主题:【原创】炒金记 -- MRandson
这是我在fatwallet上看来的,觉得满有用得的。
Credit goes to gandhis on fatwallet
Type A: Buy Physical gold
Generic Cons for physical gold
Long term Gains are also taxed at 30-33%
Gold has some industrial/ornamental usage but for the most part, Gold by itself is not a productive asset. It does not earn interest, does not earn dividend. In fact, it costs money to hold it.
Option A1: Buy from local coin dealer.
Pros:
no shipping risk
probably good customer service
Cons:
Wider spread when buying/selling
You will have to worry about storage
Option A2: Buy from mail order / internet
Pros:
slightly lower spread when buying
Cons:
Wider spread when selling
Shipping risk
You will have to worry about storage
Possibly bad customer service
Option A3: Buy Perth Mint Certificate An century old storage backed by Australian govt.
Pros:
Smaller spread
No shipping risk
Very low credit default risk
No storage worries
Cons:
2% transaction fee for buying. 1% for selling
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Type B: Buy Digital gold
Generic Pros for digital gold
No shipping/storage risk
Easy liquiditiy
Low commission
Option B1: Buy the ETF called GLD
Pros:
Very small spread
Very low credit default risk
Cons:
Long term Gains are also taxed at 30-33% unless held in retirement a/c
Option B2: Buy the fund called CEF. It is 55% gold and 45% silver.
Pros:
Biggest PRO: Long term gains are 15%
Pays dividend (very very little)
Cons:
You will pay anywhere between 6-9% premium to NAV but maybe worth it given tax benefit
Option B3: Buy Gold CD's from Everbank.com
Your return will wildly differ from the price of gold but principal may be safer. (may not be FDIC safe)
Option B4: Buy goldmoney.com units.
I have not researched this option but may be worth looking into.
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Type C: Buy Gold mining stocks
The performance of mining stock may be better or worse than the performance of Gold for quite a few reasons such as
1. how smartly did the company hedge its gold production (biggest concern)
2. management factors such as making a stupid acquisition (notice the recent drops in KGC,GG) or making a smart decision (notice spurt in GLG)
3. There are some gold pure play (eg NEM) but a lot of Gold mining companies also mine other metals (eg BHP, AAUK etc) So their stock performance also depends on general economy and how other metals perform.
Pros:
No storage worries
Some stock generate dividends (such as AAUK)
Long term gains are taxed at 15%
Cons:
Some gold stocks are traded on bulletin boards and border on pump-n-dump frauds.
Mining operations are prone to social / environmental activism
Political risks in countries where mines are located. A lot of Latin American countries are leaning Left and giving headaches to mining companies. Notice fluctuations in PAAS leading up to elections in Peru and the rise of Mr. Hamala
- 相关回复 上下关系8
🙂GOLD Finally starts to pour out! erha 字0 2007-07-31 07:48:27
🙂飞人兄: erha 字58 2007-04-11 08:10:16
🙂看了大半年了。最近有点手痒。 erha 字330 2007-03-15 12:45:09
🙂在美国买黄金的选择
🙂这上面有点错误 1 laozhong 字411 2007-03-12 19:27:39
🙂Some info is wrong finmas 字342 2007-03-28 09:10:44
🙂我可能说的不清楚 laozhong 字189 2007-03-28 12:56:05
🙂From irs.gov page finmas 字1138 2007-03-28 14:14:21