The idea is simple: instead of buying everything at once, you buy a fixed euro amount of gold every month. When the price is high, those euros buy fewer grams; when it falls, they buy more. Over time your average purchase price smooths out and you stop depending on having entered at the best or worst moment. In investing this is called regular investing or cost averaging.
A real case: €200 a month since 2023
One of our clients started putting €200 a month into physical gold in 2023. After 36 contributions they had invested €7,200, and their gold was worth €12,353: a +71.6% gain on the capital contributed. Just by being consistent.
It is a real historical capital gain, over a period in which gold rose strongly. It does not guarantee future results: the gold price also falls, and any investment in real assets involves risks, including the possible loss of capital.
How to do it well
Investment gold, not jewellery
Small bars or investment coins, with certified purity and VAT-exempt. Jewellery carries VAT and workmanship costs you do not get back when you sell. We explain it in VAT-exempt investment gold.
Small formats, used wisely
Buying monthly means small formats, and the smaller the format, the higher the premium over the metal price. It makes sense to accumulate and consolidate into larger pieces when the amount allows. We compare them in bars or coins.
Always in your name and stored
The gold is yours and physical, not an entry in an account. Decide from the start where it is kept: see where to store physical gold.
Who is it for?
For anyone who wants a long-term store of value and prefers consistency to speculation. It is not for anyone who needs the money in the short term or who is looking for income: gold pays no interest or dividends. Its role is to preserve wealth.
How we do it at Equus Capital
We set up the monthly purchase plan with the client: how much, which format and where it is stored. The gold always remains in their name and they can sell it whenever they need to. The first consultation is free.
Frequently asked questions
What does buying gold every month mean?
Putting a fixed euro amount into physical gold each month. This smooths the average purchase price so you do not depend on timing your entry.
How much do I need to start?
You can start with modest monthly amounts. In the real case we cite, the client started with €200 a month in 2023.
What capital gain did the real case achieve?
€7,200 contributed over 36 months was worth €12,353, a +71.6% gain. It is a historical capital gain that does not guarantee future results.
Is it better to buy bars or coins every month?
It depends on the amount. In small formats the premium over the metal is higher, so it makes sense to consolidate into larger pieces when possible.
Is the gold I buy every month in my name?
Yes. It is physical gold and always remains in your name, securely stored.
Risk notice. This content is for information only and is not personalised investment advice. Investing in real assets such as metals, loans or property involves risks, including the possible loss of capital, and past capital gains do not guarantee future results.