How Are Gold Prices Determined?

Determining Prices with the LBMA

On March 20th, 2015, the LBMA Gold Price replaced the historic “London Gold Fix.”

- About the LBMA -

The LBMA is an independent, electronic auction, conducted in USD

- About the LBMA -

They meet daily at 10:30 AM and 3:00 PM London Time

- About the LBMA -

Consists of multiple banks, ICE Benchmark Administration, a panel of internal and external chair members, and an oversight committee

- About the LBMA -

Gold price is adjusted based on financial review in real-time:

45-second anonymous auction rounds Price fixed when all buy/sell orders and imbalances are within 20,000 troy oz

Defining Spot and Future Pricing

Real-time traders rely on various pricing models to estimate gold’s potential investment value.

Spot Price

A purchase price that represents future value expectations, not the current price of physical bullion.

Future Price

Typically electronic, potentially volatile trading contracts that set the price of gold at a certain amount to be bought or sold in a particular time.

- Defining Spot Pricing -

Spot Pricing is priced for immediate settlement in a specified currency

- Defining Spot Pricing -

Spot Price changes daily, sometimes minute-by-minute

- Defining Future Pricing -

Future Pricing is increasingly higher over time, as compared to spot price

- Defining Future Pricing -

Future Pricing considers risks posed by the uncertainty of future supply and demand conditions

COMEX is the primary market for trading metals such as gold, silver, copper and aluminum, as well as the world’s largest physical futures trading exchange.

You Should Know

3 Main Factors Affecting Gold Pricing

In addition to the LBMA pricing process, these external conditions influence how gold prices are determined:

• Gold Supply • Changing Markets • Currency Devaluation

When gold consumption increases, so does the price

Gold Supply

Decrease in demand drives prices down significantly

Gold Supply

Even in struggling markets, gold’s proven value can bolster investment portfolios

Changing Markets

As demand for gold rises during tough economic times, prices increase

Changing Markets

When currency loses value in relation to other currencies, investors turn to gold

Currency Devaluation

Increased demand drives prices up

Currency Devaluation

Learn More Benefits of Investing in Gold

Weighing Your Gold Investment Options

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Weighing Your Gold Investment Options Pros & Cons

With an abundance of available gold investments, understanding these distinctions will secure a strong portfolio for your needs:

• Gold ETFs & Stocks • Bullion Coins & Bars • Numismatic Coins

Gold ETFs & Stocks Pros

Backed by physical gold (ETFs)

Electronic/paper, no physical storage

Quicker transaction, short-term hold

Unredeemable for physical gold

No protection against market volatility or company earnings (mining stocks)

Potential to lose all value (bankruptcy)

Purchases & sales must be reported to the IRS

Gold ETFs & Stocks Cons

Backed by physical gold

Hedge against market volatility & inflation

Some coins & bars eligible for self-directed IRA

Preserved or increased value

Bullion Coins & Bars Pros

Tend to be more volatile due to speculation

Only worth market price of metal content

Potential for government confiscation

Bullion Coins & Bars Cons

Not a private asset

Financial privacy

Never worth less than spot value

Potential to appreciate in strong or weak precious metal markets

Possess value beyond precious metal or bullion

Investment Grade Coins Pros

Not eligible for self-directed IRA

More expensive upfront investment than bullion

Investment knowledge learning curve

Investment Grade Coins Cons

Don’t Wait to Buy Gold

Buy Gold and Wait!

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