Gold coin - a memorable gift and investment

Gold coins are not just money. It is also a good gift for any person and for any celebration. And if you approach their choice and purchase correctly, you can still make a good investment investment. But for this it is necessary to take into account many nuances - the chemical composition, authenticity and the very value of the coin. We will talk about these subtleties in this article.

Currently, all gold products of this type are divided into several groups:

• Formal coins. This is standard money, which, by law, must be accepted for payment at any retail outlets in our country. True, there is one caveat - their price is equal to the face value, that is, if the coin indicates that the face value is 10 rubles, its value will be equivalent to this amount. It doesn’t matter that the metal itself is ten times more expensive.
• Commemorative Gold Items - these are those that are issued by the mint in honor of some memorable event or important date. Their number is always strictly limited - from 100 to 25,000 pieces. At the same time, the initial value is set by the bank itself, but in the future it can both grow and fall - it all depends on its rarity and value for numismatists (coin collectors). It is very risky to invest money to enrich such products, but at the same time, if successful, it is very profitable.
• Investment coins - the state guaranteed metal weight, issued in the form of a coin. The initial price of each coin is set by the Central Bank. At the same time, its value increases every year in accordance with the interest rate.The net profit on such an investment is not too high, but it is stable and guaranteed. If there is interest in investing in precious metals, it is worth considering the contribution to gold coins.

Gold coins are not only made of the highest quality precious metal, but also have a truly flawless appearance. The explanation is simple - only modern, expensive equipment is used for their minting.

The quality of gold coins is usually defined as:

• Superior. Coins of this type have a shiny mirror surface. They are more vibrant, presentable and modern. At the same time, the cost of manufacturing the product itself becomes quite high. That is why usually gold coins of a mirror type are those that belong to the category of commemorative.
• Superior quality. It means that the coins were not previously in circulation and have just been issued. Their surface is also shiny, but does not have a mirror shine. Gold coins of superior quality are usually investment.

At the same time, depending on the plans and objectives of the Central Bank, commemorative coins can also have a mark of excellent quality and, conversely, investment coins can be classified as improved.

A gold coin, as its name implies, is made of such a precious metal as gold, regardless of type.

But this is not so simple - certain impurities will necessarily be present in it, which affect both the quality and the cost of the product itself as a result.

Of course, the higher the percentage of gold, the higher the value of the coin itself. If we talk about investment products, then the more precious metal they have, the more profit they bring.

The cost of precious gold jewelry is initially determined by the bank itself. It consists of two parts - cost and margin. It is unprofitable for a bank to sell coins only at cost - it is also interested in making a profit.

Cost is the sum of the type of coin and its weight. The higher the sample of the product and the heavier it weighs, the higher the price will be.

The further cost of the product is determined depending on its type:

• Commemorative or registered coins. Their further price may increase or decrease depending on factors such as the number of products released, their value to collectors, year of manufacture.
• Investment coins they are only growing in price, but it’s difficult to predict in advance how much. As a rule, the growth is from 1 to 5% per year.

At the same time, the cost of investment gold products depends on the general situation on the world market and the general increase or decrease in the price of gold itself.

If we speak from the point of view of making profit in the future, then only investment coins are worth buying and giving. On them, albeit slow, but the price increase is provided. Commemorative coins do not have such a guarantee.

There is one interesting bonus - a margin for exclusivity, which can, under successful circumstances, increase the cost of a product tens or even hundreds of times. Such a collection margin can be found in both commemorative and investment coins issued by the Central Bank. It appears in cases such as:

• Limited edition. The fewer products released, the more valuable they are for collectors.
• Coins have some kind of defect that makes them special.For example, unevenly applied drawing or a unique print. Such items are sold extremely rarely, and therefore are of great value.
• Coins were issued a very long time ago. The older, and most importantly, the less common such a product, the more expensive it becomes.

But here it should be understood that products with such a mark-up are of interest only to collectors-numismatists. They have no special value for the bank.

In recent years, cases of buying fake gold coins have become more frequent. As a rule, they sell silver products with a gold plated under their guise.

It is simply impossible to determine the authenticity of such a product independently, without experience, skills and some special devices. Therefore, there are two options:

• Make purchases only at a bank or specialized departments where there is a license for this type of activity and corresponding certificates for each product. You can buy gold coins at proven investment sites, including Raritetus.
• Find a specialist in evaluation and each time you buy a gold coin, contact him for help.

Making transactions to buy or sell gold moment is not such an event and a place where you need to act only on trust.

Gold coins can and should not only be bought, but also sold. In particular, you can sell these products in several ways:

• Contact your bank or specialized retailers directly. In this case, it is best to sell investment products.
• Contact a numismatic club. In such places there are professional appraisers, and there is the opportunity not only to sell investment and commemorative coins of gold, but also to purchase something for your collection. So, the Raritetus club buys any gold coins.
• Take advantage of electronic bidding. Here you can also sell products of both types, but the plus is that the seller can set the minimum price himself.

You can also resort to the usual services of buying and selling any items, although in this case the risk of running into scammers is too great.

Unfortunately, the value of investment and memorabilia from gold is not always growing. In some cases, it may fall. If we are talking about investment coins, then this can happen for the following reasons:

• Initially, the cost of the product was overpriced.
• Too many similar products were put into circulation.

If we are talking about commemorative gold items, then their price may fall for reasons such as:

• Inadequate appearance. Even too old and rare coins can depreciate due to indecent appearance.
• At the same time, there are too many similar lots on sale.
• High coin wear.

All of these reasons, alone or in combination, have a significant impact on the decline in the value of gold coins.

In order to knowingly invest your money in a gift or in an investment for the future, you must follow these tips when buying:

• Investment coins are better to buy only gold.
• Commemorative coins made of gold are best purchased without a face value (these are the so-called precious tokens). Spending less, there will be more benefits in the future.

And the purchase should be made only at the bank or special outlets. Having decided to invest in gold coins, it is necessary to study what is the supply and demand for a particular product now, as well as to monitor the dynamics of growth or decline in its price in recent years.

If it’s difficult to decide on your own, it is best to seek the help of appraisers and professional investors who invest in precious metals.