What is The Best Time to Invest in Gold

This article discusses what asset class does gold belong to, what are its characteristic and trend behaviour. It also outlines what is the best time to invest in gold for both long term and medium term investors

This article seeks to set down what is the best time to invest in gold.

We will firstly determine the asset class that Gold fits into. Seondly, we will list down its characteristics and trend behaviour . Thirdly, we will discuss how does gold investment fit into your overall portfolio. Last but not least, we will nail down the all important question of What is the best time to invest in gold.

Asset Class

Generally, there are a few asset classes for your investment portfolio which you would need to be aware of. They are cash or cash equivalents, equities, bonds, real estate, commodities. Moreover, these can be further divided into sub classes. For example, commodities can be broadly divided into 3 sub classes of Precious Metals, Energy and other commodities, simply because all 3 have slightly different characteristics which justifies further classification. We can also divide equities into 3 sub classes. They are defensive stable dividend paying stocks, growth stocks, high risk speculative new venture stocks

For a balanced portfolio, it is always advised that you have some investments in all of the above mentioned classes.

So, which asset class does gold fall into. Gold is a very unique asset. It falls under the commodity class and specifically the precious metals sub class. However, it also can be cash or cash equivalents, as a universal store of value. In this respect, it can be traded as a forex pair like XAUUSD, XAUJPY.

Characteristics and Trend Behavior

We will discuss the characteristics for gold as an precious metals asset class, characteristic for gold as an cash or cash equivalent and its trend behaviour

Characteristic of Gold as a Precious Metal

The main characteristics of the commodity class is that it does not pay anything for holding it. It does not bear interest. Neither does it pay dividend. You make a profit mainly from the difference in the price you bought and the price you sell.

Another characteristic is that its value is primarily driven by market demand and market supply. For example, in the case of soy beans, when demand shifts up, the price goes up. And if, there is a supply shock, for example natural disasters affecting soy bean plantation, the price goes up too.

Another characteristic is that there is physical delivery of the commodity that is purchased.

However, Gold is also part of the sub class of Precious Metals which has an additional characteristic of this sub class. This is limited supply. Because it is mined, there is a limit to how much supply there is. You will find that this is especially so for the case of gold. So, in the case of gold, its price is determined more on the demand side, rather than the supply side.

Characteristic of Gold as Forex

On the other hand, its value is also determined by performance of other currencies. That is, when there is a crisis in Japan, gold expressed in japanese yen would go up much more.

Trend Behaviour to determine what is the best time to invest in gold

Gold will reacts to the following factors, namely crisis, currency devaluation and period of high inflation

a. Crisis

In periods of severe crisis, its appeal as a safe haven would cause the price of gold to skyrocket. This is because it is universally accepted and is impervious to what happens in the world. Therefore, in a crisis, when confidence is eroded, flight to safety would mean funds will start flooding into gold

b. Currencies devaluation

During times when fiat currencies are devalued, Gold will automatically rise against such currencies. So, for those who are in countries where their currency is being devalued, the best way for them to preserve their wealth is through gold holdings.

c. Period of high inflation

You will also find that Gold performs exceptionally well in times of high inflation, especially due to supply shocks. You will notice that it rocketed during the 1970’s oil crisis. What’s more, you see that it made an all time high (in real terms) in 1981 before drifting back down.

Furthermore, you will notice that inflation was going through the roof during that time. So much so, that the Fed chief at that time have to increase interest rates dramatically to curb it.

How It fits into your overall portfolio

You should have some exposure to gold as part of your portfolio. Gold is usually counter-cyclical. When equity prices is high and gold prices are low when the economy is steaming ahead, you would need to rebalance your portfolio. This is done by cashing out some of your other investments which seems over-extended and put into gold. This is to protect your overall investment portfolio, when troubles come and equities are taking a beating, your gold investment can help.

What is the best time to invest in gold

I believe you would have already guessed it from the above.

For long term investors

For long term investors, the best time to invest in gold would be during periods of calm before the storm. This is the time when the price of gold would be lowest. During this period, slowly accumulate gold. Hold off or slow down your purchases when the storm breaks. When the storm seems to being resolved, you can either opt to sell a portion of your holdings to lock in profits or wait for prices to come down before accumulating again.

For medium term investors

For medium term investors, the best time to invest is at the first sign of trouble and to get out at the first sign of resolution of trouble.

How to Start Investing

I prefer to invest in physical bullion for the long termFree Web Content, whilst engaging in short term trading in the forex pair XAUUSD.

You can download a free gold investment kit here to help you get started in physical bullion investing.

The Best Indoor Tanning Bed Lotion for Your Skin

Using tanning beds to maintain a warm glow throughout the year has many benefits, and these benefits can be capitalized on with the best tanning bed lotion. Choosing the right indoor tanning bed lotion can be a process, but it is important clients understand their skin’s needs to get the most out of a tanning session.

Tanning beds help clients achieve a warm glow without having to expose skin to direct sunlight, and the key to this process is the use of the best tanning bed lotion. Every client climbing into a tanning bed has different skin with different needs and the best tanning lotion for one is going to be different than for another.

The Importance of Tanning Bed Lotions

Indoor tanning bed lotions are different from the bottle one might take to the beach for a few reasons. The biggest difference is that even the best tanning bed lotions do not protect against UVB; they are designed to improve tanning under UVA lighting. Because of this key difference, indoor tanning bed lotions are not suitable for outdoor use and will not protect skin from harmful rays. On the same token, outdoor tanning lotions can reduce the results of a tanning bed session and oils found in the cream can be harmful to acrylics within the tanning bed.

Find a Skin Type

With different skin types come different needs. Individuals with darker skin are likely going to use a different product than those with pale skin. It is important to understand skin type when choosing the best tanning bed lotion for improving the tanning process while also keeping skin protected. Skin type can be broken down into a set of six classifications:

Type I: pale white skin, always burns and never tans.

Type II: white to light beige, burns easily with rare tanning.

Type III: beige, burns moderately and tans gradually to light brown.

Type IV: light brown, burns minimally and tans well to moderate brown.

Type V: moderate brown, rarely burns and tans profusely to dark brown.

Type VI: dark brown or black, never burns and tans profusely.

If a client is unsure of their skin type, indoor tanning bed salon staff should be able to assist in finding the best tanning bed lotion.

Choosing the Best Lotion

Once skin type is determined, finding a lotion that suits a tanner’s needs becomes a bit easier. Indoor tanning bed lotions come in creams, lotions, and sprays, and deciding on one type over another is largely based on individual preference. It is a good idea to invest in professional tanning bed lotions as over-the-counter lotions may not have the same nutrients and as those qualities found in professional brands. Two of the main types of tanning bed lotions include bronzers and tinglers, and each have their own unique features and outcomes. Bronzers boost skin darkness within two to four hours and can help clients achieve a dark tone they would otherwise not be able to achieve naturally. While this lotion type will have clients seeing an immediate bronzing, the effects fade within a week. Tinglers are considered a more advanced tanning lotion because they promote melanin formation, gaining their name from the tingling sensation users feel once this lotion is applied and the blood flow is quickened. Depending on the desired results, either of these can be considered the best tanning bed lotion.

It can take a series of trial and error to find the best indoor tanning bed lotion, but with some time, research, and help from indoor tanning bed staffArticle Search, clients will be able to find the perfect lotion to help them achieve a healthy glow.

Make Use of Beautiful Architecture to Acquire Multiple Benefits

Architecture plays the most crucial in designing all kinds of buildings and any other structures. It helps people to create a unique design and avoid the errors.

Whether you are planning for home redesign or building a new home, you should consider lots of vital aspects. When it comes to design, it is a fundamental element of almost every kind of development. Architecture Melbourne is an excellent science and art of designing physical structures. It is highly helpful, especially when you do not have enough idea about the design and functionality of your home. An average person can usually spend seventy-five percentages of their entire lifestyle in the home. Hence, it is essential to make certain that your living space will meet your needs perfectly.

Importance of home designing

It is the biggest and most crucial step that needs considerable investment. Most significantly, it is a crucial decision so that you can take care of it carefully. If you face any complexities in this process, you can look for professional assistance. The architecture firms Melbourne brings reliable home design solutions. Many people can do the designing job by themselves, so they are experienced lots of complexities while implementing it. Also, this process requires much effort and time from your side. The architects will let you have better assistance throughout the construction process. If you hire experienced designers, you can get a chance to grab endless conveniences.

Proper understanding of your requirements

The architecture companies can invest sufficient time to understand your lifestyle, dreams, and available space. They will also listen to their client’s requirements. After that, they can create an attractive design plan based on your needs and space. It can ensure that the results will bring you complete satisfaction. For further requirements, you can approach the designers and let them know what you do want in the completion of your construction.

Flawless designing

It is always helpful to hire experienced architectural firms that are worked previously on various projects. The previous experience let them understand the needs and deliver you the desired results. When you decide to choose the company, you can consider a few vital aspects, such as cost, experience, service quality, and more. These useful considerations help you to get affordable designing solutions.

Avoid designing errors

The reliable firm has a dedicated team of professionals who can create different design ideas on the paper. They are not only well-detailed but also get the design confirmed with house owners. These processes are carried out before being working on house design. It is pleasing news for everyone that these companies can let you know about the modern concepts in house architecture. Also, they can ensure that every design error is avoided. It is because few designing errors are both time-consuming and expensive. Hence, it is advised to approach the top company and avoid these unwanted occurrences.

Get professional assistance

It is a recognized fact that designing a residential space is a time-consuming and complex project. ThusPsychology Articles, it is helpful to choose experts with sufficient knowledge and professional experience. Choosing the right architectural professionals is a smart way to get the desired outcomes. Architecture Melbourne has everything to ensure that you will get the result that is entirely in line and also exceeding your expectations. There is an option available for property owners to suggest their creative ideas. The architectural experts can include your best ideas into their house designing process. These professional ranges of services aid you in making your dream come true within your budget. It not just save cash and time but also bring you a dream living space.