Money Gold Silver

Investing in double eagle coins is a definitely a wise investment decision; as of 2009, coin collectors have illustrated a serious desire for gold double eagle coins because of their impressive resiliency. Now, ultra high relief coins are accessible; these coins have a face value equivalent to twenty dollars, and the United States mint recently minted an additional 2,200+ that coin investors can invest in. This actually ups the total of available gold double eagle coins to more than 82,900+ coins.

As a testament to the appeal of double eagle coins, one will find that the Mint from the United States has sold well over 816 thousand of the gold double eagle coins this year alone. The newest, ultra high relief gold double coins were just offered in January of 2009; these coins are offered with 24 karat gold and thus they prove intensely desirable to the coin collector.

When a coin collector invests in Double Eagle Coins from the United States Mint, he or she gets the coins in a beautifully crafted box. The box one receives is made of the finest mahogany wood material, and the coin collector gets a full color brochure detailing the new piece that they will be adding to their existing coin collection. The coin collector will find that the interior of the box is fully line with a soft velvet to keep the coins protected during shipping and display, and a special platform inside the box makes for super easy coin presentation too. Every coin weighs in at a full troy ounce or just over 31 grams. The gold double eagle coins possess a diameter equivalent to 27 millimeters, and a thickness equivalent to four millimeters. When compared to other US Minted coin options, these coins can prove to be as much as fifty percent thicker.

These coins come crafted with an eagle on the reverse side of the coin, and a liberty design on the obverse side of the coin; the same designs found on the original Saint-Gauden’s double eagle coins crafted in the year 1907. These coins have been digitally replicated and enhanced to offer a finer design, more stars, and a superior edging to the coin as well. These coins are marked with MMIX: the Roman numerals indicating the present year and the minting date of the coins.

To learn more about Gold Double Eagle Coins, I recommend you checking out Double Eagle Coin . It is a specialized American Double Eagle coin for sale site, offering a great selection of gold Double Eagle coins for sale. This website makes finding your dream American Double Eagle coins a million times easier. Be sure to try this website before you buy.

Shortly after Columbus discovered the ‘New World,’ vast amounts of gold were discovered in Mexico. Once turned into coins, Spanish fleets transported the gold coinage through the Gulf of Mexico to deliver to the King and Queen of Spain. Often, these fleets encountered danger, running into hurricanes, losing ships and the precious cargo.

In 1810, Miguel Hidalgo declared independence from the rule of Spain, although full independence of Mexico was not achieved until 1821. From 1821 to 1917, Mexico went through considerable political upheavals. The coinage remained based on Spanish coin types until the adoption of decimal currency in 1864 based on the peso.

Some of the most beautiful gold coins in the world are the Mexican Gold Peso Coins. The Mexican 50 Peso coin (also known as “Centenario”) is definitely the most striking one.

The 50 Peso coin was issued from 1921 to 1947 honoring the 100th anniversary of Mexico’s independence from Spain. “El Angel de la Independencia” (the Angel of Independence) is pictured on the coin, with a laurel wreath in her right hand and broken chains in her left. The 1821 on the lower left commemorates the year of Mexico’s independence. The date on the right indicates year of mintage. The reverse of the coin depicts the Mexican coat of arms, a Mexican golden eagle devouring a snake while perched atop a cactus.

When Americans regained the right to own gold bullion in 1974, Mexican 50 Pesos, quickly become one of the gold bullion industry’s standard bearers. It is the ideal coin for gold buyers who want low premium gold coins, coins that have small markups over spot.

Where to find the most up to the minutes deals of 50 Pesos and other Mexican Gold Coins?

The rapid increase in the purchasing of American gold coins over the past year is due to the weakening of the dollar and fears of recession. Precious metals are what everyone’s looking towards when finding new ways to invest their money.

Gold is the hot item right now as the amount of American gold coins sold this year is well over the 550,000 mark and climbing. This year continues to be the strongest year for the sale of bullion coins since Y2K in 1999.

People are snatching up all the gold coins they can as paper currency continues on a downslide. People are protecting their wealth with gold since it is an investment that you are able to keep on your person, or whatever you choose to do with it.

Having something to hold on to is much less risky than investing in stocks or bonds and in case of an emergency you have the security of knowing it will always be of value in almost any country or situation.

American gold coins are a favorite of investors and collectors alike. They come in 1/10oz, 1/4oz, 1/2oz and 1oz sizes, are made of 22 carat gold and are guaranteed by the U.S. Government to contain the stated amount of weight. They are also very popular due to their beautiful design.

Gold double eagles are one of the more popular and sought after makes of American gold coins. Dating back to the 19th century, these coins were part of the foundation of the U.S. economy and were used by all; they were not just for the rich.

The Liberty Head Gold Double Eagles stand for all that America is about and are a sign of our powerful nation and economy. It’s amazing to think that when these coins were first created they were face value. A $20 dollar Liberty Head was worth the going rate for gold back then of around $20 dollars an ounce.

Saint-Gaudens Gold Double Eagles may be one of the most sought after coins on the market today. Aside from the beautiful design of the coin, this was also one of his last pieces of work as Saint-Gaudens was in ill health when he created this coin. A renowned sculptor that Teddy Roosevelt was friends with, Saint-Gaudens created this coin for America that turned out to be his last project which is why many collectors pay top dollar for the chance to own one of these American gold coins.

The best way to proceed when looking to invest or collect American gold coins is to find a good company that has years of knowledge and experience in the industry. Make sure you do some research on your own and ask plenty of questions to make sure they are familiar with their products. Like anything, experience on the job is extremely valuable and by being familiar with current and past market trends, having extensive numismatics knowledge and the ability to properly convey sound advice, are all key elements that an expert should have in order for you to invest with them.

omes to investing your money, you’ll probably know by now that you have numerous options to choose from.

In fact, it can feel like a bit of a minefield and sometimes you may not know if you’ve made the right choice.

Should you choose a bond fund, equity fund, property fund or a money market cash fund? Or any other type of fund?

So, what is a Money Market fund?

They are essentially unit trusts that aim to provide investors with an income from risk-free, short-term cash and cash-like holdings.

Some investors have been selling their share funds and have opted for security by pouring millions into these types of funds. In our experience, this type of investor will tend not to have a proper risk assessed portfolio, rather a collection of disparate investments, and may be doing it all themselves.

The money manager of their choice will place this money into bank deposits, certificates of deposit*, very short-term fixed interest securities and floating rate notes**.

Most Money Market funds require relatively low minimum investments - typically around £500. They are also quite low-charging, typically with no initial charges and an annual management fee between 0.25% and 0.50%.

So, in short, these funds are cheap, accessible and low risk. In these turbulent investment times, what could be better?

However, if you are paying an annual fee for a Money Market fund, it would be reasonable to expect that the fund manager would beat the return available from conventional, high street savings accounts.

Unfortunately, most Money Market funds aren’t performing better than traditional savings accounts!

Just take a look at their track record performance:

1 year - 3.8%

5 Year - 15.7%

10 Year - 41.2%

Put simply, leading savings deposit accounts would do similar or better!

So what is going on here?

The problem is that some funds are taking more risk than others, which drags the averages down. Conventional Money Market funds invest in deposit accounts and short-term, high-quality debt. But, lately, some funds have taken to investing in riskier assets such as lower-grade corporate (company) debt and longer-term loans.

The idea of course is to generate a better return. The downside is that defaults are occurring more frequently and with less liquidity (yet another repercussion of the credit crunch).

As an example, one leading fund has actually produced a negative (-3.9%) return over a year. This is worrying, since these funds are supposed to protect your capital.

So, taking the scope of returns into account, these funds actually seem quite expensive in terms of running charges. What’s more, the investment strategy of some funds is hardly low-risk and consequently are all exposed to some degree of market volatility.

In addition, it is difficult to determine the quality of the debt instruments your money is being invested in. US Funds have been feeling the impact of the subprime debt crisis for some time now, with falling interest rates putting pressure on returns. So the question is; will it soon be a similar story in the UK?

Since there are a number of market-leading, easy access savings accounts that are paying interest rates of 6 - 6.5% without any market risk at all, then if you are going to invest in a Money Market Fund, on paper it may NOT be the best option for your money.

* Certificates of deposit = A time deposit (i.e. a deposit with a specified maturity) made at a bank which pays fixed or floating rates of interest. The lender receives a certificate that a deposit has been made which can then be sold in the secondary market whenever cash is needed.

** Floating Rate Notes = Bonds and other debt instruments that carry a variable (i.e. floating) rate of interest, usually linked to a reference rate such as the LIBOR.

# Source: Investment Management Association, IMA. March 2008.

The Financial Tips Bottom Line

We have written many articles on the folly of ‘jumping ship’ and having no clear investment philosophy.

It really can’t be stressed enough - be an investor, not a gambler.

ACTION POINT

If you have a Money Market Fund, review this urgently. Contact your planner or adviser, and ensure you are getting the most from your investments.

Ever wondered what money market funds are and how they can help you make the most out of your money?

Well, money market funds are fixed, short term investments in low risk holdings or securities. By law money market funds must invest in low risk mutual funds making them a good way for existing investors to diversify their interests or for newcomers to launch themselves into the marketplace.

Choosing a Money Market Fund

Money market funds can generate returns in a relatively short time span in accordance with interest rates, and can be redeemed at any time, which is why they are an ideal low risk option for people wanting to preserve their money in a volatile market.

These money market funds are essentially part of a mutual fund which invests in such things as government securities and low risk stocks and bonds. However, because money market funds are part of mutual funds they are not secured investments and are therefore not insured to cover losses.

Losses in the money market are rare as money market shares are able to consistently maintain a net asset value of $1.00 per share. The net asset value of a share is usually determined at the end of a trading day and it is only when investments perform very poorly that the value will drop below $1.00.

Investing In Money Market Funds

Some money market mutual funds can offer tax exemptions by investing in short term debts. However, before investing make sure you work out your final tax obligations.

In order to find the best mutual funds you need to consider how the investment can work for you. For example, money market funds all have a ranking in the marketplace so be sure to do your research and find out where they sit.

The next step is to work out how much money you have to invest as this will determine the best mutual funds to help you establish the portfolio you are after. There are money market directories that can be used to compare different funds and calculate expected risks.

You also need to be aware of the rates and charges that come with money market funds. Although these will differ between funds, most incur an initial sales fee, ongoing management fees and transaction fees. To be competitive money market funds will offer different packages for different classes of investors. Some packages may include a flat rate advisory fee while others will incur a fee that decreases as your portfolio value increases. Fees can also be allocated according to the value of a group of funds instead of a single fund.



Finding the Best Mutual Fund

Money market funds require compulsory professional management, undertaken by third party mutual fund managers. This means control of your fund is put into the hands of your fund manager, another reason to ensure you are choosing the right money market fund.

Mutual fund managers research different investment options and have the power to buy, sell and trade your funds on the market. A skilled fund manager will have the ability to forecast the financial viability of a certain asset or investment and make adjustments in accordance with the fund’s set financial principals.

Another major role of mutual fund managers is to predict the financial situation of the fund itself. This means managers need to calculate how much money will be entering and exiting the fund through investors in order to plan for future investments.

Like any investments, money market funds can have both positive and negative returns, but at all costs are the most low risk way of investing your money into the marketplace.

Investment in money market instruments is a common strategy that financial experts advice people who aim at building wealth to make use of.

But then, thousands of people in different occupations other than commerce or business related careers might be interested in this kind of investment but lack the way forward.

Surprisingly, even some renowned entrepreneurs or even scholars in the same field are very disoriented with what happens in the money or stock exchange markets.

Other people who currently are investors or players of the same market depend fully on the knowledge and expertise of the stockbrokers and do not strive to understand the operations.

For the sake of those needing basic information about the stock exchange markets, this article will tackle part of the substantial data that investors need to learn about.

What is a money market?

It is a well-structured system of exchange where contributors can loan and borrow huge amounts of money for a given period of time not exceeding one year.

Who can be the contributors?

Money markets are a great opportunity for governments, big institutions and other businesses to execute money.

Also the individuals with a desire to be participants but invest in smaller amounts while taking the advantage of high security and liquidity of their funds are welcome.

Why do individuals participate?

People who become participants of the money markets do it because they feel that money kept in the banks is safe but lying dormant.

If it were invested in these markets in form of the available instruments, the owners can wait until such a time when the interest rates on them are favorable and sell them.

It is the value of the next best option foregone as a result of making a decision to hold funds in cash that these participants avoids by investing in stock markets.

You see, by keeping dormant funds in the banks because you got no immediate need for it generates nothing than if the same was transacted in such a money market for a given period of time.

The instruments at the money markets

Individual investors mostly choose to buy the short-term money market instruments because these are deemed to be safer and can easily be converted to cash easily.

These can range from a day to a full year but a good percentage mature after three months or even less.

They are actively traded in the market where investors buy securities from other investors, and not from issuing companies and therefore the cash proceeds go to an investor rather than to the principal entity openly.

This is what financiers call the secondary markets, and it makes it possible for an investor to sell them ahead of end date at the current price but foregoing the interest amount that would have been gained if such instruments were held till maturity.

The pre-purchase decisions

It is very important that ahead of making a purchase decision for these instruments, you consult persons who specialize in these.

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