Move from financial assets to hard assets

Uncertainty economic makes the investment return is not good. A certified deposit just give 2% interest rate per year that is far from inflation rate. The stock return is also not good in past decades. Some investor who invest for short time does not get the appropriate return.
Being worried by next bubble dotcom that loss some investor money, some clever investor remove their financial asset to hard asset. Hard asset is different with the financial asset because we can hold the asset. Meanwhile, we just hold the paper for financial asset. We have the part of the company by holding some paper.
Some investor change the investment to hard asset. They do not want take a risk with the stock. Some woman buy fashion collection such as famous brand handbags that they can wear it and sell whenever they are bored with it. This is not a profitable investment, however, it is better than investment. Woman also like jewelry especially gold. This shine yellow metal can be made become ring, bracelet, necklace, and ear stud.
The gold is stable and can give you high return but jewelry is little bit different with gold. The fabrication cost is high and most jewelry store will buy cheaply.
Most investor will prefer gold bar that value is very stable. Gold has been increasing recently due the dollar weaks and high inflation. Some investor are worried with uncertainty United States economic that looks not end. The gold bar is liquid and we can sell it at jewelry store, gold store, and others.
Silver may be a good option for hard asset. The silver increases is higher than gold increases. In last this year, silver increases 127%, gold increases to 28% and Palladium increases 58 %. some investors increase the percentage of precious metal in precious metal from 10% to 25%.
The gem stones that people use for it for jewelery is also good for the investment. The polished diamond increases 13% in past twelve month.  You can also invest at other gems such ruby and zamrud (emerland).
However, hard asset is not liquid as stock. There is no stock exchange for the hard asset. Keeping hard asset in house is also risky. That is why people keep the hard asset in safe deposit box that guarantee the assets. The asset owner should pay the cost of storage and insurance around $13,000 for a million hard asset every year.

Pros and Cons Investing in Silver

People talk about silver that price is increasing more than hundred percent for past twelve months. This metal return is higher than the gold. This white shine metal has different characteristics with gold. Not all people use silver due its corrosive. The Silver is easy to dirty because the air can affect the shine of the color. The owner should clean the metal periodically. They can use clean cloth and polish it. To prevent the shine metal, some owner also polishes it with addictive chemical.
Most silver are used for jewelry, accessories, handcraft, spoon, watch, and else. Some country also uses silver as coin.
Silver is different to gold that can be used for various such as electric cable, processor, fake teeth, electronic component, and else. Its corrosive character makes this metal is not good for electronic use.
Like other precious metal, silver has a risk We have to pay the saving deposit box to keep silver. The cost is about $ 13,000 for every million dollars.  The deposit box guarantee our silver security and will change your silver if someone steal your silver from deposit box. 
Silver is not too good for jewelry due to its white shine color. Most people do not use silver as jewelry especially rich people.
The weight of silver is heavy. A troy ounce of silver price is only $ 35. You can buy a ton of silver for $ 1,125,400.00
Another disadvantages of investing in silver that is not liquid or you are difficult to cash it immediately. You have to find the jewelry store or silversmith that want to buy your silver.
Due to its limited purpose, the demand of silver is lower than the gold. I hear that the silver price just decreased. In May 6th 2010, the price drop to 10%. This is the biggest decreases price due to dollar become strong. Most precious metal has reversely movement with dollar currency. When dollar is strong, the precious metal decreases and reversely.
However, silver can be a good alternative investment. The silver price may fall but it is difficult to fall again. The silver could reach high price due to the panic investor who want to keep their money.
We can keep this metal as our investment. The investor should know when the right time to buy silver. They can buy when the silver decrease and sell it when the price is high.