Most investors think about how much their money will grow, but only a few ask: How much will I actually have left after taxes? Even fewer realize that certain assets can even affect social benefits—such as the amount of child allowance, maternity benefits, kindergarten fees, and even subsidized school meals.
Gold is unique in this regard. Not only can it be bought without taxes (in most EU countries), but it also does not need to be declared as assets. This means gold does not affect your taxation and social entitlements—unlike shares, funds, real estate, cars, or even cash held in a bank account.
Let’s look at a practical example of what would have happened if, in the year 2000, you had €10,000 and invested it in different types of assets.
And yet: 99% of people still save in money. Less than 1% save in gold.
1. Gold: from €10,000 to €112,000
- In 2000: gold price ~€280/oz.
- With €10,000 you would have bought about 35 ounces.
- August 2025: price ~€3,200/oz.
- Value today: approximately €112,000.
That means the value increased 11-fold.
If you measured gold in apartments: in 2000, for €10,000 you would have gotten a few grams of metal. Today, that same metal would be enough for almost half an apartment in Ljubljana.
The tax aspect in Slovenia
Investment gold is exempt from VAT.
When selling gold, a private individual does not pay capital gains tax.
Gold does not have to be declared as assets → it does not affect child allowance, maternity benefits, kindergarten fees, or scholarships.
Result: €112,000, tax-free, invisible to the state.
Image: Physical gold bars and coins represent durable wealth preservation and protection against inflation.
2. Cash: from €10,000 to €6,000
- In 2000: €10,000 in a bank account.
- Inflation over 25 years: approximately –40%.
- Today’s real purchasing power: ~€6,000.
-
Officially –40%.
In addition, cash in a bank account counts as assets:
- reduced child allowance,
- higher kindergarten fees,
- lower maternity benefits,
- smaller scholarships,
- less subsidized school meals.
Result: money loses value and also reduces your social entitlements.
3. Funds: growth, but taxed and visible
- €10,000 in a global fund = today ~€40,000.
- After taxes net ~€30,000.
Funds must be declared as assets → they affect social entitlements.
Result: €30,000 net, taxed and visible.
- Did you know that you can pay up to 59% more than the market price of gold?
- How can you significantly reduce the price of gold and silver?
- You can get up to + 1/3 more precious metals for your savings!
- Physical investment gold and silver of the highest quality. Good delivery.
BONUS! Extremely tax efficient: you pay absolutely no tax!
Enter your name and email address now to participate for free.
4. Real estate: high growth, high taxes
- €10,000 as a down payment for a studio apartment (€50,000 in 2000).
- Today value ~€200,000.
- Costs: taxes, insurance, maintenance.
- Rent → 25% tax.
- Property → declared assets.
Result: gross value is high, net considerably lower.
5. Car: from €10,000 to €500
- A car from the year 2000 is worth almost nothing today.
- Costs over 25 years: registration, insurance, fuel.
- Car → declared assets.
Result: the value disappears, the costs remain.
6. Why gold is a hidden advantage
To summarize:
- Gold: €10,000 → €112,000 (+1,020%), tax-free, invisible in the system.
- Cash: €10,000 → €6,000 (–40%), taxed and visible.
- Fund: €10,000 → €30,000, taxed and visible.
- Real estate: €10,000 → €200,000, but with taxes, costs, and an impact on social entitlements.
- Car: €10,000 → €500, costs, visible.
Most vividly: €112,000 in gold versus €6,000 in cash. That is 18 times more.
Without work. Without taxes. Without declaration.
7. Practical scenarios
A family with children
- If they hold savings in cash or funds, they must declare them → higher kindergarten fees, lower child allowance, smaller scholarships.
- If they have €100,000 in gold, the state doesn’t even know about it → child allowances and benefits remain.
An entrepreneur
- Savings in cash → the Tax Administration sees it and taxes interest.
- Savings in real estate → annual tax and costs.
- Savings in gold → no taxes, invisible. It can be used as a “personal reserve fund”.
A retiree
- Saving in a bank → minimal interest, purchasing power falls.
- Gold → value preserved, does not affect the amount of pension or benefits.
8. The psychological aspect: why 99% of people still save in money
- Illusion of safety: money in the bank feels “safe”, even though inflation reduces it every day.
- Social pressure: people think gold is for the rich or for “speculators”.
- Lack of knowledge: most people don’t even know that gold is tax-exempt and invisible in the system.
- Short-term thinking: people want immediate liquidity and don’t see the long-term consequences.
Result: most lose purchasing power and social entitlements, while 1% become even richer.
As Jim Rickards says: “Money is a promise. Gold is reality.”
Image: Investment gold versus cash – a clear symbol of inflation protection and long-term wealth preservation.
9. Historical lessons
- The Byzantine solidus: a stable currency for 700 years, regardless of taxes and wars.
- The British gold standard: 100 years of stable prices without inflation.
- India: families hold gold as “invisible” wealth—today Indians collectively own more gold than all the world’s central banks combined.
Conclusion: the rich know this, ordinary people don’t
If in 2000 you had invested €10,000:
- Gold: today €112,000, tax-free, invisible.
- Cash: €6,000, taxed and visible.
- Difference: 18 times more in gold.
The rich understand this—that’s why they save in gold, real estate, and businesses. Ordinary people keep money in the bank and lose.
As an old Indian proverb says: “Money is for taxes. Gold is for the family.”
- How can you buy gold and silver for investment?
- Much cheaper.
- We discover how you can reduce seller commissions.
- Highest quality. 999/1000. Good delivery.
Information worth its weight in gold. Completely free
It is not worth buying a single gram until you have this information.
Enter your name and email address now to participate for free.
May Fortuna be with you—and may your gold be your quiet advantage against inflation, taxes, and the system.
