Good day to our readers...
Thank you for wanting to stay ahead of the curve.
Most people who contact us are weighing up the same question: is physical gold actually worth holding, or is a cash ISA doing the same job? Rather than tell you, here is what the last ten years actually looked like.
£20,000, ten years, side by side. The ISA assumes a competitive 4% fixed rate. The gold figure uses the average annual return in pounds sterling over the ten years to May 2026 (11.6%, source: goldprice.org).
1. UK legal tender gold coins, Britannia's and Sovereigns, are currently exempt from Capital Gains Tax for UK residents. Tax treatment depends on your individual circumstances and may change.
2. Money in a savings account is a number on a screen. Physical gold, delivered to your door, is a finite asset that has functioned as money for over five thousand years. Both have a role. They are not the same thing.
3. Gold has historically performed well during some periods of uncertainty in markets and currencies, though not all. That is why many investors hold it, not as a bet, but as a counterweight.
Storage with Britannia Bullion is simple: 1.2% + VAT per year on the value of your holding, fully insured with Brink's or at our Vault, your gold in your name. No hidden fees, no fine print.
The headline figure averages out the things you cannot avoid.
UK consumer prices have risen 28% over the last five years, but food is up 39% and typical energy bills are 44% higher than before the price cap was introduced. The things you buy every week have outpaced the official figure. The question is... is your hard earned money out pacing the cost of living? if not, it feels like our money is losing its purchasing power?
Sources: food and non-alcoholic drink prices +38.6%, Nov 2020 to Nov 2025, House of Commons Library calculation based on ONS CPI series D7G8. Typical dual-fuel energy bill £1,137 (Jan 2019) to £1,641 (April 2026), Ofgem price cap, +44%. Headline CPI +28.2%, Aug 2020 to Aug 2025, ONS. Core CPI ~+27% over the same period.
If anything raises a question, the figures, the tax position, what £20,000 buys you in physical metal today, reply to this email and I will answer personally.
Kind regards,
Kane White
CEO, Britannia Bullion
Capital at risk. The price of gold can fall as well as rise and you may get back less than you invest. Past performance is not a reliable indicator of future results. Figures are illustrative, based on historical data. Not financial advice. Physical gold is not FSCS protected. Tax treatment depends on individual circumstances and may change. Britannia Bullion is a trading name of Montford Group Ltd. Seek independent financial advice if unsure.
