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Gold is money. Everything else is credit.

J P. Morgan

I recently converted all my holdings to gold, or more precisely a gold ETF, PHGB – ETFs Metal Securities Ltd Physical Gold.


This can be a controversial choice. My reason’s: my finances are going to be in a state of uncertainty for the next year or so and I’m not confident of the markets performance in the short term.

If the markets drop, I can potentially ride a gold price increase or sell my holdings and buy stocks or funds at discounted value.

If the markets remain unchanged or rise, I shouldn’t lose too much value in my investments.

In my current circumstances, my investment strategy is to mitigate risk, retain value and potentially take advantage of opportunity if it should arise.

I review my investments and the markets regularly. It helps that I am a Finance Professional, but I would strongly recommend everyone regularly review their investments and personal circumstances. Seek advice (free) if you are not sure. Read finance blogs – I like the Motley Fool – https://www.fool.com. Educate yourself, read books, play trading games.

There is a wealth of free and paid financial education material out there. You just have to focus and spend the time on it.

The desire of gold is not for gold. It is for the means of freedom and benefit.

Ralph Waldo Emerson