Gold coin - a commemorative gift and investment

Gold coins are not just money. It is also a good gift for any person and for any occasion. And if you approach their choice and purchase correctly, then you can make another good 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 items of this type are divided into several groups:

• Formal coins. This is standard money, which, by law, are required to accept for payment in any retail outlets of our state. True, there is one nuance here - 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 equal 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 cost is set by the bank itself, but in the future it can both rise and fall - it all depends on its rarity and value for numismatists (coin collectors). Investing money for the purpose of enrichment in such products is very risky, but at the same time, if successful, it is very profitable.
• Investment coins - the weight of the metal, guaranteed by the state, in the form of a coin. The starting price of each coin is set by the Central Bank. Moreover, its cost 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 you are interested in investing in precious metals, it is worth considering investing in gold coins.

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

The quality of gold coins is usually defined as:

• Improved. Coins of this type have a shiny mirror surface. They are brighter, more presentable and modern. At the same time, the cost of manufacturing the product itself becomes quite high. That is why usually mirrored gold coins are those that are classified as commemorative.
• Excellent quality. Indicates that the coins have not been previously in circulation and have just been released. Their surface is also shiny, but does not have a mirror finish. Excellent quality gold coins are usually investment coins.

At the same time, depending on the plans and tasks of the Central Bank, commemorative coins can also have a mark of excellent quality, and, conversely, investment coins can be worn in the category of improved ones.

A gold coin, as it is already clear from its name, regardless of its type, is made from such a precious metal as gold.

But everything is not so simple here - certain impurities will certainly 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, the more precious metal they contain, the more profit they bring.

The value of precious gold items is initially determined by the bank itself. It consists of two parts - cost and margin. It is not profitable for the bank to sell coins only at cost - it is also interested in making a profit.

The cost is made up 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 personalized coins. Their further price may increase or decrease depending on factors such as the number of items produced, their value for collectors, and the year of issue.
• Investment coins prices are only growing, but how much is difficult to predict in advance. Typically, growth is 1 to 5% per year.

At the same time, the cost of investment items made of gold depends on the general state of affairs in the world market and the general increase or decrease in the price of gold itself.

If we talk from the point of view of making a profit in the future, then it is only worth buying and donating investment coins. On them, albeit slow, but the growth of prices is guaranteed. Commemorative coins do not have such a guarantee.

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

• Limited edition. The fewer items were produced, the more value they have for collectors.
• The coins have some kind of defect that makes them special.For example, an uneven pattern or a unique print. Such items are sold extremely rarely, and therefore are of great value.
• Coins were put into circulation a long time ago. The older, and most importantly, the less often such a product is found, the more expensive it becomes.

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

In recent years, there has been an increase in cases of buying counterfeit gold coins. As a rule, gold-plated silver items are sold under their guise.

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

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

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

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

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

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

Unfortunately, the value of investment and commemorative items made of gold does not always grow. In some cases, it may fall. If we are talking about investment coins, then this can happen for the following reasons:

• Initially, the product was overpriced.
• Too many products of the same type were released into circulation.

When it comes to commemorative gold items, then their price may fall for reasons such as:

• Improper appearance. Even coins that are too old and rare can be depreciated due to obscene appearance.
• At the same time, there are too many similar lots on sale.
• High coin wear.

All these reasons, one 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 investment for the future, you must follow the following tips when buying:

• It is better to purchase investment coins only in gold.
• Commemorative coins made of gold are best purchased without denomination (these are the so-called precious tokens). There is less spending, the benefits will be greater in the future.

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

If it is difficult to make a choice on your own, it is best to seek help from appraisers and professional investors who invest in precious metals.