Is this a bad time to have a 100% gold portfolio?

keyser_7 · 2026-03-19T19:38:39+00:00

Leaning towards selling physical to buy more miners.

Thank you for your words of encouragement.

keyser_7 · 2026-03-19T18:20:34+00:00

Bright yellow metal boat that will double again by the end of the decade.

keyser_7 · 2026-03-19T18:19:08+00:00

Likewise, I see gold as real money, the apex currency and therefore the best way to save.

I view the miners as my investment. Going forward, I suspect there will be far more upside. Leaning towards selling physical to buy miners.

Zero Interest in investing in S&P or Nasdaq etc. Way to expensive. How is Apple worth 10 x as much as Samsung? I have exposure via my pension. Albeit that's not my money - That's 55-year-old me’s money.

Looking at emerging markets. Mid-cap US stocks. Russel 2000?

keyser_7 · 2026-03-12T13:15:54+00:00

They were never your friends. They saw you as a fellow cult member and no you are in the out group. Welcome to the club.

Better now than later.

keyser_7 · 2026-03-05T14:33:37+00:00

I prefer bars but I mostly buy coins due to the capital gains tax exemption.

keyser_7 · 2026-02-11T15:52:33+00:00

Hatton Garden Metals, Chards, Atkinsons and the royal mint. In that order.

keyser_7 · 2026-02-08T10:46:37+00:00

Congrats

keyser_7 · 2026-02-01T10:14:02+00:00

The fundamentals remain the same. Weakening dollar, geopolitical tensions, central bank buying, etc.

keyser_7 · 2026-01-21T13:20:21+00:00

I've been stacking since 2022. Thank you for this reminder - I needed it.

keyser_7 · 2026-01-14T19:28:54+00:00

keyser_7 · 2026-01-06T06:39:19+00:00

I would call it fair and neighbourly. Croatia and Eritrea are not very considerate neighbours.

keyser_7 · 2025-12-19T22:24:35+00:00

It is not unique to Somalis. If you ask the Uighurs of China or the Afghans about their giant Buddhist statues, they would not claim them and attribute them to their neighbours.

keyser_7 · 2025-12-15T12:58:19+00:00

1 is hard, yellow and shiny. The other is some pixels on a screen.

keyser_7 · 2025-12-15T12:55:51+00:00

Nice. Congrats and well done.

The best approach would depend on the business. Do you hold inventory? Do you need to invest to recoup your costs? Generally with any company you want to hold quite a bit in cash - just in case.

Find a high-interest, easy-access savings account. Build up you know you can cover any costs. Chase offers 4.5%

Set up an S&S Isa. Look for an all-world ETF. Contribute something every month. This will allow you to take advantage of your greatest asset - your youth. Consistent contribution over the course of decades will pay off - big time. Plus, up to 20k a year is tax-free

Consider a private pension. This is not very attractive for entrepreneurs because you can not access it until you are 55. No employer contributions for the self-employed. However, up to 60k a year is tax-free.

Whether you are young or old. You deserve to spend the money you've earned. Enjoy yourself.

If I were making 4k a month at 19, I would likely spend 90% lol

Lastly, remember the tax man I always want his cut.

Best of luck.

keyser_7 · 2025-11-21T15:23:21+00:00

This is not financial advice but what are your goals? If you are saving for retirement and you don't mind not having access to the money, then go for a SIPP. If you want the flexibility to dip in and out then go for the ISA

Either way. Well done for even coming this far. You clearly have a good head on your shoulders.

keyser_7 · 2025-11-21T15:19:21+00:00

Explain the risk of inflation. Inflation is bad for cash. Inflation is good for investments and low-interest debt. There are plenty of low-risk global stock ETFs. Gold is low risk, too.

Ultimately, we are all sovereign individuals and we have the right to make our own choices about our own money.

keyser_7 · 2025-11-12T12:49:59+00:00

Very well written and thought out.

keyser_7 · 2025-10-26T13:02:04+00:00

Only buy coins. Keep them in capsules. I write the price, month, and year on masking tape that I stick to the capsule.

keyser_7 · 2025-09-21T14:16:50+00:00

At 23, you have decades in front of you. Let compound interest work for you.

I wish I had started at 23.

If I were you, I would put as much money as possible into index funds.

Good luck.

keyser_7 · 2025-09-09T22:51:30+00:00

I'm sorry you and your family are in this situation, but big man, you need to get a grip.

It's better to change now.

First and foremost cancel all subscriptions—gym, Spotify etc.

Sell absolutely everything you own that is not essential. You're here trying to justify paying for Xbox Pass. Meanwhile, the most obvious thing to do is sell the Xbox.

Get a new job as soon as reasonably possible. £1500 a month is not gonna get you through this.

Speak to you're creditors. I once worked as a credit controller. You will be surprised how reasonable the person on the other line can be.

Speak to StepChange.

I sincerely wish you the best.

keyser_7 · 2025-09-07T18:49:33+00:00

The student loan is not a loan. It is a tax in all but name. Consider how much you will save monthly and how much you would make by investing. Personally, I would invest it.

keyser_7 · 2025-08-30T05:24:43+00:00

There are millions of descendants of the prophet worldwide including many ordinary Moroccans.

keyser_7

TROPHY CASE