If you had $10,001 in cash, in the bank ??

1630Boston · February 22, 2026 1:50PM

If you had $10,001 in cash, in the bank, and could afford to....would you buy 2 ozt of gold instead of getting 3% interest?

Higashiyama · February 22, 2026 1:59PM

@1630Boston: in your hypothetical, should we assume that the individual in question has set aside adequate funds for short term liquidity so that this is an investment allocation issue that does not need to deal with the liquidity aspect?

1630Boston · February 22, 2026 2:09PM

yes @Higashiyama
thanks

rte592 · February 22, 2026 2:18PM

Who keeps 10k in the bank

I prefer to find something else to parlay the ROI.

1630Boston · February 22, 2026 2:21PM

I'm old and old fashioned @rte592

Higashiyama · February 22, 2026 2:21PM

Thanks; although I would personally not buy gold in a single transaction, I might consider dollar cost averaging into GLD over about an 18 month period and then converting to physical at the end.

If I were an advisor in the retail sector (I’m not!) and were advising a client, I would of course want to have a long discussion with the client about their situation, their plans, their perspectives on the US and the world, alternative approaches to protecting against geopolitical risks, etc.

derryb · February 22, 2026 2:56PM

SILVER, EITHER LONG OR SHORT

taxmad · February 22, 2026 3:55PM

Mortgage @ 3.09% and savings earning 3.24%. I just put $10K on my mortgage

softparade · February 22, 2026 4:01PM

Hookers and blow? YOLO

lolzzzz J/K

blitzdude · February 22, 2026 4:50PM

I'd shoot for a couple Double Eagles or perhaps 4 eagles. Common date slabbed are going for melt. RGDS!

grote15 · February 22, 2026 4:54PM

Buy shares of an ETF.

jdimmick · February 22, 2026 5:15PM

10k dollars wont last 1 hr in store on busy day, sometimes i have to go to bank 2-3 x a day

jmski52 · February 22, 2026 6:06PM

If limited to the choices posed by the OP, I'd buy the 2 oz. of gold without any reservation.

TwoSides2aCoin · February 22, 2026 6:49PM

I buy silver and gold with it. So that’s a no brainer for me.
The market just opened a couple hours ago and gold is up over 1% , while silver is up over 3% . I can’t wait a day.

Bochiman · February 23, 2026 1:43AM

@1630Boston You're an individual and not a coin business, so your outlook is different from a few responding.

Since you say your have your expenses/needs otherwise covered, and the $10k is "sitting there", it puts a different outlook on it.

To me, that 3% is a "whole" $300 in 12 months. That's not great, imho.
However, it does come down to buying gold as your only other choice and how you genuinely feel about the direction gold is headed.

If you think it is still bumpy, try to catch a spike downwards. If you feel it may be on solid grounds, and can get you more than 3% when you sell it, then go for it. Your timeline is also important. Sell at a certain price point or hold for xx amount of time?

If you go this 2nd route, I would suggest GAEs (bullion). Certified IF the price difference from raw is negligible, for quicker/more solid sales potential.

All it would take is $200+ increase, per ounce, to be better than 3% in the bank....

johnny9434 · February 23, 2026 3:17AM

Can I do one gold coin and the other left at 3% n case I need it

Tom147 · February 23, 2026 12:00PM

Personally, I would not invest in gold AT THIS TIME. 3 or 4 years ago, I would have considered it. I don't believe we'll see a huge price rise of gold in the near term. Silver, the same. I know there are forum members who are predicting $ 250 silver in the next year. Yea, hindsight can be 20/20. But I don't see it happening. We've all seen the recent sudden price swings in both gold and silver. I'd hate to buy two ozs. of gold @ 5K an oz. and next week have a drop of 10% thus losing $ 1K. I'll take the 3% guaranteed.

DoubleEagle59 · February 23, 2026 12:45PM

No brainer for me.....silver first or platinum, then gold (in that order)

10K in the bank is about 20th choice on my list.

TwoSides2aCoin · February 23, 2026 1:22PM

@TwoSides2aCoin said:
I buy silver and gold with it. So that’s a no brainer for me.
The market just opened a couple hours ago and gold is up over 1% , while silver is up over 3% . I can’t wait a day.

Now, I’m not predicting; just reporting.

RobM · February 23, 2026 2:17PM

3% will look like the best investment over the next year. If you have $100K cash, then 2 ounces of gold is probably a sound investment. Unfortunately, there are a variety of reasons why fractional gold might become the norm going forward.

BLUEJAYWAY · February 23, 2026 5:38PM

@grote15 said:
Buy shares of an ETF.

I would of thought you would of considered un opened.

BLUEJAYWAY · February 23, 2026 5:42PM

Providing I would not have an immediate need for the 10k, gold would be my choice. Can enjoy the artistic design of the coin.

1630Boston · February 23, 2026 6:15PM

To be clear, if I lost the 10k..................I would not end up on the street anytime soon

grote15 · February 23, 2026 10:49PM

@BLUEJAYWAY said:

@grote15 said:
Buy shares of an ETF.

I would of thought you would of considered un opened.

True, vintage unopened is definitely more fun but if it's for an investment, I'd probably go elsewhere. That said, over the past two decades few options have appreciated more handsomely.

gashmios · February 23, 2026 11:30PM

I would not take financial advise from a coin forum... but that is me.

dcarr · February 24, 2026 1:16AM

@mrbrklyn said:
I would not take financial advise from a coin forum... but that is me.

.

Still, better than taking it from a horse forum

.

fathom · February 24, 2026 6:15AM

@mrbrklyn said:
I would not take financial advise from a coin forum... but that is me.

This is the precious metal forum.

I would not take financial advice from the coin forum either. They will put you into Liberty Nickels and unanimously nod their heads.

So I would much rather get it here.

TwoSides2aCoin · February 24, 2026 8:06AM

If one keeps ten grand cash in the bank maybe financial advice is needed.

Göttinger · February 24, 2026 8:26AM

Good question...
If I got a 10.000 Dollar bonus / gift/ inheritance tomorrow, I would probably use half of it for precious metals:

British gold Sovereign, 5 gold Dollars USA, Prussian 20 Mark gold
2x 1/10 ounce of platinum
6 silver Maples).
Another 3.000 would go torwards a ETF and probably 2.000 in the bank as a addition to my emergency fund.

1630Boston · February 24, 2026 9:07AM

@TwoSides2aCoin said:
If one keeps ten grand cash in the bank maybe financial advice is needed.

Where do you store your emergency fund?
boston

dcarr · February 24, 2026 10:21AM

@1630Boston said:

@TwoSides2aCoin said:
If one keeps ten grand cash in the bank maybe financial advice is needed.

Where do you store your emergency fund?
boston

.

You know that safe where he keeps 10 grand ?
There's 5 grand in there.

.

Downtown1974 · February 24, 2026 10:28AM

@dcarr said:

@mrbrklyn said:
I would not take financial advise from a coin forum... but that is me.

.

Still, better than taking it from a horse forum

.

Maybe not…lots of money involved in the equine industry. 😉

gashmios · February 24, 2026 11:40AM

@dcarr said:

@mrbrklyn said:
I would not take financial advise from a coin forum... but that is me.

.

Still, better than taking it from a horse forum

.

Well, My brokerage firm is EF Hutton and .. (when EF Hutton talks - everyone listens)..

relicsncoins · February 24, 2026 12:55PM

JM had AGE's at spot the other day, limit 2.

dcarr · February 24, 2026 5:05PM

@Downtown1974 said:

@dcarr said:

@mrbrklyn said:
I would not take financial advise from a coin forum... but that is me.

.

Still, better than taking it from a horse forum

.

Maybe not…lots of money involved in the equine industry. 😉

.

A lot of wasted money.
It is a great hobby for those who like it. But what is the useful lifespan of a horse ?
30 years at most.
So 100% depreciation of the value of the asset over a 30-year period.
At least my car that I have had for over 35 years can still be driven and has gone UP in value.

So don't take any investment advice straight from the horse's mouth.

.

Bochiman · February 24, 2026 11:58PM

@1630Boston said:

@TwoSides2aCoin said:
If one keeps ten grand cash in the bank maybe financial advice is needed.

Where do you store your emergency fund?
boston

Better NOT to ask him...he's been walking kinda funny lately, so....

RedneckHB · February 25, 2026 4:50AM

@dcarr said:

@Downtown1974 said:

@dcarr said:

@mrbrklyn said:
I would not take financial advise from a coin forum... but that is me.

.

Still, better than taking it from a horse forum

.

Maybe not…lots of money involved in the equine industry. 😉

.

A lot of wasted money.
It is a great hobby for those who like it. But what is the useful lifespan of a horse ?
30 years at most.
So 100% depreciation of the value of the asset over a 30-year period.
At least my car that I have had for over 35 years can still be driven and has gone UP in value.

So don't take any investment advice straight from the horse's mouth.

.

Looks like ponys is a good sized industry.

https://extension.umn.edu/horse-ownership/economic-impact-horse-industry

AI review...
The typical U.S. horse owner has an average net worth of roughly $1.5 million and an annual household income of over $211,000. While 28-35% of owners earn over $100,000 annually, the hobby is accessible across income levels, with 30-35% earning under $75,000. Most owners (84%) are homeowners, with 85% involved in the stock market.
HorseProperties.Net
HorseProperties.Net
+2
Key Data on Horse Owner Wealth:
Net Worth: The average net worth of a horse owner is $1,504,051.
Income: Average annual household income is $211,738, though median income is closer to $60,000, indicating a wide range of owners.
Investment Portfolio: Average portfolio value is $724,791.
Costs: Annual maintenance for a single horse ranges from $8,600 (backyard) to over $26,000 (competition).
Demographics: 34% of horse-owning households earn less than $50,000 annually.
thehorse.com
thehorse.com
+2
Specialized Ownership (Racing):
Those specifically in the Thoroughbred racing industry often have significantly higher wealth, with an average net worth exceeding $8.2 million.
Inquirer.com
Inquirer.com

Downtown1974 · February 25, 2026 5:36AM

@1630Boston said:
If you had $10,000 in cash, in the bank, and could afford to....would you buy 2 ozt of gold instead of getting 3% interest?

Personally? No…I already have gold.
For the first time gold buyer?…..I like the idea of investment diversification but not at these levels. I’d wait for gold to come down and get 3+ oz. for that same 10k.

Wingsrule · February 25, 2026 6:20AM

@Downtown1974 said:

@1630Boston said:
If you had $10,000 in cash, in the bank, and could afford to....would you buy 2 ozt of gold instead of getting 3% interest?

Personally? No…I already have gold.
For the first time gold buyer?…..I like the idea of investment diversification but not at these levels. I’d wait for gold to come down and get 3+ oz. for that same 10k.

That would require a 35% drop from current levels. I don’t see that in the short or medium term.

jmski52 · February 25, 2026 9:45AM

If you think that gold is expensive now, just wait. Has gov.com stopped it's profligate spending yet? Has the humongous debt problems been solved?

Exbrit · February 25, 2026 10:32AM

@jmski52 said:
If you think that gold is expensive now, just wait. Has gov.com stopped it's profligate spending yet? Has the humongous debt problems been solved?

Debt problem? What debt problem. Just print more money and spend more. You’ll be gone - so who cares!

jmski52 · February 25, 2026 6:32PM

Debt problem? What debt problem. Just print more money and spend more. You’ll be gone - so who cares!

Other than being glib, I'm not sure what point you are trying to make. I'm pretty sure I'll still be around when the debt market implodes.

blitzdude · February 25, 2026 7:42PM

@jmski52 said:
Debt problem? What debt problem. Just print more money and spend more. You’ll be gone - so who cares!

Other than being glib, I'm not sure what point you are trying to make. I'm pretty sure I'll still be around when the debt market implodes.

Whats a glib? THKS!

DisneyFan · February 25, 2026 9:45PM

@1630Boston said:
To be clear, if I lost the 10k..................I would not end up on the street anytime soon

Think about it. If one had a $1 million portfolio, one could easily make or loose $10,000 in a day. It just takes a 1% move in the market to do that.

TwoSides2aCoin · February 25, 2026 9:50PM

@1630Boston said:

@TwoSides2aCoin said:
If one keeps ten grand cash in the bank maybe financial advice is needed.

Where do you store your emergency fund?
boston

In silver.

Downtown1974 · February 26, 2026 3:43AM

@TwoSides2aCoin said:

Where do you store your emergency fund?
boston

In silver.

An emergency fund in PMs? My god, I hope that’s a joke but I didn’t see a laughing emoji after the comment.

TwoSides2aCoin · February 26, 2026 7:34AM

@Downtown1974 said:

@TwoSides2aCoin said:

Where do you store your emergency fund?
boston

In silver.

An emergency fund in real money that holds its value more than paper ? My god, I hope that’s a joke but I didn’t see a laughing emoji after the comment.

I’d rather not have the FED.

Or it’s faux promise

coastaljerseyguy · February 26, 2026 10:22AM

If I HAD $10,000 in the bank my wife would have spent it.

TwoSides2aCoin · February 26, 2026 5:48PM

Exchanging legal tender promises on paper for lawful money coined in silver and gold isn’t a bad thing, or even speculative

And in case of emergencies, there are silver dimes for a fraction of the cost.
Then again, I recommend a metal roof on your home, too. Saved over $2500 per year on my insurance premiums with that and dropping an outbuilding. Thats for the horse forum, though.

blitzdude · February 26, 2026 6:08PM

@TwoSides2aCoin said:
Exchanging legal tender promises on paper for lawful money coined in silver and gold isn’t a bad thing, or even speculative

And in case of emergencies, there are silver dimes for a fraction of the cost.
Then again, I recommend a metal roof on your home, too. Saved over $2500 per year on my insurance premiums with that and dropping an outbuilding. Thats for the horse forum, though.

Horse fourm? Link?? THKS!

johnny9434 · February 27, 2026 3:37AM

@coastaljerseyguy said:
If I HAD $10,000 in the bank my wife would have spent it.

Heard a story many years ago that some guy had property some where that his wife didn't know about. One day she, for some reason went to the post office retreaving the tax bill on the property. It didn't go well 😕

If you had $10,001 in cash, in the bank ??

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