2023

GOLD
BUYING
GUIDE
LEARN HOW TO
INVEST IN GOLD
LIKE A PRO

UNITED STATES
GOLD BUREAU
Dear Valued Client,
Thank you for your interest in the United States Gold Bureau. We are grateful for the opportunity to earn your business. By
requesting our Precious Metals Investor Guide, you’ve taken the first step towards diversifying your financial portfolio, sheltering
your assets, and preserving the purchasing power of your dollar for many years to come. Whether you are a first-time investor or
collector, or you already hold precious metals in your portfolio, we’re confident you will find our service to be friendly, helpful
and informative.

The United States Gold Bureau was founded to bring trust and integrity to all aspects of the precious metals investment process.
Our goal is to always exceed our customers’ expectations by helping them to make better, more informed, buying decisions.

We understand that when acquiring precious metals, you have many choices to consider. Your Account Executive will serve as a
great resource to guide you step-by-step as you navigate through those choices. Each of our Account Executives is well-equipped
to assist you at all stages of the process. Whether you decide to move forward with a purchase today or at some point in the
future, our hope is that you will feel a sense of confidence knowing that you are dealing with a reputable organization. There
are risks involved in owning precious metals as an investment, which you should fully understand before making a decision to
acquire metals -- whether from our company or any other company.

OUR COMMITMENT TO YOU – OUR VALUED CUSTOMER:

We will always be honest and up front with you, we will treat you with
respect and we will complete your order exactly as we have presented
it to you – each time, every time.

It’s important you know that we owe much of our business to repeat buyers, as well as referrals from satisfied clients, and we rely
greatly on these referrals to keep our company going. For this reason, superior customer service is not just a commitment, it’s a
necessity. The ultimate compliment you can provide is a referral to a friend or family member, and we consider it a privilege to
receive your endorsement.

If at any time throughout your interaction with our company you would like to speak to a member of our senior management
team, please call our executive offices at (800) 775-3504. We very much value and appreciate feedback from our clients as it helps
us grow as an organization and ensures that we continue serving as a leader within the precious metals marketplace.

Thank you for your consideration and we look forward to being of service.

Sincerely,

Matt A. Ferris
President
U.S. Gold Bureau
TABLE OF CONTENTS
How to Invest in Precious Metals 1
Learn the basics of precious metals, and what
experienced investors and collectors look for

An Intelligent Strategy 3
Diversify your holdings to:
• Minimize risk
• Maximize opportunity for long-term gains
• Shelter your metals portfolio from volatility and
bumps along the way

Avoid These Common Missteps 13

of First-time Gold Buyers

How to Shelter Your Retirement 15

Plan with Gold and Silver

Secure Storage with the 19

Texas Bullion Depository

Understand the Risks 21

About the U.S. Gold Bureau 22

Precious Metals Investing: 23

Portfolio Builder
 WHY PRECIOUS METALS?
Inside or Outside of a Retirement Plan, Tangible Assets Can Give You Better
Control and Portfolio Diversification
You have insurance for your life, insurance for your home and even
insurance for your car, but too many people overlook having insurance
for their investments. We all know that the goal of any financial
investment is to grow the buying power of your hard-earned dollar,
but what happens if you place your bet on the wrong stock, bond or
other investment? What if you could have insurance on your finances
to help shelter you from losses, just like your other insurance does?
The fact is, investors have been doing this with precious metals for
decades. Acquiring and holding physical precious metals allows you to
add non-correlated assets to your overall investment portfolio.

Investing in and owning precious metals, including gold, silver,

platinum and even palladium, can help balance your portfolio from
equity investment losses, help safeguard your money from the long-
term effects of currency devaluation, help shelter your assets from
world economic crises and prepare you and your family for the effects
of inflation.

When you own physical gold and other precious metals, you don’t rely
on the promise of some corporate CEO, the whim of the stock market,
or some investment account that the government is watching over.
When you make an acquisition with us, we either ship your purchase
directly to your home or business in a nondescript, fully insured
package so you have physical possession, or we can assist you with
establishing a fully segregated, insured, audited, and secure storage
account at the nation’s only precious metals depository authorized by
law for use by the public -- the Texas Bullion Depository. In either
case, you have full control over your assets; there is no wondering if it’s
really there when you need it most.

1
 HOW TO GET THE MOST

Your grandfather - and

BULLION FOR YOUR BUCK
Gold and silver coins and bars are
made available to individual investors

your financial advisor - in sizes ranging from 1 gram (about the

size of a pinky nail), to 1 kilogram (size
of an iPhone), to even 1,000 ounces

were right!
(size of a loaf of bread!).
The price that dealers charge for these
items takes into account the current
spot price for gold or silver, in addition
You probably already understand the importance of diversifying your to costs related to refining the metal
to remove impurities, manufacturing
investments. In fact, that’s the #1 thing that our clients tell us attracted them usable form factors (minting of the
to precious metals in the first place. What you may not realize, though, is coins and pressing or pouring of the
that it’s not enough to just diversify INTO precious metals. To truly protect bars), transportation and distribution,
administration, and other expenses
your assets, you must also diversify WITHIN your precious metals holdings related to the precious metals supply
and create a portfolio that is balanced and strong. Otherwise, you end up chain. The result is a product that
typically trades between 2% to 20%
having all your eggs in one basket, which we all know is a bad idea, no higher than the spot price of the
matter what you’re investing in. metal on the Commodities Exchange
market (COMEX). This built-in
markup should NOT be mistaken as
The real goal of all of this is to create a precious metals sales commissions, transaction fees,
or dealer margin; however, in some
portfolio that gives you the best opportunity for asset cases dealers may charge these fees in
addition to the built-in markup.
appreciation while helping to shelter your money
The percentage over spot is generally
from volatility and major drops along the way. less as the unit size increases (a 1
kilogram bar has a lower price over
No investment strategy is without risks, and you should understand and spot than a 1 gram bar does – since it
costs far less to make one large bar than
evaluate if owning and investing in precious metals is right for you. it does to make 1,000 small bars) and is
also generally lower for gold than it is
for silver.
When acquiring precious metals
bullion as an investment, you should
try to buy as close to the spot price as
possible. Since the liquidation price is
usually based solely on the total weight
of the metal, the premium over the
market price on the front end can eat
into your profit when you go to sell. To
do this wisely, look for larger-sized bars
and privately minted coins, which have
lower premiums than small bars and
government-minted coins.

2
 AN INTELLIGENT STRATEGY
Making the Case for Diversification
Diversification is an investment philosophy and Investment Grade Coins, on the other hand, are
strategy designed to manage overall risk. Assets are coins minted by the U.S. Mint or other world
divided into “classes.” Two assets that respond in mints that have shown a track record of investment
the same way to changes in the economic landscape performance that exceeds that of bullion and even
are said to be “correlated.” Two assets that respond other rare or semi-rare coins. Our company defines
differently to changes in the economy are said to Investment Grade Coins as those specimens of the
be “non-correlated.” Stocks and precious metals, highest quality, which usually means they are more
for example, are two different asset classes, as they likely to have lower populations in the marketplace.
generally do not go up and down at the same time
as each other. That’s why many investors have some of Investment Grade Coins don’t trade
each in their financial portfolio and it’s one of the key on an index and therefore have a
reasons that many people turn to gold. value that is much less volatile than
What many people don’t understand, though, is that you
bullion. This is the key factor that
can follow this exact same strategy with your precious makes these coins ideal for investors
metal investments. In the gold market, this translates to who want to shelter their assets from
balancing your portfolio between the different metals the risks of the commodities and
asset classes – bullion metals, numismatic coins and equities markets.
Certified Investment Grade Coins.
Unlike with bullion, the price of Investment Grade
Bullion can be found in various forms, including Coins is not subject to manipulation by world
minted coins, gold bars and other form factors banks, the Fed, or other political forces. Instead, the
– and they are all valued the same way – by their value is wholly determined by supply and investor
weight. The value of bullion, or “raw gold,” floats demand, just like prime real estate and other highly
up and down every minute with the market price sought after tangible assets.
of the metal itself. This is known as the “spot price.”
This is similar to how the market works for crude
oil, wheat, natural gas and other commodities (and
yes, even pork bellies!).

3
These coins help bolster your of risk, since the price of commodity WHY COINS GET
precious metals portfolio to shield gold can rise or fall dramatically in a CERTIFIED
you against volatility and to attempt short amount of time.
to set you up with the opportunity Certification is a process of registering
coins with an official certifying
for long-term growth, which is Portfolios that are weighted toward organization to ensure their
what makes a mixed portfolio of Investment Grade Coins are considered authenticity and grade the condition.
both bullion and Investment Grade to be more stable and conservative, Certified Investment Grade Coins are
sealed in a tamper-proof holder to
Coins more diversified and more since historical data indicates much protect their condition.
balanced. less pricing volatility, along with
steady price appreciation when All Investment Grade Coins are given
Slice your pie based on investor demand is high. This type a unique registration number, just like
a serial number, so they can be easily
your investment goals. of portfolio is ideal for investors who and precisely identified by collectors
want to limit their exposure to the and investors, even if they don’t have
Your specific mix of precious metal ups and downs of the bullion market physical possession of the actual coin.
asset classes should be determined and shelter their investments from First and foremost, this process
by your individual tolerance for the geopolitical forces that are out of authenticates your coin as being a true
risk, your time horizon and your their control. They are also best for government issue and NOT a copy,
personal investment philosophy. fake, replica or counterfeit.
investors who are able to hold for at
least 5 years, to allow the investment Second, once the condition of the
Portfolios heavily exposed to the sufficient time to mature and coin is determined, it is sealed in a
bullion market are generally more protective holder to preserve it from
increase in price enough to cover damage.
aggressive and therefore more risky. the market spread when acquired.
They are often recommended for Third, your coin is assigned a unique
short-term investors who want to registration number. If your coin is
ever lost or stolen, you can prove
place a bet on imminent market ownership with this number.
moves and for investors who are
capable of stomaching a high degree Finally, certified coins are tracked in
“Population Reports” so you will know
how many other coins are like yours.
These “Population Reports” are critical
in determining the rarity of your coin.

You should check with a registered

investment advisor before making a
decision to own metals.

4
 GOLD AMERICAN EAGLES IN PERFECT
PROOF 70 GRADE
Large Enough Population For an Active Market, But Low Enough to Have
Price Increase Opportunities
Gold American Eagle coins certified in Proof The Gold Eagle Proof coins that we offer have
70 condition are the finest specimens of these been independently tested and certified in perfect
coins known to exist, which is what makes them condition and are considered true Investment
Investment Grade Coins. Our executive team Grade Coins because of their quality. The value
has more than 50 years of combined professional of these certified coins is driven by their rarity,
experience creating metals investment portfolios expressed as the population of perfect condition
and has identified the Gold Eagle Proof Series as coins in the market, which are called “Proof 70s” in
the top recommendation for those interested in a coin certification terminology.
certified gold coin investment. These coins come
in sets of four coins -- one of each size coin minted The population figure indicates how many of these
in the same year. coins are in existence in the world. Generally
speaking, the lower the population the higher the
Due to increasing demand and a fixed supply, the price. For some coins, this population number
price stability for these coins is more predictable can be extremely low -- we’re talking fewer than a
than bullion. That’s why the U.S. Gold Bureau few hundred examples in the entire world. This is
recommends these coin sets as a long-term store of the case, for instance, for the Gold Eagle Proof 70
value, while setting you up with an opportunity for 4-Coin Set from 1993. Because of the extreme rarity
reasonable appreciation over time. It is important of this set, it has increased in price exponentially
to keep in mind that these gold coins will never and is very difficult to find for sale on the open
be lower in value than the metal content weight of market. These are the types of coins we work to get
each coin, respectively. As such, there is always a into the hands of our clients, because we want them
pricing floor on these coins -- something that can’t to have the best opportunity for appreciation.
be said about equities or bonds.

5
 ED MOY SIGNATURE SERIES
Our firm aggressively acquires these coins wherever we can find them, PROOF 70 COINS: A U.S.
which may include estate sales, private auctions, national coin shows, GOLD BUREAU OFFERING
and through buy-backs from existing investors. We are leaders in the The U.S. Gold Bureau has partnered
Gold Eagle Proof 70 market and have become a source for market- with former Director of the U.S.
Mint Ed Moy to feature hand-signed
making in this series of coins. certification labels on Gold American
Eagle, Gold American Buffalo,
We are eager to buy these sets, whenever and wherever we find Platinum American Eagle, and Silver
American Eagle Proof 70 coins. The
them. In fact, we ask for first right of refusal when our clients want Ed Moy Signature Series is unique to
to liquidate, since we want these sets right back in our inventory. investors and collectors given Mr. Moy’s
hand signature on each and every label,
meaning the population for Proof 70
The Bottom Line coins and Date Runs will be low, adding
to the potential of the coins.
It’s generally a good idea for most people to diversify INTO precious
In addition to being the 38th Director
metals. But don’t forget to also diversify WITHIN precious metals, of the United States Mint, Edmund
or you could be right back on the same roller coaster ride that you C. Moy is a well-known author,
have no doubt experienced with your traditional investments. economist and public speaker. He
served as Special Assistant to President
George W. Bush for over five years
and assisted with the transition to the
new U.S. Department of Homeland
Security after September 11, 2001.
The U.S. Mint sold over a $1 billion
in numismatic collectibles and struck
over 16 billion coins in Moy’s first year
as director. During Moy’s tenure as
leader of the U.S. Mint, the financial
crisis and recession spurred an
EXCLUSIVE unprecedented demand for gold and
SIGNATURE silver bullion. The 50 State Quarter
program, the Presidential $1 Coin, and
SERIES the National Parks Quarter program
were also milestones of Ed Moy’s term
with the U.S. Mint.
In partnership with Ed Moy,
Coins with Ed Moy signature labels
38th Director of the United have made headlines due to their
extreme popularity and premiums
States Mint. All coin labels investors are willing to pay at auction.
The Ed Moy Signature Series of
are hand-signed. Proof 70 coins is no exception and
is an excellent way to diversify your
portfolio within precious metals.

Ed Moy Signature Series Proof 70

coins are available as single coins,
4-coin sets, and even as full Date Runs.

6
 THE SHELDON COIN GRADING SCALE
When a coin is certified, it is given a condition score from 1 to 70, which establishes the coin’s grade, based
on the sharpness of the original strike when the coin was minted, as well as the presence (or lack thereof)
of any imperfections, such as dings, scratches or even fingerprints.

Coins intended for general circulation are often referred to as “Business Strike Coins.” These coins have
a matte finish, just like a nickel or quarter that you may have in your pocket right now. The subset of
these coins that is at or near the top condition are called Mint State. A coin from the Old West that is in
superior condition, with minimal visible scratches, for example, may achieve a grade of Mint State 64,
written as “MS64.”

Proof coins differ in appearance from Mint State coins. The term “Proof ” refers to the method of
manufacture and not the condition of the coin. Proof coins are struck on a highly polished planchet (as
blank coins are called) giving the fields a mirrored effect while the image or portrait has razor-sharp edges
and a frosted finish.

Historically, proof coins were sometimes minted and given to

members of Congress, placed on display at exhibits and gifted to
foreign dignitaries. Most of these coins were never intended for
general circulation and are generally considered to be quite rare.

Modern Proofs are made by the United States Mint in gold,

silver, platinum, and palladium. The mintages of these coins are
nearly always a small fraction of the Business Strike coins that are
circulated as bullion. Oftentimes, the U.S. Mint will set a production
limit or only produce the proof coins for a certain period of time.
These Proofs are intended for collectors and investors and trade at
a higher premium above the spot price of gold, even before they are
certified. Plus, they are still backed by their metal content, which
assures their base value.

Proof coins that are certified are denoted with the letters “PR” or
“PF” and are generally in demand from investors when they achieve
the coveted Proof 70 status, since these are the rarest of the rare.

7
Sheldon Grading Scale
by Number / Grade / Description
#1 / Poor #25 / Very Fine #61 / MS61 or PF61 #66 / MS66 or PF66
Clear enough to Identify, date may All lettering and major features are Mint luster may be diminished or Coin has above average quality of
be worn smooth with one side of the sharp, light to moderate even wear is noticeably impaired, and the surface strike and full original mint luster,
coin blanked. Coins that are very seen on the surface and high points of has clusters of small contact marks with no more than two or three minor
badly corroded may also fall under the coin. throughout. Hairlines could be very but noticeable contact marks. A few
this category. noticeable. Scuff-marks may show as very light hairlines may show under
#30 / Choice Very Fine unattractive patches on large areas or magnification, or there may be one
#2 / Fair All lettering and major features are major features. or two light scuff marks showing on
Some detail shows. sharp, light even wear is seen on the frosted surfaces or in the field. The
surface and high points of the coin. #62 / MS62 or PF62 eye appeal must be above average and
# 3 - 3.5 / About Good, Almost Good Impaired or dull luster may be very pleasing for the date and mint.
Readable lettering although very #35 / Choice Very Fine evident. Clusters of small marks may
heavily worn. The date and design All lettering and major features are be present throughout with a few large #67 / MS67 or PF67
may be worn smooth. sharp, light even wear is seen on the marks or nicks in prime focal areas. Coin has a sharp strike with full
surface and high points of the coin. Hairlines may be very noticeable. original luster. May have three or four
#4 / Good Traces of mint luster may show. Large unattractive scuff-marks might very small contact marks and one
Rims of the coin are slightly worn, be seen on major features. The strike, more noticeable but not detracting
design is visible but faint in areas #40 / Extremely Fine/Extra Fine rim and planchet quality may be mark. On comparable coins, one
with many parts of the coin worn flat. Overall sharpness, light wear at the noticeably below average. or two small single hairlines may
Peripheral lettering nearly full. highest points of the coin, details of show under magnification, or one or
the coin are sharp. Traces of mint #63 / MS63 or PF63 two partially hidden scuff marks or
#6 / Choice Good luster may show. Mint luster may be slightly impaired. flaws may be present. Eye appeal is
Rims of the coin are complete Numerous small contact marks, and exceptional.
peripheral lettering full. #45 / Choice Extremely Fine a few scattered heavy marks may be
Slight overall wear at the highest seen. Small hairlines are visible with- #68 / MS68 or PF68
#8 / Very Good points of the coin (examples being out magnification. Several detracting Coin has a sharp strike with full
Slight detail shows, two to three letters raised features), all the details are full scuff marks or defects may be present original luster, with no more than four
of the word LIBERTY show with coins and very sharp. Mint luster may show throughout the design or in the fields. light scattered contact marks or flaws.
of this feature, for example. only in protected areas of the coin's The general quality is average, but No hairlines or scuff marks show.
surface. overall the coin is rather attractive. Copper coins have lustrous original
#10 / Choice Very Good color. Eye appeal is exceptional.
Slightly clearer design features, five #50 / About Uncirculated, #64 / MS64 or PF64
or possibly six letters of the word Almost Uncirculated Coin has average luster and strike for #69/ MS69 or PF69
LIBERTY would show with coins of Traces of wear at the highest points of the type. Several small contact marks Coin has a sharp strike with full
this feature. the coin, at least half of the original in groups, as well as one or two original luster, with no more than two
mint luster remains. moderately heavy marks may be small non-detracting contact marks or
#12 / Fine present. One or two small patches flaws. No hairlines or scuff marks are
Some deeply recessed areas with #55 / Choice About Uncirculated of hairlines may show under low visible. Eye appeal is exceptional.
detail, all lettering is sharp, The word Three-fourths of the original mint magnification. Noticeable light scuff
LIBERTY is complete with coins luster remains. marks or defects might be seen within #70 / MS70 or PF70
of this feature but may be weak. the design or in the field. Attractive The perfect coin, as minted. Has no
Moderate to considerable even wear #58 / Choice About Uncirculated overall quality with a pleasing eye trace of wear, handling, scratches or
throughout the coin. Almost all of the original mint luster appeal. contact with other coins. Coins in this
remains. grade are almost non-existent in older
#15 / Choice Fine #65 / MS65 or PF65 coins with very few examples known.
Slightly more detail in the recessed #60 / MS60 or PF60 Coin shows an attractive high quality Copper coins are bright with full
areas of the coin. Unattractive, dull or washed out of luster and strike for the date and original color and luster. Eye appeal is
mint luster may mark this coin. mint. A few small scattered contact exceptional.
#20 / Very Fine There may be many large detracting marks, or two larger marks may
Moderate wear on the higher surface contact marks, or damage spots, but be present, and one or two small
features. absolutely no trace of wear. Rim nicks patches of hairlines may show under
may be present, and eye appeal is very magnification. Overall quality is above
poor. Copper coins may be dark, dull average and overall eye appeal is very
and spotted. pleasing.

8
 GOLD IS THE ONLY REAL MONEY
Gold, by nature’s design, is indestructible. If you
apply heat to gold, it turns to liquid and is still gold.
Once cooled, it becomes the familiar solid form we
all recognize. If you take a hammer and beat it, you
still have gold. If you drop gold into the ocean and let
the salt water attack it for centuries, when you pull it
up, it is still gold!

This was one of the main reasons why gold became

money, because of its ability to maintain its integrity
without breaking down. Before gold was used as
money, people bartered with other commodities
such as corn, wheat, livestock, and others.

The problem with this system is two-fold. First, the

“equal value” problem -- what is more valuable, a
bushel of corn or a cow? Since each commodity had
a different value, it was hard to set a standard value.

For instance, how do you value a cow relative to other

commodities -- is it worth one bushel of corn, two,
or three? Gold Offers Greater Monetary
Security When Compared To
Well, it depended upon which commodity you owned.
If you owned the cow, of course you would consider Fiat Currency.
the milk and the meat to be the most valuable. But
if you owned the corn, you would say, that “without
corn to feed your cow, it will starve, so the corn is
more valuable” and the battle continued.

9
 UNDERSTANDING
SPOT PRICE
The “spot price” represents the current
market rate for gold (symbol: XAU)
and silver (symbol: XAG) contracts
as established by the Commodities
Exchange (COMEX), a division of
the New York Mercantile Exchange
(NYMEX). The COMEX is the
primary market for commodities
brokers, commercial producers and
institutional buyers to trade gold and
silver options and futures contracts.

The standard size of a contract is 100

ounces for gold and 5,000 ounces
The second problem with this system was the “store of value” problem. for silver. The NYMEX is also the
If you were a corn farmer and had a record crop producing more corn leading exchange for platinum,
than you could use, you would store your corn and save it. However, palladium, aluminum, copper, coal,
over time if you did not use the corn it would go bad and its value would crude oil, gasoline, heating oil and
other commodities. Prices listed on
diminish to zero. the COMEX in no way represent the
selling price for physical gold and
So, the commodities used in barter all had a shelf life and only had silver coins and bars to individual
investors, though the spot price is one
value for a limited amount of time. Additionally, all commodities have of several components that ultimately
different values to different users so there was no standard for all people. does set that price. For example,
the U.S. Mint sells its gold coins to
If you were poor, corn would be very important and have a high value, distributors at a premium of 3% to 5%
over spot price, and its silver coins at
however if you were rich, corn may not be as valuable to you beyond closer to 10% “over spot.”
a certain amount. This is why a system was needed so that all people
would have a standard measure of values.

Gold had all the answers!

Gold is a commodity, yet is limited in supply. It is indestructible, so it
will last forever. If you were rich or poor, you wanted it. Mankind had
created “the Gold Standard,” a standard of value for all. Gold is true
money and is recognized all over the world as valuable.

10
 THE HISTORY OF GOLD
Gold through the ages. Since the major nation state continues to have some form of
dawn of civilization, gold has been gold coin in circulation, although their legal tender
values are largely symbolic.
prized by every major culture and
nation state. Around the world, such gold coins have become
highly prized collectibles with values that are, in
The universal appeal and intrinsic value of gold has many cases, exponentially higher than the value of
survived the rise and fall of the Egyptian, Greek, the base gold bullion content value.
Roman, Spanish and English empires. By the time
Jesus was born, gold had been in widespread use Think about it. After more than
for 4,000 years. 6,000 years have passed, gold
Gold’s first historically documented appearance remains the most stable, portable
as ornamentation dates as far back as 4000 B.C. and universally recognized store
in Central and Eastern Europe. By 3000 B.C., the of value ever known!
Egyptians were beating gold into leaf and creating
metal alloys to improve its color and hardness. Its popularity and demand are at an all-time high, and
yet, many people still do not understand why some
During this same era, the Sumerians, in what is gold is worth more than its own weight in gold.
now modern day Iraq, began creating gold jewelry.
By 1500 B.C., gold’s universal popularity was so
prevalent throughout the civilized world that it was
the standard exchange of value for settling trade
imbalances among nations.
During this same era, the shekel became the first
coin circulated using 2/3 gold and 1/3 silver content.
By 560 B.C., the first coin minted from pure gold
first went into circulation in Asia Minor and gold
coins have been minted ever since.
Throughout all of civilized history, nations have
fought wars to gain it and have spent fortunes to
protect it. In today’s modern world, virtually every

11
All Gold is NOT
Created Equal
So, when is gold worth more than its own weight?
The same three principles of rarity, condition and historical significance
affect the future value of any type of rare tangible asset.

For another example, consider how much the bat that Babe Ruth used to
hit the last of his historic 714 home runs would be worth today? Or, the
bat Hank Aaron used to hit his 715th home run — the one that broke
Babe’s record?

There is little doubt that each of these bats is worth more than the actual
value of the wood from which they are made. Why? Once again, primarily
because of the rarity of each of these individual bats and its respective
historical significance. Condition in these cases is only a minor factor.

Like King Tut’s gold and these legendary

baseball bats, the future value of any gold
coin depends on its supply, condition, and
historical significance.

12
 AVOID THESE COMMON MISSTEPS OF
FIRST-TIME GOLD BUYERS
MISTAKE #1

Buying only bullion gold coins instead of creating a balanced

portfolio with Investment Grade Coins
Diversification is the key to safety in all investing. Gold bullion can be beneficial for short-term goals,
but the governments and central banks around the world that own gold can have a major effect on your
gold’s value.
Gold can be used to manipulate the value of world currencies and, therefore, can be used for political
purposes, causing the value of gold bullion to rise and fall overnight, wreaking havoc on your portfolio.
When moving assets into precious metals, diversification is the smart move. This will provide you with
the most safety and growth possible and protect you from the downside risk of bullion while giving you
the security and long-term growth potential available with high quality Investment Grade Coins.

MISTAKE #2

Owning gold stocks or ETFs instead of physical metal

Having possession of gold, the physical metal, offers the most protection that precious metals can
offer. When you purchase gold stocks, exchange traded funds (ETFs), or bank storage programs, you
do not necessarily own gold and you are at the mercy of a company’s management to ensure the safety
of your investment.

13
MISTAKE #3

Investing the wrong amount

Just like any investment, you should not put all your eggs in one basket.
Financial experts recommend that you should have as low as 5% and
as high as 20% of your assets in gold and other precious metals. There
are times when having even more of your assets preserved in metals
can prevent major losses that can occur from overexposure to stocks.
When investing in precious metals, knowing how much to invest
comes down to one question: Can I put this money aside and not
touch it for at least 5-10 years?
If the answer is yes, then you should consider gold, and especially
Investment Grade Coins, to maintain your purchasing power as part
of your overall investment strategy. If you will need that money to live
on in the short term, then you should seriously reconsider entering
the gold market.
The U.S. Gold Bureau recommends checking with a Registered
Investment Advisor to determine the proper allocation to precious
metals that is right for you.

14
 METALS IN YOUR RETIREMENT ACCOUNT
Gold & Silver Can Help Safeguard Your Savings from the Devaluation of the U.S. Dollar!
Planning for a secure retirement is one of the most important decisions investors will ever make, right
up there with buying a home and saving for your children’s education. Do it right and you can rest easy,
knowing that your nest egg will be waiting for you when you decide to hang up the boots and enjoy an
exciting new phase of your life. Do it wrong and you may be disappointed to discover that your Golden
Years aren’t what you always hoped they would be.

Thanks to a little-known law, you can put gold or silver into your IRA or 401k
account to own physical precious metals in coin or bar form. You’ll never have
to wonder if your retirement is secure because YOU have all the control.

Think about this for a minute:

• Most investors have a retirement portfolio that is heavily weighted in volatile equities and hasn’t
been rebalanced in years.
• People nearing retirement have the most to lose when the stock market declines.
• For the next 20 years, about 10,000 Baby Boomers will turn 65 each day. (Pew Research Center, 2010)
• Increasing asset prices have made it harder than ever to build a nest egg.
• The average life expectancy is rising - retirees will need more money than ever.
• The current ratio of workers to retirees is 5:1. By 2050, it will drop to 3:1. (U.S. News & World Report, 2012)
• There is an ever-smaller number of workers to support increasing numbers of retirees.

Because of all this, there is increasing pressure on the federal government to redistribute wealth and “move
money around” to take care of people that don’t take care of themselves, and there is a very real concern
that the money you’ve been socking away in your IRA or 401K retirement plan may not actually be there
when you need it.

This has already happened with many private pension plans, municipal retirement plans and other ac-
counts that investors thought were secure, but turned out not to be. Just think about the unfortunate indi-
viduals who invested for their retirement with Bernie Madoff!

15
What’s the Solution?
Take back control of the financial future for yourself and your family. Don’t rely on the government, or
anyone else, to take care of your hard-earned retirement savings for you. We can help you to transfer funds
from your current IRA or your former 401K/403B account to buy physical precious metals, which can
assist in preserving your buying power while diversifying your assets from the stock market.

Open an IRA with us and we’ll work to ensure there are no unnecessary fees!

You will even have a personal IRA Retirement Account Executive to walk
you through the entire process, because preserving your money from
volatility should be a lot easier than making it was!

Get started with a Precious Metals IRA today. Every day you wait,
your dollar could be worth less and less.
Call (800) 775-3504 or visit www.usgoldbureau.com/ira

IT’S TIME TO PUT YOUR

MIND AT EASE BY MAKING
PRECIOUS METALS A VIABLE
PART OF YOUR RETIREMENT
SAVINGS PLAN.

16
 METALS IN YOUR RETIREMENT ACCOUNT
Continued ...

The laws have changed and individual investors can now roll over funds
from an existing retirement account into a Precious Metals IRA or 401K
to buy and sell gold, silver, platinum, and palladium without ever having
to have the cash in-hand.
Our Retirement Services Division helps investors understand the specifics about how precious metals can
play a key role in their account. Our Retirement Specialists will guide you through the entire process of
incorporating precious metals into your portfolio, recommending options that are best suited for your
individual goals, and helping to avoid unnecessary fees and penalties along the way.

The U.S. Gold Bureau does not recommend the early withdrawal of retirement funds to buy precious
metals if it will result in significant fees incurred, but that decision is ultimately up to you.

Precious metals continue to be a hedge against financial upheaval.

Since the dawn of civilization, precious metals have been used as a hedge against political chaos, economic
downturns, and financial crisis. Get started with a Precious Metals IRA today to help shelter your retirement
savings account against the next downturn in the financial market. Every day you wait, your dollar could be
worth less and less.

Start a Precious Metals IRA today! Contact your Account

Executive and ask about our free IRA rollover kit:
(800) 775-3504 or visit www.usgoldbureau.com/ira

17
 GOLD PROTECTS YOUR

Gold Ownership
BUYING POWER
In 1950, you could have purchased a
house for $17,500. At that time, the

Helps Preserve
price of gold was $35 per ounce, so you
could have paid for that house using
500 ounces of gold.

Purchasing Power Since that time, the value of the dollar

has plummeted and the price of gold
has risen dramatically. To purchase a
similar house in 2022, you would need
$363,700* BUT ONLY 202 ounces of
It’s like locking in 99¢ gas for the gold, based on a price of $1,800 per oz.

rest of your life, but you can do it For thousands of years investors have
preserved their buying power through
on a much larger scale. gold ownership. It’s like locking in 99¢
gas for the rest of your life, but you can
do it on a much larger scale.

$363K

Average
Home Cost
Then & Now

500 oz.
$17.5K Gold

202 oz.
Gold

1950 1950 2022 2022

CASH GOLD CASH GOLD
*Source: https://www.daveramsey.com: Housing Price Trends

18
 Texas Bullion Depository
The Ultimate Protection For All Your Precious Metal Assets
The Texas Bullion Depository is an agency of the State of Texas. It is the state’s official bullion storage facility
and offers individual investors, institutional investors, IRA custodians, family offices, corporations and mining
operators a more secure and cost-effective way to store precious metals while eliminating counter-party risk.
Your assets are fully segregated and insured when stored at the depository.

When you make an acquisition through the U.S. Gold Bureau, we can help arrange to have your
precious metal coins and bars delivered to your account at the Texas Bullion Depository.

Ensure your gold, silver, platinum, and palladium assets are always
safe and available when you need them most.

Contact your U.S. Gold Bureau Account Executive today

for complete offer details:

TOLL FREE (800) 775-3504

19
Benefits of Storage at the
Texas Bullion Depository:
• Releases you from the burden of securing your assets
at home
• State of Texas oversight ensures the integrity of
services offered at the depository
• Cost of storage, including insurance, is generally less
than just the premium charged by your insurance
company on metals you store at home
• Makes your home less of a target than it may
otherwise be
• All deposits include 100% all-risk insurance through
the Lloyd’s of London insurance marketplace The Texas Bullion Depository
ensures that your precious metal
• In the event you move, you don’t have to worry where assets are safe. The facility uses
your metals are located multiple, overlapping layers of
• Gain access to your investment whenever you need it security to ensure proper chain
of custody -- from the time your
• Annual storage fee is only half a percent (.5%) of your
metals are deposited, to the time
asset value you withdraw them and they
are shipped back to you. If you
ever want to liquidate the assets
held in your account at the Texas
Bullion Depository, the U.S. Gold
Bureau can help you facilitate your
transaction, ensuring you receive
cash for your precious metals
quickly and painlessly.

20
 WHAT YOU NEED TO KNOW
Understand the Risks

ALL INVESTMENTS INVOLVE RISK, PRECIOUS METALS - INCLUDING BULLION,

NUMISMATIC, AND INVESTMENT GRADE COINS - ARE NO EXCEPTION. YOU MAY LOSE
MONEY OWNING AND INVESTING IN ANY FORM OF PRECIOUS METALS. The precious metals
markets, inclusive of rare and Investment Grade Coins and and other currencies, are speculative, unregulated
and volatile and prices for these items may rise or fall over time. The United States Gold Bureau does not
guarantee that any client buying for investment purposes will be able to sell for a profit in the future. You
should have adequate financial resources and cash reserves available to you before making a decision to own or
invest in precious metals.

The value of raw bullion and raw bullion coins is largely determined by the current spot or market price
of bullion. This price fluctuates throughout the trading day.

The value of a numismatic, rare, or Investment Grade Coins is determined by multiple factors which can
and do fluctuate independently from bullion prices. These factors include: the perceived scarcity of the
coin, its quality, current demand, market sentiment, and economic factors.

Bullion, rare coins and rare currency can go down as well as up in

value. These items may not be suitable for everyone. Our firm does not
determine the suitability of any specific person to purchase rare coins,
bullion or rare currency. We are not licensed as investment advisors,
you should check with your Registered Investment Advisor before
making any decision to reallocate funds, inclusive of retirement
account funds, into precious metals.

You should consult with your independent financial advisor

regarding whether an investment in rare coins, modern rare coins,
bullion or rare currency is right for you. You should not acquire
any products from us or anyone else if you are not qualified
to make your own financial decisions. You should obtain a
thorough understanding of the coin and bullion products before
you acquire these products as a collector or investor.

21
 OUR COMMITMENT
TO YOU
The U.S. Gold Bureau was founded to
bring trust and integrity to all aspects
of the precious metals acquisition
process. Our goal is to always exceed
our customers’ expectations by helping
them to make better, more informed
buying decisions.

Headquartered in Austin, Texas, our

firm maintains a technologically
advanced facility -- helping to
ensure that each order is processed
and treated with tremendous care.
We’re confident that once you do
business with us, you will become
a client for a lifetime.
The investment value of a rare coin depends in large part on the price
you pay. If you are acquiring any of our products as an investment, you We understand that when acquiring
precious metals, you have many
should evaluate its current market value, potential for appreciation choices to consider. Your Account
and liquidity, and consult independent sources regarding these factors. Executive will serve as a great resource
to guide you step-by-step as you
Since rare coins, Investment Grade Coins, and bullion and currencies navigate through those choices. Each
of our Account Executives has been
can decline in value, you should have adequate cash reserves and through an extensive training program
disposable income before considering acquiring a coin, currency or and is well equipped to assist you at all
any type of precious metal product. stages of the process.

Whether you decide to move forward

We do not recommend early withdrawal from accounts or securities with a purchase today or at some point
which may result in substantial penalties or fees. You should consult in the future, our hope is that you will
with your independent financial advisor before disposing of any security, feel a sense of confidence knowing
that you are dealing with a reputable
annuity, Certificate of Deposit, or other investment to acquire rare coins, organization.
modern rare coins, currency or bullion.
We’d enjoy the opportunity to speak
The U.S. Gold Bureau is not responsible for any changes in tax laws or with you, even if you are just interested
in learning about precious metals.
other statutes which may affect any profit or salability of your bullion
metals, coins, or currency.
Call us anytime at (800) 775-3504 or
visit us online at usgoldbureau.com
for current news and information,
tips on how to invest, FAQs, current
recommendations, and much more.

22
 PORTFOLIO BUILDER
Precious Metals Investing: Adding to Your Portfolio for the Future

Determining what type of gold is right for you.

The Account Executives at the U.S. Gold Bureau will work with you to create a
balanced metals portfolio of products that will help you meet the goals you are trying
to achieve based on your tolerance for risk, time frame and investment philosophy.

We can help recommend specific allocation levels of bullion, numismatic and

investment coins to build a strategy designed to safeguard your portfolio from
fluctuations in the commodities market while protecting your investments for the
long-term; however, the ultimate decision is up to you.

Completing our Metals Investor Worksheet will help uncover your risk tolerance,
time frame and other key factors that will assist you in determining how you should
structure your metals portfolio. You can use this information, along with your Metals
Investor Score, when you speak to an Account Executive, so you will be on the same
page and work toward the same objectives.

For a free consultation with an Account Executive, a price quote, or

to place an order, call our Gold Hotline at (800) 775-3504 or visit us
online at www.usgoldbureau.com.

23
Complete the
Metals Investor
Worksheet »
to begin building your
precious metals portfolio

24
 PORTFOLIO BUILDER
How to Build Your Precious Metals Portfolio
Should you invest in raw coins and bars (bullion), or would you be better suited to acquire Investment
Grade Coins? It depends on the goals and objectives of you have in mind. Put a check mark in the circle of
the number that indicates where you rank on the scale for the following questions. This will help determine
what precious metal investment options are right for you. There are no right or wrong answers!

How long do you want to hold your

1
1 2 3 4 5
investment before cashing out? I could sell I want my family to
at any moment inherit it

How much experience do you have

2
1 2 3 4 5
investing in commodities (crude oil, I’m an expert Only at the
coffee, futures, pork bellies, etc.)? commodities broker grocery store!

How much risk can you handle when

3
1 2 3 4 5
it comes to investing? I am willing to risk a I’m trying to protect my
lot to gain a lot assets with low risk

How much time do you want to

4
1 2 3 4 5
devote to managing your investment I can take whatever I don’t want to have to
in metals on an on-going basis? time it takes worry about it

My financial portfolio already contains

5
1 2 3 4 5
collectibles, such as fine art, antiques, This is mostly what I don’t own any of
memorabilia, classic cars, etc. I own these things

25
 My financial portfolio already contains
6
1 2 3 4 5
cash, cash equivalents, stocks, mutual 0% of my portfolio 100% of my portfolio
funds, equities, savings accounts,
foreign currency or raw precious metals.

How certain are you that the “spot”

7
1 2 3 4 5
price of gold will continue to climb? Gold will definitely go up I really don’t know
after I invest

Do you think you may ever need to

8
1 2 3 4 5
use your metals as actual currency to Yes, the financial system No, this is just an
is about to collapse investment
pay for goods?

What is the primary goal of your

9
1 2 3 4 5
precious metals investment? I’m trying to make a I want to shelter and
quick buck grow my assets

1 2 3 4 5
10 What kind of investor are you? I’m a day trader I’m in it for steady,
stable growth

Add up your score from each question and enter your total:

26
 PORTFOLIO BUILDER
What Does Your Portfolio Score Mean?

10–25: Survivalist
You are a confident commodities/metals buyer who understands the bullion market and
wants to be ready to cash out at a moment’s notice or use your bullion to buy supplies in case
the financial system fails and the worst-case scenario happens. Your portfolio should contain
mostly bullion. Consider silver ounces and small-sized gold coins.

21–30: Aggressive Investor

You are well-versed in commodities/metals trading and may have sincere concerns about the
stability of our government and the economy. You want to be prepared for whatever may come
and you’re comfortable with the increased risk that goes along with an aggressive investment
strategy. Your portfolio should lean toward bullion, with a small amount of Investment Grade
Coins as a hedge.

31–40: Moderate Investor

You understand the importance of diversifying your assets and are seeking new ways to create
a balanced financial portfolio. You realize that all investments have some degree of risk, but
you’d like to do what you can to minimize potential losses while positioning yourself for longer-
term gains. Your portfolio should be balanced, with a nearly equal portion of bullion and
Investment Grade Coins.

41–50: Conservative Investor

You are concerned about the direction the country may be heading and you are unsure what
the future may hold. You do not like risky investments and do not want to have to “play” the
market to get the return you are looking for. You understand that long-term investments are
generally more secure and you want to help secure the future for your family. Your portfolio
should be heavily weighted toward Investment Grade Coins, with some allocation to bullion.

Your Metals Investor Score helps to indicate where you rank on several of the key factors that you should
consider when creating your investment strategy, including your risk tolerance, time horizon, liquidity
requirements, and investment philosophy.

Your Account Executive at the U.S. Gold Bureau can review your score with you and use it to help develop
an investment portfolio that is customized to your individual goals and objectives. You can also email your
completed worksheet to [email protected] for a free analysis.

27
ACCOUNT SET UP
How to Get Started

The U.S. Gold Bureau makes it fast, easy

and secure to invest in precious metals.
Just follow these simple steps:

Call us at (800) 775-3504 during standard

1 business hours to speak with an Account
Executive and set up a new account.

Place your initial deposit to fund your

2 account. This can be done with a credit
card, wire transfer or electronic check.

Work with your Account Executive to

3 develop your metals investment strategy
and determine the details of your
acquisition.

Your precious metals will be delivered

4 via a secure FedEx shipment or armored
truck as quickly as possible.

28
www.usgoldbureau.com
(800) 775-3504

© Copyright 2023 USGB, LLC. All Rights Reserved.