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We're currently holding an excessive amount of cash. I'm looking for alternative places to park this which remain moderately liquid (accessible within a year), hedge against inflation better than fiat (lol), dont carry significant transaction costs (e.g. shoving kilos of precious metals in the basement is going to cost at least 1% buying AND selling), and isnt exposing us to excessive interest rate risk (I fully expect interest rates on sovereign debt to go to the fricking moon due to inflation and tank the values of current comically low interest bonds).

Any suggestions? This would not be an investment, just hedging inflation due to an excessive amount of cash.

We're currently holding an excessive amount of cash. I'm looking for alternative places to park this which remain moderately liquid (accessible within a year), hedge against inflation better than fiat (lol), dont carry significant transaction costs (e.g. shoving kilos of precious metals in the basement is going to cost at least 1% buying AND selling), and isnt exposing us to excessive interest rate risk (I fully expect interest rates on sovereign debt to go to the fricking moon due to inflation and tank the values of current comically low interest bonds). Any suggestions? This would not be an investment, just hedging inflation due to an excessive amount of cash.

(post is archived)

[–] • 1 pt

Right now? Gold and major cryptos. BRICS is considering a precious metals based competitor for the US Dollar.

You are going to have to pay to get in, sorry.

[–] • 0 pt

More cryptocurrency is certainly an option. It's highly volatile so I've been treating it as a SHTF hedge where I HODL with no plans to sell, but I may need to revise that if I expand my holdings.

[–] • 1 pt

15%-20% of your net worth in Gold, Silver and lead. The 1% will mean nothing when the SHTF.

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If the SHTF big time, 15-20% would exceed portability requirements. Heck, even bugging out with a couple thousand rounds gets problematic from a weight perspective never mind the comically large bags of precious metals you suggest.

[–] • 0 pt

Sounds like you have very good problems to have. Lol!

Gold is about $32K per pound. A thousand rounds would be 62.5lbs and worth $2M*** in today's dollars***. When/if gold skyrockets to $15K/oz, that 1000 rounds becomes $15M in future dollars.

Some invest in diamonds for portability, but JEWels are not my thing.

[–] • 1 pt

I was thinking more along the lines of firearm rounds. I keep some precious metal rounds on hand, but if SHTF to the degree where crypto is unusable...that's a Mad Max motorcycle gang dystopia. I dont foresee a lot of gold/silver purchases in a scenario like that. At that point it's down to "my gang invested in ammo crates, your gang did not, thank you for "donating" your food to us".

[–] [deleted] • 0 pt

buy non gmo Heritage Seeds,

You can't eat money!

[–] • 0 pt

If things collapse that badly, that's what ammo is for.

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Gold is near 2k, silver is just over 25- per Troy ounce. Me: Have watched those prices for years. They're high-ish. Silver will break 30 again, but that may take years. Gold will fall back to 1700, but that might take a week... They may go to the moon tommorow and never come down... (Lol, sure.) Yes, silver is completely controlled and undervalued (via paper dumping.) But, muh supply and demand? It's complicated, but the prices are manipulated. You: If you buy in now, it's gonna hurt your wallet. Be prepared to hold those investments for years or take a small loss by selling when spot prices fall. Also you: TAKE PHYSICAL DELIVERY OF THE ACTUAL PRECIOUS METALS. Don't buy paper. Sell privately, never in a pawn shop, etc. Do some research. Plenty of reputable online dealers to choose from. PM's have premiums, American Silver Eagles are near 20 over spot, so be prepared to pay. Etc, etc... Yes, PM's are wealth storage, they'll protect $$$ against inflation, historically speaking. Good luck on your investments. I'm not an investment anything, this is just my educated opinion. Thanks for coming toy Ted talk. No proof read, sorry, not sorry

[–] • 1 pt

I have similar concerns to you about gold/silver. Paper prices are ridiculously manipulated, and taking physical delivery is so costly over spot that it becomes less of an inflation hedge for liquid assets and more of a boomer tier collapse hedge.

[–] • 0 pt

Why do you need to stay liquid?

Bitcoin is the anti-jew. Make sure you take delivery into your hardware wallet.

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Need is a strong term. It's more along the lines of realizing we're holding an unreasonable amount of cash and not being sure what to do with it. Ergo trying to find an inflation-hedged home for it as an interim measure until we come up with a better plan for it with a specific time horizon.

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High yield CDs?

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I'm going to mull that over some more. It'd certainly maintain moderate liquidity, provide better inflation hedging than cash, and avoid the interest rate risk of e.g. bonds tanking in value if prime interest rates go to the moon.