Invest in Gold

1. Choose the right gold product for you

Different gold products offer different benefits. Are you sure you know which type of gold best matches your investment goals? If not, click below for more information on gold products.

Bullion bars & coinsBullion bars and coins could be an excellent choice for investment. Premiums on bullion — particularly bars — are low and can get even lower as the size of the bar increases. Bullion and coins can also attract tax benefits, but this varies from region to region.Numismatic coins & other collectiblesNumismatic coins and collector items, such as medals, typically hold additional worth beyond their gold content because of their design or scarcity. Investment jewelleryJewellery made of highly pure gold qualifies as an investment in many markets. Pieces are often sold by the gram, but luxury brands can hold additional value. Managed gold productsOwn your gold outright and avoid storage issues. When you buy bullion, collectibles, and jewellery you will have to arrange safe storage. Managed gold products are kept safely in professional vaults on your behalf.

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2. Confirm the product you're buying is legitimate

The process of buying gold is unregulated but easily navigated with guidance. If you need help determining whether a product is genuine, use the list of safe practices below.

Bullion bars & coins Obtain a certificate of ownership in writing. Obtain a certificate of authenticity proving your gold’s purity.Numismatic coins & other collectibles Verify collectibles through an independent grading service. Check the serial number of any professional grading service online or by phone.Investment jewellery Check jewellery for hallmarks and ensure the gold content is pure. Demand proof of the jewellery’s melt value. Managed gold products Confirm whether you own specific pieces of gold or share ownership in a ‘pool’ of allocated gold. Check whether you can withdraw physical gold from your managed product on request and the fees for doing so.All Confirm if third parties are involved in the sale. If so, research their legitimacy, too.

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3. Evaluate the costs & fees

When you’re buying gold, understanding the associated fees is paramount. Are you positive that you’re aware of the total cost involved in your purchase? If not, reference the below list.

Sale price Make sure your seller explains their sale price, including any premiums.Purchase fees & commissions A common cost associated with most gold purchases. Delivery fees Having gold delivered to you or a professional vault? Delivery fees may apply.Insurance Bullion, collectibles, and jewellery should be stored in an insured vault at extra cost. Managed gold products — including vaulted gold and savings plans — charge ongoing fees for storage and insurance.Selling fees Understand what potentially selling your gold involves.

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4. Recognise sales & marketing pressure

You should never feel pressured into buying gold. If you ever interact with a seller employing any of the below tactics, be wary of their intentions.

bullet list item Cold calls or emails from ‘banks’ and ‘authorities’.bullet list item ‘Zero risk’ advertisements and over-promising. bullet list item Limited-time deals or threats of losing savings without investment.bullet list item Remember: false marketing is not always aggressive and obvious. Be cautious.

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5. Verify the seller is legitimate

Make sure you’re buying from a trustworthy seller and that your rights are secure. Do you know whether or not your vendor is genuine? This checklist can help.

Confirm the company has a physical address. Confirm the company can be contacted via phone and email. Confirm the company is registered with the national business registry. Check whether the regulator or consumer protection bodies have issued any warnings to the company. Understand the legal implications of working with an overseas company. Enquire about insurance. Any gold deliveries should be insured, including managed gold products (which are stored on your behalf). Managed gold should be stored with well-established vault operators.

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How the World Gold Council helps you

The World Gold Council works with governments and industry to give gold sellers a set of principles.

These voluntary principles work side‑by‑side with this five‑step guide to help sellers meet your expectations. They also give you the added confidence that gold sellers can be held to a comprehensive set of standards.

Click see more for a list of the principles and the positive behaviours they encourage.

1. Fairness and integrityThe seller answers any questions you have, their marketing is honest, and their prices and trading practices are fair.2. TransparencyThe seller’s pricing is clear and detailed.3. Protection of client assetsThe seller has all the insurance they need to protect both your gold and cash balances.4. Responsible gold sourcingThe seller uses trustworthy suppliers and sells responsibly sourced gold.5. Regulatory complianceThe seller actively follows all regulations that apply to them.6. Commercial prudenceThe seller has a plan in place to keep your gold safe even if they stop trading. 7. Operational professionalismThe seller runs their business in a responsible way and provides both online and physical security.

The complete guide to buying gold safely

For more detailed information on gold products and finding the right gold seller for you, download our full investor guide here.

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