2015 - which precious metal will see the best return?

Hi,

my wife and I are looking to improve the balance of our investment portfolio - and we are looking to invest into precious metals (for both our super fund and day to day investment).

From research we understand investors in precious metals should spread across high volume (like silver and Gold), and also across weights. I am currently, however, more attracted to Platinum as I feel it is slightly undervalued compared to the high volume precious metals.... So I am looking for broad, impartial advice and guidance. If someone had $20K today to invest in precious metals, with a view to hold it and trade it possibly in first 12 months, what would you invest in?

Guidance, input greatly appreciated....

Cheers

Richard

 

Guidance!

Lookout for the

Welcome anyway.

 

Thanks Silver Soul

I am really after opinions I guess, the decision in the end is mine. And these forums are sometimes a great way of sorting the wheat from the chaff... of you know what I mean

 

Silver or Gold, Platinum isn't liquid

And welcome

 

Sure it is, just not as liquid in the physical form

 

I would be licking my lips for gold @ $1000usd if it gets there. As for the 12 month trade thingie! Forget it.

 

Not if you melted them down

 

Now we are starting! And thanks so far for the input

Gold at $1000us is great, issue being for us (as metals are a commodity) as our $ weakens then price for us goes north (but I could be totally wrong). And why not 12 month thing? I know for my super it is long term, but we can't see spikes? Like a 10-15% increase in price is a good time to trade? (again I could be totally off tilt here - hence my ambition to learn).

My investments today have been predominantly in bricks and mortar - but the growth cycle there (along with government charges) make it not as fruitful I believe.....and certainly not liquid

 

You mention super fund so that negates the 12 month scenario. Live off the $20,000 which cost you about $30,000 in pretax income. Take the next earned $30,000, taxed at 15% for super and stick $25,500 of physical silver into your super fund. Stick to 10oz bars, cheap and liquid. Don't listen to anyone else.

 

A lot could happen in 12 months its incredibly hard to say. If I had to make a choice I would buy silver due to the high GSR and since it has fallen a higher % then gold since the last run up. I don't particulary believe any metals would be a good choice with an outlook of only 12 months and the overall trend that last few years has been down.

Depending on how cheaply you get the PMs a 10-15% price increase isn't much and barely covers the premiums and loss while seller. Are you planning to purchase physical?

 

Ha ha ha , very funny.
Who have uses the most here and have over 12000+ posts??? Hint..
Piss on my pant now, I cant stopped laughing.

 

Sammysilver - the $20k was more for now (personal savings). My SMSF will introduce precious metals outside of this. I am not sure what I am going to put into the SMSF yet - but we are in our 40's, so we have access to some $$ there for it just to sit for the next 20 years (and build it year in year). I should have been clearer.

Great advice - might be OK if I can PM you?

cheers

 

Yes I was planning to buy physical, although there are unallocated allotments that can be purchased and sold at small % below spot price (like 2%). And the purchase price is around 3% up it looks like.

I know the gains are marginal, and that the real benefit is in holding on long term. I guess I was being greedy and thinking perhaps some might do better (and I appreciate I am not nostrodamus )

I tell you what though, a few hours here has given me more to think about that a couple weeks bouncing round the internet.....

 

First thing to do, is talk to a professional.
Then, talk to another.
So, ring and ask for Joe at Goldstackers.
Then talk to another at Perthbullion.

Tell them, exactly what your on about, and they will steer you in the right direction.
Then, sit back and make a decision, act on it, marvel at the pile you have, keep learning and keep on keeping on.

That way, you have only yourself and wife to rely on, and remain independent, otherwise, your gonna go round in circles.

 

Cheers Raven, I plan to do that But this is also a way of getting impartial advice - I know there will be mixed opinion, and no right answer. I also know the decision is ultimately ours, but through this post I am learning more about what I want to discuss - and I have also gained some clarity on which professionals I can go to.

Great advice and feedback - and thanks for giving me a name at Goldstackers

cheers

 

I think PGMs have the greatest upside potential but with that territory comes greater risk. Currently Pt is almost 1:1 with Au and I see no reason that it can't rise above that in the next 12 months. Remember though, that in 2012 Pt went below Au for about a year so it could really swing against you.

 

Au:Agtd
10:5:1.5:0.5.

This ratio in $ terms is a good strategy

In oz that would be currently about - roughly

10:350:1.5:0.75

Don't listen to the nonsense about PGM and lack of liquidity or non - monetary metals.
My Pd has outperformed all my investments.
The political risks of PGM production is very enticing.

 

Palladium. I expect negative 12 month returns on the other pms.

 

My only advice is don't confuse your proposed speculation with investment. It is not.