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What is Retirement Bullion?

Retirement bullion, is essentially just regular bullion, which can come in the form of Gold, Silver and any other precious metal such as Platinum or Palladium, it is the term used for any precious metal forged into a form that can be used as currency (coins) or as a means of larger financial exchange (bars) its value defined by its purity for economic purposes, with 95.5% considered the base standard, moving upwards in percentage values from there to define its quality.

If your not familiar with precious metals, retirement bullion can at first seem somewhat strange, but in essence it is simply the form that the metals are produced into when the intended use or medium of exchange is one of an economic nature, the term bullion itself coming from the french minister of finance under Louis XIII, Claude de Bullion, but with the practice of gold, silver and other precious metals being smelted into bars and coins as a means of economic store and exchange being common practice far back into antiquity.

If your not familiar with it, the measurements and weights of precious metals and retirement bullion can at first seem daunting, but succinctly put, precious metals and gold specifically are measured in Troy Ounces, with one Troy Ounce equating to 31.1034768 grams, with a percentage of 95.5% considered what they call “good delivery” meaning, that if you take one Troy Ounce as a baseline, as you move up in ounces, you are increasing in value, the same can be said for percentages, 95.5% is quality without a doubt, but 99.999% would be considered as best as could be achieved through the smelting process.

Troy Ounces & Metrics

You do not however need to be an economist or expert mathematician to get your head around the concepts, if you consider that a Troy Ounce is the standard, anything above that your increasing in value, and anything less, your breaking into fractions of value for that Troy Ounce, you don't always need to think of it in mathematical terms, but rather terms of value, so by understanding that a Troy Ounce is the base, you can gauge the value of any retirement bullion you may be considering based on that, so long as you always make sure you are always reviewing bullion that is of over 95.5% quality standard, which will always be clearly marked on the bars, coins or otherwise.

Shapes and sizes are not necessarily the focus, what is important is the Troy Ounce weight as combined with the % value, 95.5% and upwards, the most common form of bullion is of course the bar or “brick” style because of its logistical convenience, but this is not to say that bullion cant take other shapes and forms such as coins, or in elegant cases even exotic shapes such as the beautiful Imperial Chinese Sycee, when it comes to bullion to focus is on the weights and quality, rarity or design does come into it, which Is why base bars are the most common and recommended, but it does need to be said they are not they only form, if your contemplating retirement gold today, yes gold bars are by far the safest and securest investment, but this is not to detract from the other forms that bullion can emerge it, as weight and metal percentage are just that at the end of the day.

The focus on value is defined by ensuring the retirement bullion you invest in is considered “good delivery” which while a complex topic in and of itself, essentially translates to your investment maintaining economic quality standards, this is the Troy Ounces and purity percentages, which in turn ensure your return, or store of wealth depending on your intention, you can get into the economic side of it, but from the point of view of the average person, divesting into gold or silver as part of their retirement fund no matter how young or old you are, if you focus on the basics with a view to ensuring quality as it relates to the store of your wealth, or incremental increase in value of your investment, you will always be making a wise decision.

Gold Bars

Standard worldwide and popular because of their portability and reliability, Gold Bars of a 95.5%+ purity are generally always considered “good delivery” status by the Swiss National Bank and the London Bullion Market Association.

Available in a variety of different weights from as small as 1gm, to the 1oz and even up to 1kilo they generally have a refined industrial finish and hold hallmark of the mint that produced them along with a serial number for verification purposes.

Smaller gold bars are generally produced through the process of rolled sheets of the metal and are known as minted bars, where as larger bars are produced by pouring the gold into Ingots, small containers in the shape of the intended bar,in most cases the familiar rectangle or brick design and are known as cast bars.

Silver Bars

Similar to the Gold Bar, Silver Bars are produced by much the same smelting method, however Silver Bars offer a great advantage for those seeking to invest in silver as part of a retirement bullion portfolio as they generally have a lower premium than that of spot silver, giving greater returns on investment.

Sizes ranging from the gram to ounce and even kilo ensure flexibility in investment options and its traditional rectangle shaped industrial finish ensuring to maintain the portability much sought after by keen investors, each bar always accompanied by an embossed hallmark, purity indications and serial number.Recognized worldwide by banking and financial institutions such as the London Bullion Market Association, they are a solid investment as the application of silver is used as both a means of finance and as a production material in both luxury and industrial commodities, ensuring Silver Bars always retain high liquidity.

Bullion Coins

If a coin is struck or smelted from a precious metal it is known as a Bullion Coin and may take the form of traditional gold or silver, but can also be found in the form of platinum or palladium depending on the series of issue.

Generally, Bullion Coins are considered a store of wealth or investment, rather than legal tender in any particular country, however the United Kingdom, and by extension London Bullion Market Association define a bullion coin as having to be produced after the year 1800, maintain a quality of no less than 900 thousands and have been, or are used as a form of legal tender.

One of the greatest things about retirement bullion coins is that they generally come in a wide variety of weights that are usually either multiples or fractions of the troy ounce and a variety of factors such as costs of manufacture, size and circulation volumes often result in them fetching a higher sale price on the market than the prevailing metal value of the coin at the time.

For the potential investor who also hs a flare for collecting, bullion coins also offer the advantage of having a wide range of hallmark designs, some notable mentions to the American Eagle, Canadian Maple Leaf, Britannia Coin and the Austrian Philharmonic, this aspect adding both an artistic layer to an already solid financial investment.

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