Things are looking up for gold

By Bengt Saelensminde Aug 22, 2012

Bengt Saelensminde

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Today I’d like to talk to you about gold. Because despite the worsening situation in Europe, gold has been decidedly downbeat since last summer’s dash to $1,920. And I suspect that many people are beginning to lose interest.

I think that is a huge mistake.

Recently gold has broken out of its short-term trading range and there are some big buyers appearing on the scene. Hedge fund managers George Soros and John Paulson have both recently upped their exposure to old yella.

But perhaps more importantly, China has adopted a more aggressive stance towards the yellow stuff. Two Chinese state owned companies have been circling London-listed African Barrick Gold. And I think that’s an important development.

Today I’ll explain why and how you could profit from it.

China has a cash problem

On Monday we looked at the UK's national balance sheet. We saw that practically all our wealth resides in property – most of it on our green and pleasant isles. When it comes to productive assets, we have precious few to speak of.

Now, emerging-market countries may have little wealth. But they have something much better, and that is the means of creating wealth. Even as the global economy turns down, countries like China are still raking in dollars from international trade. In fact, one of their biggest problems is finding a safe place to stash their spoils.

Where are they going to stash that wealth?

Well it won’t be in Western currencies. Chinese officials are painfully aware of what we, in the West, are doing to our currencies. Their appetite for US Treasury bills is waning too.

But gold? Well they can’t get enough of it. They recognise something that we pointed out on Monday – gold is the only financial asset without a liability attached. It’s not dependent on any vacuous promises made by Western politicians.

The trouble is that the gold market is small. China can’t simply buy the stuff in the market because the price would fly and they’d soon find themselves priced out.

So China has to find another way of satisfying its voracious appetite for gold. And the way they’ve done that is by mining the stuff. According to Grant Sporre of Deutsche Bank “China is currently the largest producer of gold at 11.9 million ounces in 2011...”

Not only do they mine a lot of gold, they also keep a tight hold of it once it’s out of the ground. But they’re not content. That’s why they’ve been sniffing around looking to buy more mine capacity overseas. That brings us to Africa…


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Buying miners could be a great business

China has the biggest currency reserves in the world, but their gold holdings are pretty insignificant. According to the World Gold Council (2010 figures), the EU has nearly 16,000 tonnes; the US over 8,000 tonnes, while China has a trifling 1,000 tonnes. China needs to catch up.

They can do that by buying mines. By doing that, they'll also avoid bidding up the price of gold. And that’s a fantastic benefit for China. If they can lock into African gold in the ground at today’s prices, all they need to do is get the stuff out of the ground and they could be building their gold holdings for years to come.

I’ve previously argued that the gold miners are cheap. Today, most of the large miners are trading on earnings multiples in the low teens. I’ve not seen them this cheap before.

So what’s the best way into gold?

I’m often asked this question.

And it’s a tough question to answer. There are loads of things to consider. If you’re in it to diversify your pot away from the financial system, then undoubtedly physical possession of coins or bars can’t be beaten – providing you’ve got somewhere safe to stash it, that is.

Any other holding introduces counter-party risk. It may be that this risk is small – for instance, allocated gold (where your name is registered against physical gold) in theory is just like holding physical. Many exchange-traded funds (ETFs) also claim to hold physical gold – and serious players like hedge fund managers George Soros and John Paulson have recently upped their stakes in popular US gold ETFs.

I hold the popular UK-listed ETSF physical gold (LON:PHAU) . In the words of the provider, “PHAU is backed by physical allocated gold held by HSBC Bank USA (the custodian). Only metal that conforms with the London Bullion Market Association's (LBMA) rules for Good Delivery can be accepted by the custodian. Each physical bar is segregated, individually identified and allocated.”

Gold miners look seriously cheap

In many ways ETFs take much of the hassle out of owning physical gold. But there are other considerations. Considerations like squeezing a return out of gold. Because it’s true, gold pays no interest and no dividend.

But many gold miners do. And to my mind the miners are cheap at the moment. In a rising gold market (which I expect to see again very soon), the miners can rise faster. That’s because they’ve got ‘operational gearing’... so long as their production costs rise by less than the gold price increase, they can produce leveraged returns on the gold price.

But bear in mind, though the miners can do better than the bullion price they can certainly do worse too. I’ve had my fingers burned on the miners over the past year. Though they looked cheap, they got even cheaper.

But recently the tide seems to have turned. I’ve been talking to Simon Popple, who has started writing about gold miners for MoneyWeek. He has some very interesting ideas about exactly what gold miners will profit from the rise in gold. Simon is launching a newsletter very soon. But you can get a taste of what he has in mind in his recent cover story: Gold still looks good – but miners look even better.

No doubt, the aggressive Chinese stance will also helped lift sentiment on the sector. And remember, if the deal goes through to buy African Barrick, it’ll likely mean that its production will now head to China. That means less supply for everyone else.

I’d say things are looking up for gold. And gold miners could be just the ticket.

I’ll keep us tuned into this great story in the weeks ahead.

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  • 1. 4caster

    (22 August 2012, 10:36PM)  Complain about this comment

    This all looks very logical, Bengt.
    But my ISA (Alliance Trust Savings) does not deal in PHAU. Are GBSS and PHGP just as good?

  • 2. Monkeywithapin

    (23 August 2012, 11:03AM)  Complain about this comment

    4caster - you don't want to buy PHAU anyway. It is priced in US dollars so you'd have to pay extra forex costs to your broker to buy/sell it. You should buy the one priced in pounds ie PHGP.

    It surprises me how many commentators (even the great Bengt), don't realise this. They have obviously never bought the ETFs themselves and suffered the problem. All journalists keeps going on about buying dollar ETFs, when pound equivalents exist which have lower net costs.

    Pete

  • 3. Nick Fury

    (23 August 2012, 11:22AM)  Complain about this comment

    I'd always say a bird in the hand is better than 2 in the bush! these ETF's that hold gold rights for customers could be a dangerous thing, let's face it how did banks start in the first place; people deposited money in a bank and the bank lent out their money to others with interest added, pretty soon they realised they could lend out lots of money, as all the depositors wouldn't want their money back at the same time, would they? then they thought why not lend out more than they actually had via promisary notes, well the same goes for ETF's, have they double booked this finite amount of gold? if you think you can trust the financial sector then you have nothing to worry about! See "Gerald Celente Robbed Blind By MF Global. Bankster Crooks Looted Customers Accounts For $900 Million Via Internal Bank Run" he held promisory notes for guaranteed gold delivery/ownership and 'legally' lost the lot. Be warned.

  • 4. Elvis Presley

    (23 August 2012, 11:32AM)  Complain about this comment

    Cluff Gold looks like a sitting duck.

    Blatant ramp. You're a beautiful audience, thank you very much.

  • 5. JREwing

    (23 August 2012, 12:15PM)  Complain about this comment

    Key difference between gold vs gold miners:

    Gold is a reserve currency and a store of value. There were some very comical comments on one of Dominic Frisby's threads pricing UK housing in gold - some wondered why they were priced in gold and not wheat or corn. Simple explanation: no central bank holds wheat or corn as a reserve but all central banks hold gold in reserve and barely four decades ago, the Dollar was gold backed.

    RE: Miners, these are stocks which can (and often do) go to zero. Buying stocks should never be confused with buying gold. When you buy gold, you don't have to look at a company balance sheet and wonder if the management is lying or hiding something. You don't have to worry about whether management did or did not hedge the gold price. Those things are irrelevant. But when you buy a miner, you have to check all of that and worry about the debt load.

  • 6. Boris MacDonut

    (23 August 2012, 04:01PM)  Complain about this comment

    Hmmmm, a 15% fall in a year. But at least the fundamentals are okay. S Africa and China are both happy to simply shoot workers who dare to complain.

  • 7. Bob adams

    (23 August 2012, 04:35PM)  Complain about this comment

    If the Chinese consortium buys African Barrick this is will be a significant undermining of the power and authority of the west. I understand that African Barrick is a leading partner of the Mount Charlotte Gold mine situated on the golden mile in Kalgoorlie Western AUSTRALIA. This mine was once the second largest gold mine in the world and must still be a big mine. It is the mine that supplies the Perth Mint and the Australian nugget will come from this mine. The owners of this mine also can exert a lot of pressure on the state Government of Western Austalia.

  • 8. jarbie

    (23 August 2012, 10:43PM)  Complain about this comment

    Buying physical gold in 1oz bars through Gladstone Gold at a claimed discount - any problems - any comments please gratefully received

  • 9. 4caster

    (24 August 2012, 12:39AM)  Complain about this comment

    Thank you, Monkeywithapin (#2), that's just what I suspected. I've had PHGP for quite a while.I also have Blackrock (Merrill Lynch when I started buying them in 2003) Gold & General, which provides a wide spread of mainly unhedged gold and precious metal mining shares, albeit at an annual charge. This avoids, or at least delegates, the problems mentioned by JREwing.
    NickFury could always buy sovereigns or krugerrands. He could also invest in allocated gold or silver through the Perth Mint Certification Program, and get a numbered bar, stored in a Western Australia government bank vault and insured at Lloyds. I have done that, and sold some too.

  • 10. Pusser

    (24 August 2012, 07:45AM)  Complain about this comment

    Most investors are thinking that precious metals rose because they considered that QE was on the cards. They are wrong. It is because I sold a few K of ETF silver at 28+$ just before the price shot up to 30$the moment I clicked on the SELL Button . You see I have a gift.I can manipulate markets.

    Has anyone the time to tell me is there a calculable percentage to enable me to approximate the difference I am going to buy or the difference I am going to lose 'twixt the spot price on the Bullion Desk and the prices offered, e.g. from T. Waterhouse. Many thanks in advance.

  • 11. Noneleft

    (28 August 2012, 03:40PM)  Complain about this comment

    #2 Monkeywithpin. Not true in my experience- I have held PHAU, and found the dealing costs (with my broker at least) were the same as any UK stock. There were no forex charges. Further, because the PHAU ETF is bigger than all the other ETF Securities gold / PM related ETFs (and there are a fair few of them) it is more liquid and the spreads are smaller. Therefore, PHAU works out to be the cheapest one to trade in. As an extra bonus with PHAU, it is convenient to see it priced in USD anyway since this is what gold itself is quoted in. SGOL is another, which uses vaults in Switzerland.
    Having said all that, I no longer use ETFs, but have switched to closed end funds as I believe they are safer and it is known how much metal they actually hold in the vault (unlike the ETFs which don’t necessarily hold they gold to back the fund).

  • 12. Astronut

    (17 September 2012, 12:37PM)  Complain about this comment

    Has the revelation about Bob Pisani's gold bar done anything to shake your confidence in PHAU? It's knocked mine a bit.

  • 13. Vigilante

    (20 January 2013, 12:12PM)  Complain about this comment

    @ Jarbie:

    "Buying physical gold in 1oz bars through Gladstone Gold at a claimed discount - any problems - any comments please gratefully received"

    The principle director, Daniel Stuttard, only came out of bankruptcy just before creating Gladstone Gold Ltd.

    He has numerous previous companies including Click Local Ltd where he allegedy cheated a lot of customers out of money (it provided websites/SEO etc).

    Links:
    http://www.london-gazette.co.uk/issues/59969/notices/1478187/all=daniel+stuttard;sort=newest

    http://www.complaintsboard.com/complaints/click-local-manchester-england-lancashire-c396435.html

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