For us, the best type of gold to buy are physical gold bars. The precious metal has been valued for centuries as a safe haven in which to cultivate and store wealth, and physical ingots best reflect these qualities today. Gold is available at private traders, online merchants, jewelry stores, coin stores, private mints, vending machines and government mints. It's best to buy from a trusted source to ensure that you are buying exactly what is represented.
Buying gold jewelry is an indirect way of investing in gold. However, jewelry tends to have more value for the user than an investment because of the profit margin involved in converting the precious metal into jewelry and then selling it in the retail market. Expensive gold jewelry can retain its value, although it is often due more to its value as a collector's item than to its gold content. Another drawback of jewelry as an investment in gold is the cost of storage and insurance.
Nor is it a liquid investment, since it cannot be easily sold at a market price. The “best gold and silver to buy” is the one that is intended to be maintained in the long term, such as that private insurance policy.