Precious Metals Investment in 2025
As we step into a new year, it’s a perfect time to reflect, evaluate, and plan ahead. At Bleyer Bullion, we’re here to support you in making informed decisions about your precious metal investments.
In this article, we’ll recap key trends from 2024, look at market performance, and share insights to help you navigate 2025 with confidence.
Reflection and Planning
January is ideal for taking the opportunity for reflection, an opportunity to pause and take stock of resources. To consider new learnings and changes of circumstance, since the last plan was made. Time can then be taken to gather any further information needed in order to revise as necessary and make better-informed decisions.
Tax Changes and Portfolio Adjustments
Throughout 2024 Bleyer helped a number of customers ensure that their precious metal portfolios were as tax efficient as possible. Some portfolios built under more favourable circumstances needed revising.
Over recent years the government has slashed the Capital Gains Tax allowance with further cuts expected. This made it even more important for clients to pay attention to all associated selling costs and tax that impacts them.
Read 'UK Autumn Budget 2024: Key Takeaways and Impact for Investors'
Consequently, we had a great deal of interest from those moving assets from property and into gold UK legal tender CGT exempt coins. We also helped many others switch from bars to coins.
Clients are attracted to silver coins for their future trading potential as a versatile alternative to cash. Bars can be a good way to buy cheaper silver, but this has the downside of being subject to CGT when you exceed annual allowances.
Read 'What Bullion Is Capital Gains Tax Exempt?'
Performance Overview
Gold and silver have both had a very positive year through 2024. However, any market can have a good year, so it’s always worth looking at the bigger picture. Average gains over 5, 10, 15 and 20 years for gold have been 13%, 11%, 13% and 13% respectively*.
Over the same 20 year period, performance for silver shows similar annual gains over 5, 10, 15 and 20 year periods with average growth of 13%, 10%, 13% and 13% respectively*. Please note that these figures do not take account of purchasing and selling overheads, higher for physical silver than gold, so you should expect a lower overall gains.
Analysis and outlook
With impressive gains over the past 12 months, it might it be reasonable to believe that prices are likely to pull back from here. However, past performance tells a different story. Over the past 20 years, gold has only had three negative years and silver eight. Years showing losses were not preceded by years of high gains and the gains we see now, are not exceptionally high. Overall, as long as you allow your investment sufficient time, it would appear that performance is virtually guaranteed to be consistently decent.
Geopolitics, governmental fiscal policies and sound portfolio balancing make precious metals a must for many. Our clients favour assets that they can physically own and control. They tend to be people who understand that in these days it is imperative to actively take responsibility for your wealth, health and happiness, we are proud to serve you all.
Customer Support
I am blessed to have such a skilled and committed team behind me here at Bleyer. Melissa and Leo do a wonderful job of managing everything on the front line, with many others helping behind the scenes.
The praise received through phone messages, emails and on our feedback platform Feefo, is heartwarming. Thank you so much for taking the time to express your gratitude and refer your family and friends. We do our best to take great care of them.
As we enter 2025 the outlook for precious metals continues to look strong. It simply remains for me to wish you a very Happy New Year and prosperous 2025.
Here To Help
Bleyer offers expert consultancy and welcomes appointments with customers looking for a personal service either face to face, by phone or online. Give our expert team a call on 01769 618618 or email [email protected].
