise when other things fall possibly, but even that's far from guaranteed.

I've been lucky that it's had a run up, but you don't have to go far back to see the problem. From about 2010-2015 or so, it fell about 40%, and for the whole of that decade it returned nothing even just in nominal terms.