Gold, a staple in a 'green' investment portfolio

In the face of the climate emergency, the economy is tending to decarbonise at a rapid pace. Against a backdrop of rising taxes on polluting industries, a study shows that increasing the share of gold in a diversified investment portfolio reduces its overall carbon footprint without affecting returns.

EU data confirm that Europe experienced its warmest summer ever in 2022 and that global temperatures over the past eight years have been the highest since records began. The pace of global warming urges a drastic reduction in greenhouse gas emissions. This is the only way to avoid the catastrophic consequences associated with climate change.

Given this reality, the process of decarbonising the economy is such an urgent priority that it is conditioning a large part of current political, business and investment decisions. In this regard, a report by the consultancy Urgentem concludes that the inclusion of gold in a diversified investment portfolio “can have a positive impact on portfolio performance from a climate transition perspective”, as it reduces the overall carbon footprint of the portfolio without impacting returns. 

More gold, fewer emissions

The study analysed how diversified investment portfolios with different asset mixes would have performed over five years to determine how the inclusion of gold impacts the risk-return profile and the overall carbon footprint. 

Their conclusion is that, for example, in a portfolio with 70% equities and 30% bonds, devoting 10% of that portfolio to gold would reduce emissions by 7% while increasing the percentage of gold to 20% would reduce emissions by 17%. Furthermore, there are clear indications that the inclusion of gold in the portfolio improves the risk-return profile.

Although none of the asset mixes analysed would achieve the zero emissions target by 2050, the ones that would come closest would be those that include a higher percentage dedicated to gold. In fact, the only ones that manage to reduce emissions are those that devote at least 20% of their investment to gold.

In terms of the contribution of investment portfolios to the projected global temperature rise up to 2100, gold would also play a very positive role in mitigating its climate impact. The study estimates that devoting half of the portfolio to gold would result in a 40% reduction (more than 1 °C) in the warming generated by that portfolio. A portfolio with 70% equities and 30% bonds would generate an increase of 2.96 °C, while a portfolio with 45% equities, 5% bonds and 50% gold would only increase it by 1.76 °C.

What if emissions’ taxes were raised?

One of the main policy tools to curb climate change and accelerate the transition to an emission-free economy is the taxation of greenhouse gas emissions. In this respect, analysis of carbon dioxide prices shows that a higher proportion of gold will help reduce the market risk for a portfolio. The more stringent emission reduction policies become, the more desirable it will be to increase the share of gold in the portfolio.

The authors of the study admit that the limited time frame (five years) of the data initially collected and the relative outperformance of gold over this period may have biased expectations of gold returns, but they caution that longer-term analysis also confirms the favourable effect of gold inclusion on the return profile of the portfolio, albeit to a lesser extent. 

Moreover, the report’s authors assume that an investor inherits a substantial proportion of the carbon footprint associated with gold mining and production. Their forward-looking analysis, therefore, allows them to assess how much portfolios would be affected by the potential decarbonisation of this precious metal.

If you want to discover the best option to protect your savings, enter Preciosos 11Onze. We will help you buy at the best price the safe-haven asset par excellence: physical gold.

Gold is a strategic safe-haven asset that continues to play a key role in diversifying investment portfolios. Throughout history, it has remained the ultimate store of value, precisely because it maintains or increases in value during periods of economic uncertainty.

For any investor, allocating all his savings to a single asset is very risky because it exposes him to the ups and downs of a single market. That is why it is recommended to diversify investments across assets so that gains in some securities can offset unexpected losses in others.

One characteristic of gold that sets it apart from most financial assets is that its demand comes from various quarters, from central banks and private investors, who accumulate bullion and coins of this precious metal, to the jewellery industry and electronic device manufacturers, who use it in the creation of their products.

This is precisely the reason for its intrinsic value, which carries no credit risk, cannot be inflated, and has remained unchanged throughout history. In other words, unlike fiat currencies, gold is not subject to devaluations caused by monetary policies or economic factors.

This unique characteristic makes it particularly attractive for diversification and return on savings in times of economic uncertainty. Gold’s ability to maintain its relative value in the face of currency fluctuations makes it a trusted asset for investors and households seeking protection against inflationary risks.

We are seeing this in the current economic context where, for example, for many Chinese families, buying gold has become the safest investment, given that the real estate sector has collapsed and the stock market and currencies have lost their stability. Francesc Canals, correspondent for TV3 and Catalunya Ràdio in Beijing, explains how in recent months, the shopping centres dedicated to the sale of gold “have become veritable pilgrimage centres for Chinese families seeking to invest the savings accumulated during the years of pandemic confinement”.

The strategic role of gold

A report published by the World Gold Council (WGC) on 28 March details the three key attributes that make gold the ideal asset to complement and enhance an investment portfolio.

Generating long-term returns. Historically, it has had positive long-term returns, both in good times and in economic downturns. The diversity of its sources of demand gives gold particular resilience and the potential to generate strong returns in a variety of market conditions.

Diversification that works. The value of many assets follows the same pattern as market uncertainty increases and volatility increases. This is not the case for gold, which has a negative correlation with increased selling of equities and other risky assets.

A large and liquid market. The gold market is large, global and very liquid. The WGC estimates that investors’ and central banks’ holdings of physical gold amount to approximately $5.1 trillion, to which must be added $1.0 trillion in open interest through derivatives traded on exchanges or over-the-counter (OTC).

If you want to discover the best option to protect your savings, enter Preciosos 11Onze. We will help you buy at the best price the safe-haven asset par excellence: physical gold.

It is the most effective and, at the same time, the simplest savings trick. Very few people know about this strategy, but once you discover it, you can’t stop using it. We are talking about pre-saving by transfer.

With low salaries, precarious lives and a thousand expenses, how do you manage to save? We explain a method that will help you achieve financial independence. Of course, you will have to be mentally prepared, emotionally trained, and this is perhaps the most difficult part of managing your own finances. Because the advice we will give you needs perseverance and persistence, two virtues that Spanish citizens do not always demonstrate, judging by the data.

In Spain, more than half of the population does not manage to save more than 50 euros a month, and those who do save do not usually increase their balance by more than 200 euros. The issue, experts warn, is not that we don’t have money to save, but that we don’t know how to do it. That is why dozens of methods are invented that claim to be the ones that will really fix our situation: cutting expenses, using apps… But none of these methods is as effective as pre-saving.

Save before you spend

The formula is straightforward, because it has only two steps. The first step is to open a second account, a savings account. The second step is to ask your financial institution to make an automatic transfer to the savings account at the beginning of the month, once you receive your salary. You can start with 5% of your income.

The trick is so effective precisely because it is so simple, because you don’t even think about it. This way you don’t have to rack your brains thinking that you are not meeting the detailed spending budget you have set for that month: the money simply disappears before you can spend it. Moreover, as this money will automatically go to another account, you will be too lazy to move it again. Before you know it, in two months you will start to see the balance in your savings account steadily increase.

If you want to wash your clothes without polluting the planet, 11Onze Recommends Natulim.

Gold mines exist on every continent except Antarctica, often in remote and impoverished areas. World Gold Council data show that responsible gold mining contributes to the economic and social development of many local communities.  

Gold has been a unique precious metal with great emotional, cultural and financial value throughout history. In addition, gold has an increasing number of technological applications, including in mobile phones, medical test kits and airbags for vehicles. 

Gold resources are also a key source of opportunities in many developing countries. As a World Gold Council report shows, responsible gold mining generates numerous jobs, facilitates the construction of infrastructure and contributes to the development of local communities, as well as bringing in substantial revenues through taxes and royalties. 

Well-paid employment

Analysis of the operations of 31 of the 32 member companies of the World Gold Council shows that in 2020 they were responsible for nearly 200,000 direct jobs and 1.2 million indirect jobs in 38 countries. In addition, the reuse of wages earned in the gold supply chain supports a further 700,000 jobs in the wider economy. 

Workers in the gold industry are well paid, averaging six times the national average wage. And it should be noted that 95 % of the employees belong to the country where the mine is located. The percentage of expatriates has halved in the last seven years. 

Development of local communities

Companies in the sector recognise the mutual benefits of integrating as much as possible into the local economy, using indigenous people and supply chains. This underpins their “licence to operate” and allows the community to benefit from the economic and social development of the mine.  

Indeed, operating in an isolated enclave with the local community’s back turned is no longer a viable option for any mining company. To be successful, they must generate sustainable benefits for local people, especially in the poorest and most remote locations, where there are often few alternative avenues for economic activity and community progress. 

This has meant that by 2020 the World Gold Council’s member companies spent more than €430 million on community investment. In addition to meeting the needs of a gold mine, it is clear that investments in roads, water, and electricity supply are of long-term benefit to businesses and communities in the area. 

We must add €7.6 billion paid in taxes and royalties, which go back into improving public services, education, health, and infrastructure in the countries where the mines are located. In many developing countries, these taxes constitute a significant proportion of the national tax base and benefit both mining and non-mining areas. 

A significant contribution to GDP

In total, the contribution of these companies to the GDP of the 38 countries where they operate is estimated at around 40 billion euros. For every euro of gold production, at least 63 cents ended up as wages, taxes, or income for local business owners.  

While historically mining operations have not always led to improvements in the human and social development of local communities, there is a growing trend towards strict environmental, governance and social protocols as a condition of operating. As a result, the gold industry is becoming an important economic and social driver for many countries around the world. 

If you want to discover the best option to protect your savings, enter Preciosos 11Onze. We will help you buy at the best price the safe-haven asset par excellence: physical gold.

Deposits of value are assets, currencies, and commodities that do not devalue over time. Gold and other precious metals have historically been the ultimate stores of value, while in recent decades the major shortcomings of fiat currencies have become apparent.

As Investopedia notes, “a store of value is essentially an asset, commodity, or currency that can be saved, retrieved and exchanged in the future without deterioration in value” when we exchange it for goods or services: if it is worth ten apples today, we should eventually be able to exchange it for at least ten apples anytime in the future. 

Gold and other precious metals have been considered throughout history as the quintessential stores of value because they have a virtually unlimited lifetime. And, if we look at the evolution of gold prices over the last decades, we see that an ounce has gone from trading below $300 when the euro came into circulation in 2002 to over $1,900 today. 

On the other extreme, perishable commodities such as apples are lousy stores of value because they decompose within days and lose all their value. Although certain commodities, such as those in the food sector, may temporarily rise in price depending on the market situation, their perishable nature prevents them from being considered stores of value.

Modern money fails as a store of value

Obviously, the euro and other fiat currencies are very poor stores of value because they do not appreciate in value at the same rate as the products and services they are used to purchasing. Although our currencies should be a reasonably stable store of value, inflation means that the coffee we used to buy in a bar for one euro a few years ago now costs us considerably more. Our money is depreciating by the day.

Richard Nixon put an end to the gold standard in 1971, which until then obliged the countries of the International Monetary Fund (IMF) to maintain a fixed exchange rate against the dollar and the US Federal Reserve to back its currency with gold. Since then, we have been using fiat currencies, i.e. currencies that are legal tender but are not backed by any valuable asset. All central banks can manufacture money as they see fit, and their only collateral is the trust of the public. 

Logically, if the amount of money in circulation increases at a higher rate than the goods and services that can be purchased with it, the imbalance between supply and demand causes prices to rise. Therefore, our money is devalued.

A reasonably stable currency is essential for a healthy economy. A poorly functioning monetary unit as a store of value discourages saving and hinders trade. Its ill effects are obvious if we have a look at the cases of hyperinflation that some countries have experienced throughout history.

Precious metals as a safe haven

For more than two millennia, many economies have used gold and other precious metals as an exchange currency because of their durability, relative scarcity and ease of transport. Moreover, in recent decades gold has played an important role as a safe haven asset. Its demand has tended to soar in times of economic uncertainty, as evidenced by last year’s data, the highest demand since 2011. Gold’s long experience attests to its ability to serve as a long-term store of value. 

In general, other assets such as real estate, works of art, antiques and certain collectables have also shown that they can play this role. Although their value may fall at times, they tend to appreciate in value over the long term, thanks to more or less constant demand and a very limited supply. 

Their major disadvantage compared to gold is that they are very illiquid assets: it is difficult to sell them immediately if we want to do so for a reasonable price. Moreover, these markets require a good deal of knowledge and suffer particularly in economic downturns, when there is a greater tendency to turn to stores of value.

What about crypto-assets?

It is more difficult to assess whether crypto-assets will ever be considered stores of value, as they are too new. It is true that bitcoin is based on the principle of scarcity, a characteristic of stores of value: a limited number of bitcoins are generated each year and there is a predetermined cap. However, like so many other crypto-assets, its major drawback is that it has no intrinsic value. Almost all of its value is currently subjective, which is fertile ground for volatility. 

However, as bitcoin becomes widely accepted as a means of payment and is used in an increasing number of transactions, its value will strengthen and the likelihood of it becoming a long-term store of value, beyond occasional volatility, will increase.

If you want to discover the best option to protect your savings, enter Preciosos 11Onze. We will help you buy at the best price the safe-haven asset par excellence: physical gold.

The price and demand for gold have reached record highs over the past two years and show no sign of faltering in 2024. Central banks added 39 tonnes of gold to global reserves in January. We analyse the main macroeconomic factors affecting stock markets and their implications for investment assets such as gold.

Although gold demand during 2023 fell slightly short of the annual record achieved in 2022, the latest report published by the World Gold Council (WGC) confirms that it was another year of massive gold purchases by central banks.

Annual gold demand (excluding OTC) of 4,448 tonnes was only 5% lower than the previous year. Including OTC flows, it stands at 4,899 tonnes, the highest recorded since 2010. While annual net purchases of 1,037 tonnes almost matched the 2022 record, falling just 45 tonnes short.

Despite some fluctuations during the year, the price of gold rose 15% in 2023 to an all-time high of $2,135.40 per troy ounce on 4 December. The US banking crisis, geopolitical tensions, war conflicts and the US Federal Reserve’s stance on maintaining interest rates were among the main factors contributing to gold’s continued safe-haven status for investors.

Thus, yet another year confirms that the gold market continues to receive support from central banks of countries that want to diversify their reserves to shield their economies, which suggests that gold prices could continue to rise significantly throughout this year.

Central banks start the new year adding more gold to their reserves

According to IMF data, central banks’ global gold reserves increased by 39 tonnes in January this year. This is more than double December’s net purchases and the eighth consecutive month of net purchases.

Turkey’s central bank was the main buyer, adding 12 tonnes of gold to its reserves for a cumulative total of 552 tonnes. It was followed by the People’s Bank of China, which continued to accumulate the golden metal at a steady pace, increasing its reserves by 10 tonnes, the 15th consecutive month of gold purchases by the Chinese central bank.

Meanwhile, on Tuesday 5 March, the price of gold reached a new all-time high of $2,140.6 per troy ounce, surpassing the record set at the end of last year. Well into 2024, economic and geopolitical uncertainty persists.

Inflation has fallen, but the world faces similar challenges to those of recent years. The WGC notes that the rebound in gold purchases in January supports its forecast that “2024 will be another solid year for central bank demand for gold”, and warns that “the world looks no less uncertain”, so “the reasons to own gold are as relevant as ever”.

The impact of the current macroeconomic environment on the gold market

With the Federal Reserve (Fed) and the European Central Bank (ECB) expected to cut rates from June, and given that monetary and fiscal policy is one of the main drivers of precious metals prices, elections in the US and elsewhere may directly impact gold prices.

Let’s not forget that gold prices experienced a major rally in 2020, increasing in value by nearly 25% just before the US presidential election. Likewise, when Barack Obama left office in 2017, the gold price was 40% higher than when he took office in 2009.

In a recently released WGC podcast discussing the current macroeconomic environment, Karim Chedid, Head of EMEA Investment Strategy at iShares and Managing Director at BlackRock, notes that “in the context of the election calendar, historically, a traditional safe-haven asset such as gold tends to perform well and is likely to be in demand this year”.

As for the outlook for global economic growth, after a year marked by contraction or stagnation of some economies, with the European Union narrowly escaping recession, and a slow but stronger-than-expected recovery in the United States, Russia and Asia, many analysts expect growth to slow down despite falling inflation. Still, Karim Chedid explains that this will depend on the region, “for the global economy, we forecast that growth will continue to be low” but in regions such as Europe, “there will be an upward trend”.

Key factors of portfolio performance

BlackRock has introduced a framework it calls “asset allocation drivers”, which go beyond macroeconomic factors but will continue to play a key role in the economy over the long term. These are energy transition, artificial intelligence, geopolitical fragmentation, the future of finance and demographic ageing.

“Each of these major forces influences growth, influences inflation and therefore influences interest rates and asset allocation,” says the BlackRock executive. That said, Chedid reminds us that during 2023, “central bank gold purchases were a more important driver of growth than money flows”.

The correlation between stock and bond returns has been positive for much of history but is periodically negative and, as Chedid points out, “unreliable” right now, making the importance of diversifying our investment portfolio with physical gold more relevant than ever. An observation that is in line with Goldman Sachs’ analysis from December last year, when it predicted a rise in the performance of commodities such as gold over the next 12 months.

To discover the best option to protect your savings, enter Preciosos 11Onze. We will help you buy the safe-haven asset par excellence, physical gold, at the best price.

Spanish banks are the ones that pay their clients the least for their deposits. Currently, several academics attribute the responsibility for the Great Inflation of the 70s of the 20th century to the fact that citizens stopped seeing their savings remunerated, pushing them to spend and boost inflation.

Spanish banks pay 0.04% for their clients’ demand accounts and 0.64% for deposits. They are, by far, the stingiest in Europe since in the EU they pay, on average, 70% more. This happens while posting record profits. The data not only speaks of crazy greed on the part of the Spanish banking system, it could also be a threat to the economy as a whole. And the reduction in the remuneration of savings was key to causing the Great Inflation of the 1970s in the United States, with a devastating effect on economies around the world.

Fewer returns, more spending

All this is explained in a scientific article by economist Itamar Drecshler, professor at the University of Pennsylvania and author of the aforementioned article, in collaboration with two researchers from New York University. In the article, the academics propose a rereading of the triggers of one of the biggest financial crises in history, which took away the savings of millions of people. Then, the inflationary period lasted from 1965 to 1982 and reached 14%.

At that time, a series of factors came together that terribly affected the economy: the enormous public spending to pay for the Vietnam War with the consequent abandonment of the Gold Standard due to the impossibility of supporting that volume of debt; the oil crisis and also a wage-price spiral that was chasing and pushing each other. All of this could not be brought under control until Federal Reserve Chairman Paul Volcker aggressively raised the price of money, pushing the country into a recession, to restore the Fed’s authority.

But there is one more element on the table that, until now, had not been pointed out as responsible for inflation and that could have had a lot to do with it. In 1965, financial legislation known as Regulation Q was implemented. In practice, it imposed a limitation on the remuneration of savings, which limited citizens from benefiting from possible interest increases. Penalizing savings in this way caused many people to stop seeing any point in saving, so they preferred to spend. As a consequence, the increase in demand caused prices to rise. Inflation evidently had the effect of reducing savings even further, because more money was needed to buy previously cheaper consumer goods. This spiral intensely damaged the United States economy and spread internationally.

History repeats itself?

The current scenario has points in common with what was experienced in the 70s or, at least, some errors are being repeated. The main thing could be to penalize citizens’ savings in an inflationary cycle. Because both the Federal Reserve and the ECB have already decidedly raised interest rates, but the banks have not passed this on to their clients. In this context, it is worth remembering that in 2021 inflation in Spain was 3.1%, in 2022 it was 8.4%, and in 2023 it returned to 3.1%. This implies an average price increase of 14.5% in 3 years. But, in addition, we must take into account that for some basic products in the shopping basket, prices have risen by more than 30%. If we add the very high public spending to support the ongoing war conflicts, we have a panorama surprisingly familiar to what happened in the 70s. And, not learning from historical mistakes, banks continue to be driven by greed instead of passing on the benefits to client returns generated by the ECB’s high interest rates.

One of the best options at an individual level to begin to stop this spiral is to find savings formulas that avoid excessive consumerism that further fuels the inflationary whirlwind. At 11Onze we strive to offer options so that our users do not see their savings degraded. We do this through products such as Preciosos 11Onze’s Gold, but also through products such as Litigation Funding that 11Onze recommends and that allow us to achieve profits of more than 9% for the money contributed. What, without a doubt, does not help stop inflation is spending our savings on products overvalued or letting the money dwindle in accounts without returns.

If you want to discover the best option to protect your savings, enter Preciosos 11Onze. We will help you buy at the best price the safe-haven asset par excellence: physical gold.

Although it experienced some fluctuations throughout the year, the price of gold rose 15% in 2023 to an all-time high of $2,130.20 per ounce, more than offsetting the headline inflation of 3.1% in Spain.

In February 2022 we launched Preciosos 11Onze, offering members of our community the opportunity to buy gold to protect themselves against inflation. Rising prices caused by geopolitical uncertainty and the energy crisis, together with currency tension due to the loss of value of the euro against the dollar, caused many families to lose much of their purchasing power.

In addition, having money in a bank account had become a problem, as bank fees on money held in current accounts were excessive and remuneration on savings was at a record low after a year of negative interest rates.

This led to a flight from deposits by many families who decided to diversify their savings by taking their money out of banks in favour of other products and investments offering higher returns. In this context, buying gold was not an investment or an instrument of speculation, but one of the few options people had to safeguard their money.

In that first year of Preciosos 11Onze, year-on-year inflation in Spain was 8.4%, while gold appreciated by 9.5%. This increase in the value of the golden metal more than compensated for the rise in prices, solidifying its reputation as a true safe-haven asset that protects our savings, especially in times of economic crisis.

Gold prices reach new all-time highs in 2023

Against a backdrop of high-interest rates, the US banking crisis, geopolitical tensions, military conflicts and emerging market demand, gold outperformed expectations to reach its record price of $2,130.20 per ounce on 4 December, rising in value by 15% over the previous year.

This is a much higher return than other low-risk savings or investment options, such as time deposits or Treasury bills. More importantly, it more than offsets the 3.1% headline and 3.7% core inflation in Spain in 2023.

Looking ahead, the gold price is likely to remain bullish through 2024. Geopolitical tensions continue to worsen in the Middle East, raising near-term inflationary risks. According to a Reuters survey of 30 analysts and market participants, gold prices will rise during 2024 from this year’s average.

On the other hand, the Bank of Spain forecasts that economic growth will be slower this year and that inflation will remain around 3.3%. This means that, for yet another year, Preciosos 11Onze’s gold will once again be an optimal choice for correcting inflation and safeguarding our savings.

If you want to discover the best option to protect your savings, enter Preciosos 11Onze. We will help you buy at the best price the safe-haven asset par excellence: physical gold.

Moltes llars tenen joies d’or o altres peces d’aquest metall preciós que amb el pas dels anys han perdut la seva brillantor. L’or gairebé no s’oxida, però la brutícia acumulada pel contacte amb la pell i cosmètics pot malmetre el seu aspecte. T’expliquem com netejar i cuidar les teves joies d’or amb productes naturals.

L’or pot perdre la seva lluentor natural pel contacte amb el pH de la nostra pell o per reaccions amb substàncies líquides, com el clor de la piscina o altres agents nocius. Per a mantenir l’esplendor de les peces d’or, es recomana netejar-les amb un drap blanc de cotó, com fan els joiers a l’hora de manipular-les, evitant així que el contacte amb la pell els hi resti lluentor. Existeixen moltes maneres tradicionals, naturals i efectives de netejar les teves peces d’or. A continuació t’expliquem alguns dels trucs clàssics per retornar la brillantor a aquest metall preciós:

Netejar amb sabó

• Barrejar unes gotes de sabó de rentar plats suau amb aigua tèbia en un recipient.
• Submergir la peça d’or al recipient durant uns quinze minuts una vegada estigui llesta la mescla. Veuràs que les impureses es desincrusten soles.
• Retirar la peça d’or del recipient i esbandir bé amb aigua tèbia.
• Assecar-la bé amb un drap suau.
• Repetir aquest procés tantes vegades com creguis necessari.

Recuperar la lluentor amb vinagre

• Barrejar en un recipient ½ tassa de vinagre blanc i 2 cullerades de bicarbonat de sodi
• Submergir les peces d’or que estiguin brutes o hagin perdut la seva lluentor, durant dues hores.
• Esbandir les joies d’or amb aigua freda i assecar-les amb un drap suau. També es pot fer servir una camusa abrillantadora.

Preservar la brillantor amb bicarbonat de sodi

• Barrejar tres cullerades de bicarbonat en un recipient amb un dit d’aigua tèbia. Remoure fins a formar una mescla consistent.
• Aplicar aquesta mescla sobre les peces d’or que vulguis netejar.
• Un cop aplicada la mescla sobre les joies, tirar un raig de vinagre per activar l’efervescència que desprengui la brutícia de les joies.
• Esperar uns minuts i retirar la mescla
• Esbandir amb abundant aigua tèbia, assecar les peces d’or acuradament amb un drap suau.

Or blanc o amb acabat mat

En cas que tinguis una peça d’or blanc o or amb acabat mat, has d’evitar fer servir una camussa per donar brillantor. L’or blanc consisteix en un aliatge d’or pur, de color groguenc, i altres metalls preciosos més blanquinosos, com poden ser el platí, níquel, etc., als que s’hi afegeix un bany de rodi. Per tant, netejant aquestes peces amb una camussa, podries eliminar el bany de rodi o aconseguir una brillantor no desitjada en una peça amb acabat mat.

Guarda or amb or, no barregis metalls preciosos

Per a preservar la lluentor de les teves peces i joies d’or no les guardis al costat d’altres joies o peces en plata o un altre metall. Guarda i classifica les teves peces de valor segons la composició del metall: or amb or, platí amb platí… Evitaràs que l’or o altres metalls s’enfosqueixin i així també faràs que es conservin millor, amb tota la seva lluentor.

Lingots d’or i monedes de col·leccionisme

Els lingots d’or, com els que pots comprar amb Preciosos 11Onze, acostumen a venir precintats o empaquetats amb un blíster termo-segellat que porta un codi certificant el seu origen i autenticitat. Això es fa per certificar i preservar el seu valor, tant quan els compres com a l’hora de vendre’ls. Tot i que pot ser temptador trencar el blíster per tocar la peça amb les nostres mans, no és recomanable. 

Les monedes d’or comprades com a inversió també venen empaquetades, però rarament precintades. Així i tot, no és recomanable la seva manipulació per la possible contaminació de la peça i risc de malmetre la moneda quan es neteja. A més, cal tenir en compte que les monedes de col·leccionisme, especialment monedes antigues, poden perdre una bona part del seu valor si es netegen i perden la seva pàtina original.

Si vols descobrir la millor opció per protegir els teus estalvis, entra a Preciosos 11Onze. T’ajudarem a comprar al millor preu el valor refugi per excel·lència: l’or físic.

The low yields offered by traditional bank deposits are pushing people to look for safe alternatives to avoid money depreciation. 11Onze offers savings ranging from small to large amounts, always with very low risk.

One of 11Onze’s objectives is to help its community protect their savings and purchasing power. This means trying to get a return on their money, and doing it safely. Currently, 11Onze accumulates proposals that allow you to save from €225 to more than €125,000. We review all the options in a conversation with 11Onze’s product manager, Isaac Sène. In this podcast, we discover not only the current products, but also the three new products that will be made available to the community.

Savings options for everyone

Which savings option suits you best? Choose one based on the minimum capital.

• €222. This is the cost of the Vienna Philharmonic gold coins.
• €3.000. Buy gold from Preciosos 11Onze. Bullion in custody or at home. In the first year of pooled purchases, Preciosos 11Onze has proven that it is able to protect savings from inflation.
• €3.000. Investing in 11Onze, as El Gran Salt investors did.
• €4.000. Available soon. A new product linked to gold. Discover it by listening to the podcast.
• €25.000. Available soon. New product from an external supplier. All the information soon on 11Onze Recommends. Find out more clues about this fund with the principal sum insured and returns above inflation.
• €125.000. On 11Onze Recommends, you can find all the information about Guaranteed Funds. Yields between 2.5% and 165%.

Security at the core

Saving with 11Onze is always based on one maxim: they must be safe propositions. That is why we have made a firm commitment to gold, because of its historical role as a store of value. The fact that money cannot be lost is also clear with the products selected by 11Onze Recommends, funds that guarantee the capital invested. But the clearest proof that security is at the core is provided by El Canut. The 11Onze current account does not work like a normal bank account, which can use the money from the deposits for its expenses. The 11Onze accounts are off-balance sheet, because that is how Electronic Money Institutions (EMI) are regulated. In addition, there is an insurance that guarantees 100% of the amount in the accounts.

What else will 11Onze bring to your community in the near future? The product manager, Isaac Sène, warns that “the next step will be crypto”. Of course, as always, with security at its core.

If you want to discover the best option to protect your savings, enter Preciosos 11Onze. We will help you buy at the best price the safe-haven asset par excellence: physical gold.