How Gold Could Change Your Life
Gold can help you with many aspects of your life.
For centuries, it has symbolized wealth, power, and security. But beyond the glitter and historical reverence, gold can have a real, transformative impact on your life — financially, psychologically, and even emotionally.
Let’s delve into how it might be able to help you.
1. Financial Security in an Unstable World
At its core, gold is a store of value. While currencies can fluctuate wildly, and stocks may soar or crash, gold tends to hold its ground. When you own gold, you're owning a tangible asset that has weathered economic storms, wars, and the rise and fall of empires. In times of inflation, geopolitical uncertainty, or financial crises, gold often shines brightest. For many, just having some gold tucked away provides peace of mind — a cushion against the unexpected.
If you’re into your numbers, here are two pieces of analysis you might like.
First up, in 1920, it took 305 gold ounces to buy an average home.
Now, in 2025, just 140 gold ounces (LESS than half).
I was shocked by the maths:
1920: New home: $6,300, Gold: $20.67/oz. (305 X 20.67 = £6,304)
2025: New home: $450,000, Gold: $3,225/oz. (140 X 3,225 = $451,500)
I thought property had done well!
More numbers for you:
The average annual performance of gold since 2000 in GBP has been over 10.6% per year.
That’s not a bad return. It’s worth pointing out that it’s also significantly higher than inflation
How does it compare with your other investments?
2. A Gateway to Generational Wealth
Investing in gold isn't just about short-term gains. It's a long-term play — one that can preserve and even grow wealth over decades. By holding physical gold or investing in gold-related assets, you can create a foundation for future generations.
Think of it as a timeless bridge between your current financial status and your family's future stability. Gold doesn't rust, decay, or disappear; it endures — and so can your legacy.
It's also worth mentioning that it’s an international asset, so wherever your loved ones end up living, gold is still valuable to them.
If you’re planning to leave them a property that they’ll never see (let alone live in and will probably want to sell), then leaving some gold (perhaps in the form of jewellery), could be something they genuinely want and have no intention of selling. It might have some sentimental value that other things just don’t have.
3. How Can I Invest in Gold?
There are many ways you can invest in Gold, here are some of them.
Physical Gold
It’s easy to buy it through a reputable dealer. You don’t have to take delivery but can buy gold and get it stored and insured away from your home. The dealer you bought it from can often do this (make sure they offer this service before you buy it).
In terms of ensuring that your dealer is reputable, I’d suggest you see which organisations they belong to (for example, the London Bullion Market Association (“LBMA”) and the British Chamber of Commerce) well as how long they’ve been operating. Perhaps also call them up to find out more about their service.
People get physical Gold for many reasons, such as their pension. It’s also worth pointing out that you can buy Gold coins, which in some cases are Capital Gains Tax (“CGT”) Free. If CGT is an issue for you, then this might be worth considering.
Funds (either mining companies or ETF’s)
In the case of mining company funds, these give you exposure to many different mining companies, so can be a good way of “smoothing out” the returns as the share prices of individual mining companies can be quite volatile.
In the case of ETF’s, there are many different types and you need to pick one that suits you. These can be a particularly useful way of getting short term exposure to Gold if that’s what you’re looking for (the costs of buying and selling can be very competitive).
Related: Can I Have Gold in My Pension?
Cryptos
This is obviously a relatively new area. Although some cryptos are backed by Gold, personally I’d rather invest in either the Gold itself or a crypto. All I would say is I’d feel more comfortable investing in a large established crypto such as Bitcoin (which although it’s depicted as a Gold coin (!) is not backed by Gold), rather than a much smaller crypto that I don’t know much about.
Mining Shares
There are many different types of mining companies. The large “multinational” companies invariably have lots of different mines as well as operate in several different countries. Although they might predominantly produce one metal, invariably they have several. The smaller (but often still very large) producers often focus on one or two countries and/or commodities. The next tier are smaller still (but still producing), these tend to be higher risk because they’re often either relatively new to production or only produce one commodity (often from one mine). Finally, you have the explorers. These vary enormously in terms of where they are in the exploration process, but do have the potential to deliver life changing returns if they make a major discovery.
This is very much a specialist area where I feel I can add a lot of value with The Gold Program because it not only provides you with a list of companies to choose from, but also the criteria that I (a professional investor) use to make my selections.
If you want to find out more about any of these routes then then please take a look at my website.
As I’ve just said, I run The Gold Program which is designed to teach people how to put a portfolio together to not only try and generate a decent return, but also give them the potential to change their lives.
4. Divisibility
Like cash, Gold is divisible. If you want to buy it in smaller denominations, you can. The price of gold obviously varies, but for less than a couple of hundred pounds, you can probably buy a small gold coin.
You don’t have to spend a lot of money.
Contrast this with say a house, where you’d have to spend at least £90,000 probably more. Not only that, but there’s a lot of costs in the buying process such as surveying and legal costs.
Imagine you need some cash – say £20,000. If the house is worth £300,000 you can’t sell part of it (try selling just the spare bedroom!). So if you only need £20,000 then you don’t want to have to sell something worth £300,000 to get it. Especially as it can take months to do the sale and there’s always the chance it will fall through. With Gold you can sell just £20,000 worth and keep the rest. Not only that, but you’ll be confident that you can sell it. The sale is very unlikely to fall through.
There’s also a timing issue. Although it may be a bad time to be selling some gold (or the property), at least you’re only selling £20,000 worth. There’s still a chance the market could bounceback and you’ve still got the rest. If you have to sell the property, not only are you selling it in a bad market, but if the market improves, you don’t benefit (you’ve sold it!).
Related: How Can I Try and Get Over a 10.6% Return on My Money?
5. Diversification and Opportunity
Adding gold to your portfolio helps reduce risk through diversification. It doesn’t move in sync with stocks, bonds, or property, which means it can provide balance when other assets falter.
You’re more diversified.
Beyond bullion, investing in gold mining stocks, ETFs, or even digital gold offers modern ways to gain exposure to the yellow metal. Each route can open new financial opportunities, depending on your goals and risk appetite.
I think it’s particularly relevant to pensions, a long-term investment where you’ve got no idea of what the circumstances will be when you’ll want to spend it.
6. Liquidity
Finally, it’s worth mentioning how liquid gold is. Even if you choose to buy some mining shares, you could easily put a highly liquid portfolio together of these (there are lots of listed companies). If you prefer lower risk, you could look at funds or physical gold – but keep that liquidity.
My point is really simple. It’s nice to have some very liquid investments (in addition to your cash), because you never know when you’re going to need it.
Having some Gold should provide you with some comfort.
In Conclusion
Unless you get particularly lucky with a junior mining share (such as Chalice or WA1 Resources) – see the graphs below - Gold won’t make you rich overnight. But it can change your life by offering security, legacy, empowerment, and financial resilience.
In a world of uncertainty, it’s one of the few constants — a timeless ally on your path to freedom and peace of mind.
I thought I’d mention the life changing aspect because it happened to me. Although I like to focus on lower risk opportunities, it’s also nice to have a bit of fun and put a small amount of capital into a handful of VERY high-risk shares.
Look at what can happen if you get it right! If you invested £1,000 into Chalice or £1,000 into WA1 Resources you could have changed that into £88,910 and £119,000 respectively.
Not bad eh!
Take a look at these graphs:
I invested in Chalice and it changed my life. I can now afford many things that were previously way beyond my wallet. It’s not only benefited me, but my family as well (I can afford a private education for my daughter).
In a nutshell, whether you’re looking to protect your savings, pass on wealth, or simply diversify, gold has the potential to be more than an investment — it can be a life-changer.
