Emotional value versus gold price fluctuations.
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I'm considering more than just the risks associated with gold prices. Should I be more concerned about the liquidity of SGBs and the tax implications of my interest? I'm weighing the emotional value of family jewelry against using SGBs for returns to balance safety and profit.
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Think of it as two different buckets: jewelry for sentiment and SGBs for growth. You can’t replace an heirloom, so keep those as they are. But for purely growing your money, SGBs are much smarter — they’re tax-efficient and pay you interest. It’s basically about honoring your family’s history while ensuring that your future self is taken care of. Keep the "gold for wearing" separate from your "gold for investing," and you’ll be set.