1 Precious Metals, Art & Collectibles M ISCELLANEOUS T OPICS

2 Investing in Precious Metals Gold  Bouillon – bars and wafers  Gold bouillon coins  Gold stocks  Exchange-Traded Mutual Funds (ETFs) Silver Platinum, palladium and rhodium If you believe that the world economy is going to fall apart anytime soon, put your money here! “…if your reason for owning gold has something to do with the end of the world as we know it, shotguns and canned food probably would be more practical investments.” – Tom Petruno, Los Angeles Times

3 Growth of $1 Investment 1801 – 2009

4 Investing in Precious Gems Precious stones  Diamonds  Sapphires  Rubies  Emeralds Diamonds are not an investor’s best friend!

5 Investing in Collectibles Includes rare coins, works of art, antiques, stamps, rare books, sports memorabilia, rugs, Chinese ceramics, paintings and other items that appeal to collectors and investors Can be both a good investment and a hobby, or a financial disaster (Example: El Cajon Barbie Guy) Be careful of investment scams Know the dealer’s reputation Comparison shop “Don’t buy art as an investment.” Christopher Burge, Christie’s Auctions

6 Metals, Art, Collectibles & Taxes The maximum capital gains tax rate on most all investments is currently 15% and could be as low as 5% The capital gains tax rate on precious metals, art, and collectibles is 28% None of these investments are eligible for tax-qualified accounts (i.e. retirement accounts, educational savings accounts, etc.) Do ya’ think the Congress is trying to tell ya’ something?