{"id":70163,"date":"2023-10-23T10:05:14","date_gmt":"2023-10-23T10:05:14","guid":{"rendered":"https:\/\/adamfayed.com\/?p=70163"},"modified":"2025-04-09T17:00:21","modified_gmt":"2025-04-09T17:00:21","slug":"what-are-the-benefits-of-investing-in-gold-and-silver-are-there-any-risks-associated-with-this-type-of-investment","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/es\/uncategorized\/what-are-the-benefits-of-investing-in-gold-and-silver-are-there-any-risks-associated-with-this-type-of-investment\/","title":{"rendered":"\u00bfQu\u00e9 ventajas tiene invertir en oro y plata? \u00bfExiste alg\u00fan riesgo asociado a este tipo de inversi\u00f3n?"},"content":{"rendered":"<p>Escribo a menudo en Quora.com, donde soy el escritor m\u00e1s consultado sobre temas financieros, con m\u00e1s de cientos de millones de visitas en los \u00faltimos a\u00f1os.<\/p>\n\n\n\n<p>En las respuestas que figuran a continuaci\u00f3n me he centrado en los siguientes temas y cuestiones<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00bfQu\u00e9 ventajas tiene invertir en oro y plata? \u00bfExiste alg\u00fan riesgo asociado a este tipo de inversi\u00f3n?<\/li>\n\n\n\n<li>Do hedge funds outperform the market? Basically, of all the hedge funds that existed at time now &#8211; T, what is their overall return relative to the S&amp;P 500, taking the failed funds as a complete loss?<\/li>\n\n\n\n<li>How can I invest in Africa?<\/li>\n\n\n\n<li>Do I trust corporations?<\/li>\n\n\n\n<li>Can you live a rich lifestyle your whole life?<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>If you want me to answer any questions on Quora or YouTube, or you are looking to invest, do not hesitate to<a href=\"https:\/\/adamfayed.com\/es\/#contact-me\">\u00a0p\u00f3ngase en contacto conmigo<\/a>, email (advice@adamfayed.com)\u00a0or Whatsapp.<\/p>\n\n\n\n<p>Es posible que algunos de los enlaces y v\u00eddeos a los que se hace referencia s\u00f3lo est\u00e9n disponibles en las respuestas originales.<a href=\"https:\/\/www.quora.com\/What-are-the-benefits-of-investing-in-gold-and-silver-Are-there-any-risks-associated-with-this-type-of-investment\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<div style=\"height:28px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfQu\u00e9 ventajas tiene invertir en oro y plata? \u00bfExiste alg\u00fan riesgo asociado a este tipo de inversi\u00f3n?<\/strong><\/h2>\n\n\n\n<p><strong>The benefits are:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It is uncorrelated to the stock market, meaning it can go up when the markets are down and vice versa<\/li>\n\n\n\n<li>If things get terrible, they could become very worthwhile\u2026\u2026mind you, if that happened, people would beat you up in the street to get their hands on your food and gold bars!<\/li>\n\n\n\n<li>It is a way to diversify.<\/li>\n\n\n\n<li>Occasionally, the price can get so deflated, like in 2000\u20132002. Then it looks like a good buy<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>The negatives are<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It doesn\u2019t pay dividends.<\/li>\n\n\n\n<li>It doesn\u2019t perform well long-term. It can do very well in the short and even medium term. But the price is about the same today as during the times of Christ in real terms! So, you can only \u201cwin\u201d with gold if you buy low and sell high.<\/li>\n\n\n\n<li>It is more volatile than the stock markets and produces lower returns in the long term. The worst of both worlds, in a way!<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>If you really want to buy metals, investing in something that pays cashflow is better.<\/p>\n\n\n\n<p>Investing in a cash-flow-generating project linked to metals or a fund that reduces tail risks makes more sense.<\/p>\n\n\n\n<p>It is still uncorrelated but at least produces cash flow and has better potential on the upside.<a href=\"https:\/\/www.quora.com\/Do-hedge-funds-outperform-the-market-Basically-of-all-the-hedge-funds-that-existed-at-time-now-T-what-is-their-overall-return-relative-to-the-S-P-500-taking-the-failed-funds-as-a-complete-loss\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<div style=\"height:28px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Do hedge funds outperform the market? Basically, of all the hedge funds that existed at time now &#8211; T, what is their overall return relative to the S&amp;P 500, taking the failed funds as a complete loss?<\/strong><\/h2>\n\n\n\n<p>The vast majority of hedge funds don\u2019t outperform the market.<\/p>\n\n\n\n<p>They usually aren&#8217;t trying to.<\/p>\n\n\n\n<p>In many cases, they try to give uncorrelated returns &#8211; meaning returns that aren\u2019t linked to the stock markets.<\/p>\n\n\n\n<p>In other words, some hedge funds can go up when the markets are down and vice versa.<\/p>\n\n\n\n<p>The problem is that most of the best-performing hedge funds become too big.<\/p>\n\n\n\n<p>Take the Bridgewater Funds.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-fa5fc36efffa89717fc85bdf70e123dd\" alt=\"\"><\/figure>\n\n\n\n<p>In the early years, they outperformed.<\/p>\n\n\n\n<p>Recently, they haven&#8217;t, as per the graph above.<\/p>\n\n\n\n<p>So, if you want access to hedge funds, you need to gain access to those few that offer value-added and haven\u2019t got so big to become less agile.<\/p>\n\n\n\n<p>Ultimately, making more significant returns with smaller amounts of capital is easier, compared to needing to deploy countless billions.<a href=\"https:\/\/www.quora.com\/How-can-I-invest-in-Africa\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<div style=\"height:28px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How can I invest in Africa?<\/strong><\/h2>\n\n\n\n<p>It depends on whether you want to invest in the stock market or unlisted businesses (including your own).<\/p>\n\n\n\n<p>You can either:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Invest in African ETFs or mutual funds<\/strong><\/li>\n<\/ol>\n\n\n\n<p>There are many options for this with <a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/es\/best-online-brokerages-in-singapore-2020-2021\/\" title=\"corredur\u00edas en l\u00ednea\" data-wpil-keyword-link=\"linked\">corredur\u00edas en l\u00ednea<\/a>.<\/p>\n\n\n\n<p>However, higher GDP growth doesn\u2019t always yield superior stock market returns.<\/p>\n\n\n\n<p>Look at the Shanghai Composite.<\/p>\n\n\n\n<p>It hit nearly 6,000 in 2006 and is now just over half of that value.<\/p>\n\n\n\n<p>During the same time many US stock markets have skyrocketed.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-418e29494c9359a31a202e3c05b35c47-lq\" alt=\"\"><\/figure>\n\n\n\n<p><strong>2. Target the region remotely<\/strong><\/p>\n\n\n\n<p>If you work in many fields, you can target the region remotely.<\/p>\n\n\n\n<p>Most services can be done cross-border.<\/p>\n\n\n\n<p>Africa was our second biggest region in 2021, and I never spent even one second in the continent in that year.<\/p>\n\n\n\n<p>We subsequently have many local partners, but that is beyond the point. In 2023, you don\u2019t need to be on the ground.<\/p>\n\n\n\n<p><strong>3. Invest in a local business on the ground<\/strong><\/p>\n\n\n\n<p>If you are in manufacturing or several other industries, you need a formal local presence.<\/p>\n\n\n\n<p>That often means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>More time (getting offices, licenses in some cases, etc)<\/li>\n\n\n\n<li>Buying materials<\/li>\n\n\n\n<li>More risk but the potential to have huge returns<a href=\"https:\/\/www.quora.com\/Do-you-trust-corporations\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<div style=\"height:28px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Do you trust corporations?<\/strong><\/h2>\n\n\n\n<p>It depends on which corporation.<\/p>\n\n\n\n<p>In general, though, big businesses and corporations aren\u2019t that trustworthy.<\/p>\n\n\n\n<p>Look at the financial services industry.<\/p>\n\n\n\n<p>The big banks are involved in the most money laundering scandals.<\/p>\n\n\n\n<p>HSBC is involved in numerous every year in some parts of the world!<\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-6d36685eab34a0f4803d56c8ef2d05cb\" alt=\"\" style=\"width:414px;height:auto\"><\/figure>\n\n\n\n<p><strong>For most bigger companies, you are:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Just a number<\/li>\n\n\n\n<li>A statistic to be measured<\/li>\n\n\n\n<li>Somebody to be taken for granted<\/li>\n<\/ul>\n\n\n\n<p>The best service is usually found with small or medium-sized firms.<\/p>\n\n\n\n<p>They need you more and offer more personalized service, rather than an outsourced call centre or somebody who just leaves after a few years.<\/p>\n\n\n\n<p>You might even deal directly with the owner, which means you can have a long-term relationship.<\/p>\n\n\n\n<p>What is true, however, is that the biggest companies are too big to fail, and working for them can sometimes help your CV if you are early into your career.<\/p>\n\n\n\n<p>It is also true that in some industries, say the airport or hotel industry, there are some bigger benefits associated with larger firms than the financial sector.<a href=\"https:\/\/www.quora.com\/Can-you-live-a-rich-lifestyle-your-whole-life\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<div style=\"height:28px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Can you live a rich lifestyle your whole life?<\/strong><\/h2>\n\n\n\n<p>Your relationship between production and consumption is key.<\/p>\n\n\n\n<p>If you are a farmer, you are producing food so you will never go hungry:<\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-d1638808f3f30f4c00d6697f3d4d569b\" alt=\"\" style=\"width:532px;height:auto\"><\/figure>\n\n\n\n<p>Most people are consumers of food only.<\/p>\n\n\n\n<p><strong>This is fine, but the cashflow for most people is:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Money in<\/li>\n\n\n\n<li>Money out<\/li>\n\n\n\n<li>No surplus to save and invest more<\/li>\n<\/ul>\n\n\n\n<p>You can only change this dynamic by changing the variables &#8211; consuming less or producing more.<\/p>\n\n\n\n<p>You have changed the dynamics if you produce more value for the market (it doesn\u2019t care about how hard you work &#8211; only what you can create that it wants).<\/p>\n\n\n\n<p>However, you are back to square one if you produce more and consume just as much.<\/p>\n\n\n\n<p>Many people are broke as students and are still broke in their 30s, even if they are earning 20x more.<\/p>\n\n\n\n<p>So, to answer your question, it is possible to live a \u201crich\u201d life forever after you have made it, but only if you control your relationship between consumption and production.<\/p>\n\n\n\n<p><strong>\u00bfLe duele la indecisi\u00f3n financiera? <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\" alt=\"\" class=\"wp-image-117505\" style=\"width:683px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/become-adams-client\/\">Convi\u00e9rtase en mi cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Realice el cuestionario de elegibilidad de clientes<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">P\u00f3ngase en contacto con<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam es un autor reconocido internacionalmente en temas financieros, con m\u00e1s de 830 millones de respuestas en Quora, un libro muy vendido en Amazon y colaborador de Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>I often write on Quora.com, where I am the most viewed writer on financial matters, with over hundreds million views in recent years. In the answers below I focused on the following topics and issues: If you want me to answer any questions on Quora or YouTube, or you are looking to invest, do not [&hellip;]<\/p>","protected":false},"author":1,"featured_media":70164,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[1],"tags":[],"class_list":["post-70163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/70163","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/comments?post=70163"}],"version-history":[{"count":1,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/70163\/revisions"}],"predecessor-version":[{"id":130871,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/70163\/revisions\/130871"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media\/70164"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media?parent=70163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/categories?post=70163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/tags?post=70163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}