1983 was an important year for British coinage. It was the year in which the British pound coin was minted and put into circulation to replace the Bank of England’s one pound note. The pound note saw its last issue at the end of 1984. The note continued to be in circulation until 11th of March 1988. On that date, it was removed from circulation.
Like all other UK banknotes, the pound note remained redeemable at the bank. But, for all official purposes, the pound note had been terminated and replaced with the British pound coin. Interestingly, the Royal Bank of Scotland continued the issue of pound notes. Similarly, the Channel Islands continued to use them as well. But the pound coin gained popularity and eventually became the more widely used form of currency. In this article, we will overview the history of the British pound coin.
1983 one pound coin with the Queen wearing a tiara
The purpose of issuing a pound coin
The main reason for the withdrawal of the 1 pound note was its longevity. The British one pound banknote survived in circulation for approximately 9 months only. The Royal Mint found out that after repeated usage, the pound notes would often end up being damaged, or defaced. A pound coin, on the other hand, could remain in circulation for 40 years or more. Therefore, on 31 July 1981, the government announced its intention to replace the one pound note with the one pound coin.
The design of the pound coin
The obverse of the pound coin bears a Latin inscription engraved on it. This inscription reads ‘Elizabeth II D G REG’. The abbreviation stands for the words “Dei Gratia Regina”. The entire inscription, when translated into English means “Elizabeth II, by the Grace of God, Queen and Defender of the Faith”. Since the original release of the pound coin on 21 April 1983, four portraits of the Queen, each different from the other, have been used. The year of the mintage was also engraved alongside the Latin inscription.
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The first series of coins released in 1983 used a portrait of Queen Elizabeth the second, which had been created by designer Arnold Machin. This portrait appears on the obverse of the coin and features the Queen wearing a tiara. By 1985, a new portrait of the Queen was used, and it was created by Raphael Maklouf. In this portrait, the Queen is featured wearing the George IV State Diadem. This version of the pound coin was issued till 1997.
A one-pound banknote from Cyprus – 1955
The changing face of the pound coin
From 1998 to 2015, the design of the pound coin was changed yet again. This time, a new portrait created by Ian Rank-Broadley was used. Once again, the Queen’s portrait depicted her wearing a tiara. A makeover of the pound coin took place again in 2015. This time, well-known designer Jody Clark was commissioned to create the design. Her portrait of the Queen was introduced on the pound coin in 2015 and depicts the monarch wearing the George IV State Diadem.
The reverse of the pound coin had its design changed every year since 1983. This was done to ensure the complete representation of England, Scotland, Wales and Northern Ireland, as parts of the UK. Each year, the one pound coin would have a different emblem which represents each geographic area along with an inscription on the edge. The words, “one pound” can be found on the reverse of all these coins.
The new pound coin 2017
The new one pound coin has a 12 sided, bimetallic structure. This coin was released on 28 March 2017. A design competition was organised with participation from members of the public. This competition was unveiled in 2014 and the results, which were declared in March 2015 named a 15-year-old boy called David Pearce as the winner. The new design featured a rose, thistle, leek and a shamrock, ensconced by a crown.
The 12-sided one pound coin was introduced in 2017
Counterfeit coins
Unknown to many, as the round one pound coin gained popularity, counterfeiters took to duplicating this coin. By 2013, there was an estimated 3.04% of counterfeit coins in circulation. The geographical areas that had the maximum number of counterfeit coins were Northern Ireland, the South-East of England and the City of London. Coin testing companies were commissioned by the Royal Mint to study the problem. The coin testing professionals found out that the actual number was approximately twice that estimated by the Royal Mint.
Many times banks did not check the coins they are receiving. As a result, many banks were also inundated with counterfeit currency. The experts detected that many counterfeit coins had poor quality, along with marked visual differences in design. Of course, there were more sophisticated counterfeiters, that would require a specialised machine to detect.
The end of the round pound
The last batch of the British round one pound coins was minted in December 2015. The 12 edge coin that has replaced it is a bi-metallic coin whose design makes it harder to duplicate. The coin also has a concealed security feature, which is a code that becomes visible under a certain wavelength of ultraviolet light. There were a few other round pound coins in circulation as well, although these were never legal tender in the UK.
These coins were minted by the British Crown dependencies and Gibraltar, amongst others. They were identical to the one pound coin circulated in the UK and carried the same portraits of the British monarch. Some of these coins have remained in circulation, as these territories have not stopped the mintage of the coins or changed it.
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Physical Gold is one of the most reputed precious metal dealers in the UK. We also deal in precious coins and if you want to get an evaluation done, or wish to purchase specific coins of value, please call us on (020) 7060 9992. You can also contact us via email and a member of our customer service team will be happy to call you back.
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The American Eagle Coin
County: USA
Face Value: $50 USD
Gold Content: 1 ounce (31.104g) – Alloyed with Silver (3%) and Copper (5.33%)
Purity: 917 / 1000 (22 karat)
Gross Weight: 34.0500g
Coin Diameter: 32.7mm
First Year of issue: 1986
The American Eagle coin is a legal tender gold bullion coin of the United States and is an easy, convenient and affordable way to add to your gold portfolio. Authorised under the Gold Bullion Coin Act of 1985 the Eagle was first issued one year later with a face value of $50 USD. The American Eagle coin is the only gold coin whose quality and purity are guaranteed by the U.S. government. The US law dictates that the gold contained within the coin must come from sources in America.
Offered in 1/10 oz., 1/4 oz., 1/2 oz., and 1 oz. denominations, these coins are guaranteed by the U.S. government to contain the stated amount of actual gold weight in troy ounces. By law, the gold must come from sources in America, alloyed with silver and copper to produce a more wear-resistant coin.
The design of these coins is exactly the same as the one-ounce coins, except for the weight and value markings on the reverse. The series issued between 1986 to 1991 of the Gold Eagle has dates written with Roman numerals. However, this practice changed from 1992 onwards, and Arabic numbers were used to date Gold Eagles.
While these coins are generally accepted as legal tender by the US government, the intrinsic values of these coins are much greater than their face values. For example, the 2012 value of a $50 face value coin was as high as $1,835. Of course, these prices are heavily influenced by both market demand for the coins as well as the spot prices of gold.
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Silver American Eagles
It is important to note that the American Eagle coin is also available in silver. The silver versions of these coins are produced by three mints – Philadelphia, San Francisco, and West Point. Featuring designs on its front and back by Adolph A. Weinman and John Mercanti respectively, the silver eagle remains a popular choice for coin buyers across the world. The first Silver Eagle was created in San Francisco in 1986 and rose to popularity ever since.
In order to commemorate the 25th anniversary of the Silver Eagle, the US Mint circulated a lacquered presentation set that contained five coins, one proof coin, and one uncirculated coin from West Point, along with many other valuable Silver Eagles from different locations across the US, where they were struck.
In a recent development, the US Mint has announced that the American Eagle would now be available in palladium. This is the fourth metal that the American eagle would be available in, the earlier three being gold, silver, and platinum. It would be the first-ever palladium coin to be issued on US soil. The coin has attracted global interest and has already notched premiums, well in excess of its face value.
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Gold and silver American Eagle coins are a popular choice for investors and buyers across the world. These prestigious coins make an excellent addition to an investment portfolio. In fact, the silver American Eagle can be added to a person’s IRR account (individual retirement Account) as an investment allowed by US law.
The obverse side of the coin features a rendition of Augustus Saint-Gaudens Lady Liberty with flowing hair, holding a torch in one hand and an olive branch in the other. The reverse of the coin features a design by sculptor Miley Busiek of a male eagle carrying an olive branch to his family. The motto, “In God We Trust”, appears to the right of, and beneath, the eagle’s wing. This motto has been featured on all U.S. gold coins since 1908.
It is often said that investors tend to invest in bullion coins, so that they may maximise the value of gold for the price they pay. Likewise, collectors buy proof versions of coins. In this article, we will explore what is a proof coin and why they are highly valued amongst collectors.
What is a proof coin?
A publisher would like to study the edited, proofed, and ready to go to the print version of an author’s work before mass copies are printed. In the same way, a proof coin or a set of coins is produced initially to secure approvals from important authorities like the Ministry of finance, the Chancellor of the Exchequer and the Directors of the Mint. Apart from procuring these important approvals, a proof coin can be used to check the accuracy of the dies used in minting the coins.
Silver proof coins
The dies are specially polished to produce the proof coin set. It is quite different from a mass-produced bullion coin. A proof coin has an extremely high-quality finish and a polished shine. The edges are sharp, and the design stands out magnificently. The manufacturing dies are often chemically treated to create a frosty finish in certain areas on the face of the coin.
When the coin is presented in its case, there is a mirror-like appearance, which is appealing to most coin lockers. Historically, they were usually archived after approvals had been procured and the coin issued to the general public. However, the Royal Mint today releases limited editions of proof coin sets that can be purchased by collectors. Commemorative issues are also interesting to the general public, who would pay a premium to procure these coins.
Why are collectors buying proof coins?
First of all, many collectors are well aware of what is a proof coin. The mintage of these sets is limited and attractive to collectors, simply because their rarity, may go up in the years to come. The aesthetic look and feel of a proof coin, with its high-quality finish and attractiveness make it desirable to collectors. Needless to say, these coins are sold with hefty premiums.
A set of 1887 Queen Victoria proof coins
Proof coins as an investment
Bullion coins have always appealed to investors as a better bet. Bullion coins come with an uncirculated finish that does not have the finesse of a proof coin. However, these coins offer the investor an opportunity to acquire gold or silver at a cheaper price per gram than paying huge premiums for a proof coin.
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An important problem also crops up at the time of sale. Dealers are unprepared to repay the premiums paid on these coins. The coins are therefore valued for their gold content, and the premium originally paid for the proof version of the coin is lost. Due to these factors, a proof coin is best acquired as a collectable or given to someone as a present.
It is also important to note that many dealers will offer good discounts when you place an order for a large number of bullion coins. These deals do not apply to proof coins. The premium paid is largely due to the finishing, detail, production costs and limited mintage. So, if you are building a gold portfolio, it is far better to invest in the gold Britannia or the Sovereign, both of which are bullion coins with abundant availability, available at low premiums.
Find out more from Physical Gold
Our precious metal experts at Physical Gold have a great deal of knowledge that you can benefit from. We are one of the country’s largest and most reputed online dealers. We can leverage our expertise and assist you in getting the best deals for gold and silver coins. Please call us on (020) 7060 9992 for a chat. You can also reach out to us via our website.
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The Maple leaf gold coin
Country: Canada
Face Value: $50 CAD (when first issued)
Gold Content: 1 ounce (31.10g)
Purity: 1979–1982 = 99.9% (24 karat), 1983–Present =99.99%
Gross Weight: 31.103g
Coin Diameter: 30.00mm
First year of issue: 1979
The Canadian Maple Leaf gold coin was first issued as the official bullion coin of Canada in 1979. This coin is 24 karat gold with an original face value $50 CAD, however, it’s market value fluctuates considerably depending on the spot price of gold and current global demand for bullion coins. It is produced annually by the Royal Canadian Mint and is available in both bullion and proof versions.
The Royal Canadian Mint promote this coin as the international symbol of purity. They were the first mint to produce a 24 karat bullion coins and it is one of the purest gold coins of regular issue in the world. Since then, the Maple Leaf gold coin has become the standard of quality against which all other bullion coins are measured.
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At the time Maple leaf coins were first introduced, the only other bullion coin available was the Krugerrand. Due to the apartheid regime in South Africa at the time, however, the Krugerrand was not widely available to the majority of people as many countries boycotted South African imports. This meant that Canadian maple leaf coins became one of the first bullion coins to be available exclusively for investment purposes. To this day the Maple Leaf is still one of the most popular bullion coins, sought after by collectors and investors all over the world.
Between the years of 1979–1982 this coin was issued with 99.9% purity but from 1983–present this has risen to 99.99%, virtually no alloy at all. In fact, Canadian maple leaf coins were the first bullion coin in the world to be produced with a standard of .999 purity, just one of the reasons why they are globally recognised as a safe and reliable investment opportunity. They are produced to an extremely high standard by the renowned mint so offer a beautiful choice at reasonable prices for those with an eye for splendour.
Canadian 1oz Maple Leaf Coin
Features of the Maple Leaf coin
The design of the Maple leaf coin has not changed since the creation of the first gold Maple leaf in 1979. The obverse of the maple leaf gold coin displays a profile portrait of Queen Elizabeth II, with the value and the year of issue. Since 2005 the portrait has been updated to depict Susanna Blunt’s famous portrayal of her Majesty at the age of 79. The reverse displays the Canadian national emblem, the Maple Leaf. As this symbol is also featured on the national flag this coin is distinguished and recognisable worldwide.
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The Maple Leaf is also available in different sizes and denominations. Aside from the standard 1oz coin, these include ½ oz coins, ¼ oz coins, 1/10 oz coins, 1/20 and 1/25th oz coins. There is also now a 1-gram Maple Leaf coin available.
Due to the Canadian Maple Leaf Coin’s
growing popularity, additional security features have recently been added, making it one of the securest forms of gold investments around. In 2013, a laser engraved maple leaf with a microscopic numeral displaying the coin’s year of issue was added to the reverse of the coin. In 2015, radial lines were also added to the background on both sides of the coin.
Demand for Maple Leaf coins
Maple leaf coins are held in high regard with collectors all over the world. As one of the very first bullion coins to be widely available, the Maple leaf has an established reputation among bullion investors and many of them appreciate its guaranteed high level of purity and heightened security detail. The Royal Canadian Mint is also world-famous and highly respected amongst numismatics. The mint strikes more than 1 billion coins annually. In addition to its popular Canadian Maple Leaf series of gold, silver, and platinum bullion coins, the mint also strikes currency for as many as a dozen other countries.
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The Krugerrand
County: South Africa
Face Value: 10 Rands
Gold Content: 1 ounce (31.104g) – Alloyed with copper
Purity: 917/1000 (22 karat)
Gross Weight: 33.9305
Coin Diameter: 32.70mm
First Year of issue: 1967
The Krugerrand is the 22-karat bullion coin of South Africa. It was the first gold coin produced to contain precisely one ounce of fine gold, and provided a vehicle for the private ownership and trade of gold. By 1980 the coin accounted for 90% of the gold coin market. The success of the Krugerrand led to many other gold-producing nations minting their own bullion coins.
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With over 54 million Krugerrands in circulation it is believed to be the most widely owned gold bullion coin in the world. The sheer number of coins on the market coupled with the coin’s global recognition, mean it is one of the least expensive coins to buy. The intention for the Krugerrand was for it to be circulated as currency, for this reason the coin was minted in 22 karat gold, with copper as a strengthening alloy. Its durability is one of it’s main selling points now. With one of the most active secondary markets of any gold coin, the vast majority of Krugerrands we see of 30-40 years of age are still in fantastic condition.
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Due to the huge number in circulation coupled with it’s global recognition, the coins provide unparalleled liquidity. As an investment into a physical asset this is very important. Just like when buying and selling a house, it is not only the price you manage to purchase the property at, but also the sale price which will determine your profit. If you buy a house at a great price but it’s on a main road and appeals only to a very niche market, then it is more difficult to sell and the eventual sale price will inevitably be affected. The same goes for gold. Buy Krugerrands and you’ll be able to sell the coins at any time, maximising your chances of securing a good price.
Despite the coin’s legal tender status, the coin was illegal to import in many Western countries during the 1970s and 1980s due to economic sanctions against South Africa for its policy of apartheid. In 1994 these sanctions ceased when South Africa dropped this policy.
The coin is so named because the obverse features the profile of statesman Paul Kruger, four-term president of the old South African Republic. The reverse displays one of the national symbols of South Africa the springbok which is the African name for an antelope.
Gold Krugerrand
At Physical Gold we specialise in the Gold Krugerrand because of its durability and wide circulation – making it popular all over the world. Since its introduction in 1967 and following the abolishment of the apartheid policy in 1994, the coins have become popular all over the world and remain the most popular and widespread bullion coin available.
Krugerrand Coins
There have been more than 50 million of the coins minted since its first minting in the sixties – more than all other bullion coins combined. It is one of the most well known gold products in the world, thanks to its liquidity and status it brings to the owner.
Before the introduction of the coin, gold was only available in bars, making it too expensive for some. As the Krugerrand has legal tender status, the UK is allowed to import it without paying import taxes, duties and VAT – making the Krugerrand cheaper to buy.
Sell Krugerrand
Because of their wide circulation, the liquidity is better than any other gold coin. This makes it much easier to sell the coins whenever you want to cash in on your investment and still receive a good price for it.
In terms of gold investment, the process to buy and sell Krugerrand is one of the easiest routes of investing in the precious metal and ensures you’ll have the best chance of getting the most for your money. In terms of gold bullion coins, the Krugerrand is at the top of its game.
What is a Gold Britannia worth?
The value of a gold Britannia coin is based on the underlying spot price on the market, combined with the supply and demand for the particular coin. Generally, the 1oz gold coin will fetch around 96-98% of the current spot gold price. Gold Britannia coins have only been around since 1987, but certain years of issue are harder to source than others, so their value is higher than the current year of issue, sometimes by up to 5%
The spot price isn’t the only thing that affects the value of a Britannia
There are other factors that can affect the value of the Britannia. It is a larger coin and provides investors with more gold content at its price. This is simply due to the fact that larger gold coins enjoy lower production costs. When we calculate the cost of production against its price, we can see that the Britannia is available at a lower price per gram than smaller coins such as Sovereigns.
Easy availability and low premiums
A good thing about investing in the gold Britannia is that the coin does not command any kind of historical or numismatic premium. Apart from a few difficult to acquire years, most Britannia coins are easily available. You can also avail of bulk discounts if you order larger numbers. This enables you to acquire a larger amount of gold for your money, making it a lucrative investment.
Market supply and demand
During periods of intense economic, political or social turmoil, demand for gold tends to soar. We’ve experienced this repeatedly over the years as the economy goes through it’s various cycles. In particular, demand for gold investment coins such as the Britannia has been at all time highs during the recent Covid pandemic. While these ‘black swan events’ occur, it’s common for demand to out-strip supply significantly. The Royal Mint struggle to increase production sufficiently due to capacity restrictions.
In these circumstances it’s common that the value of Britannias increases sharply. Not only does the underlying gold spot price increase rapidly due to the increased demand in the gold market. But also, premiums rise to reflect the dynamic. Sellers benefit from obtaining higher premiums (near or even above the spot price), but buyers are forced to pay 2-5% extra.
A highly tax-efficient investment
Most investors simply focus on the price and ignore other key factors like the impact of taxes. Of course, all investment-grade gold is VAT free in the UK and the gold Britannia benefits from this tax-exempt status. Additionally, there is the double advantage of Capital Gains Tax (CGT) exemption, as the Britannia is a UK legal tender coin.
The iconic image of Britannia is shared by the gold and the silver version, pictured here
Currency conversions also affect the price
As you may be aware, the spot price of gold in the international markets is always quoted in US dollars. So, when you buy or sell the Britannia in the UK, this price needs to be converted to Sterling. You will need to divide the price in US dollars per ounce by 31.103. After that, you’ll need to look up the current exchange rate between the US dollar and the GBP. Once you apply the exchange rates, the current price of the coin can be derived. Now, we often see several websites in the UK quoting the per ounce price in GBP. But, you need to be aware that these websites have already done the conversions. So, we can see that it’s not just the movement of the spot price that has an impact on the value of a gold Britannia. Currency price fluctuations will always impact the final price of a gold coin.
Premiums need to be factored in as well
Now that we’ve explored the impact of spot prices and global currencies on the buying and selling price of a gold Britannia, let’s take a quick look at premiums. All gold investments need to be made at a premium, charged above or below the spot price. Premiums are charged to compensate for design, delivery and production costs. So, it’s important to factor this as well when calculating the price of a gold Britannia coin.
A winner on all counts
Ultimately, it’s a great coin to invest in. Once the price has been calculated, it’s important to remember that the gold Britannia enjoys a vibrant secondary market, providing liquidity to your investments. All these factors make the gold Britannia a truly versatile coin.
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What are fractional gold coins?
The term fractional gold refers to coins that have less than one troy ounce of gold in them. Most numismatists will tell you that coin releases undertaken by large mints around the world include sizes that have less than one troy ounce of gold. The one exception may be the world-renowned Sovereign coin which weighs approximately a quarter of an ounce. Being a ‘full’ Sovereign, it tends not to be referred to as fractional.
When we think about it, it seems like an awfully small amount of gold. So, why should anyone want to invest in fractional gold? Are there any advantages or disadvantages? Why is fractional gold considered to be a hot investment category?
In this article, we will discuss the pros and cons related to buying fractional gold.
What type of fractional gold coins are available?
Most major precious metals mints will produce fractional versions of their flagship one ounce gold coin. Examples of well-known fractional coins from around the world are Krugerrands, Maple Leaf coins, Philharmonics, Eagles and Nuggets. Alongside the 1oz gold coin, there will usually be versions made in half ounce, quarter ounce and tenth ounce weights. Some mints even produce tiny 1/20 oz fractional gold coin. Usually, mintage volumes of fractional coins are far lower than the original 1oz version.
For UK investors seeking to be tax efficient and buy UK coins, there are a number of fractional UK gold coins available.
- Gold Britannia 1/2oz, 1/4oz, 1/10oz
- Gold Half Sovereign, Gold Quarter Sovereign
- Gold Queen’s Beasts 1/4oz
- Gold Tudor Beasts 1/4oz
- Gold Lunar 1/4oz, 1/10oz (limited)
Pros of investing in fractional gold
Its worth considering buying fractional gold coins for several reasons. With gold’s popularity with retail investors growing each year, demand for smaller fractional coins is also increasing. Their many benefits appeal to smaller investors and collectors and mints have responded by producing more fractional coin varieties.
Price
Well, the simplest factor that comes to mind is, of course, the price of the gold. Needless to say, larger and heavier coins are way more expensive. If you’re a numismatist or a hobbyist, you may not want to commit very large sums of money while spending on building your collection. Fractional gold coins allow you to build a collection without breaking the bank.
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Ideal and affordable gifts
Buying gold for a loved one as a gift is becoming more popular as it’s a thoughtful gift which is aesthetically appealing and interesting. With one-ounce gold coins costing upwards of £1,600, these coins can prove too expensive for most gift buyers. The fractional gold coin versions offer the ideal affordable gift option for birthdays, Christmas and special events.
Building your own collection
Building your collection from scratch can be an absorbing experience. So, that’s all the more reason why you need to get more bang for the buck. Investing in fractional gold coins will mean that you’re buying your bullion in smaller sizes and can, therefore, acquire more for the same price. If you keep at it, over and over the years, your collection will grow and you could have a formidable gold coin collection.
Fractional coins have less than an ounce of gold
Trading in your gold coins
Many collectors frequently sell a few gold coins for a bit of liquidity and cash flow. Fractional gold coins are ideal for this purpose, as it is possible to trade in them without selling off the more expensive coins from your collection. This is why some collectors like to invest in fractional gold coins.
Easy liquidity
Numismatists all over the world are constantly on the lookout for trading opportunities that can help them acquire better coins for their collections. In terms of liquidity, fractional gold coins are great as they offer good bartering opportunities, which is not always possible with gold coins that contain a higher amount of gold, with a larger value.
Cashing in on the higher demand for gold
As the price of gold rises, the value of your fractional gold coins is also likely to increase. As discussed earlier, fractional gold coins are typically cheaper to buy and so, investors looking to make quick returns from the price of gold would buy these coins when the price of gold falls. Later on, as the price rises, they can cash in these coins and get quick returns.
Many investors like to trade in fractional coins due to its price advantage
Hedging against the risk of economic uncertainty
Gold investors are always looking to hedge their risks in the event of a global economic crash. However, liquidity is also an important factor. In the event of a global economic meltdown, most investors would move to gold and the price of gold would rise swiftly, as it did in 2011. At a time like this, if an investor wants to free up some of their capital, fractional coins are ideal as they can be sold to raise funds for smaller purchases. Selling a large amount of gold is not always ideal as the investor may not want to liquidate large amounts of gold, when not required.
Disadvantages of investing in fractional gold coins
Although it might seem that
investing in fractional gold coins is a smart idea for investors, these investments also carry certain risks.
Higher mark-up price
As mints produce large amounts of gold coins, their setup cost for manufacturing these are typically more expensive when it comes to producing gold coins that contain less than an ounce of gold. Usually, 1-ounce gold coins are available at the best price. Therefore, fractional gold coins would always have a higher mark-up price when compared to other gold coins produced by the same mint.
Premium prices
Mints often charge mark-up’s that range between 9 to 15% on fractional gold coins. Many investors see this as an undesirable factor, as the mark-up is not recoverable when trading in the coins.
Talk to our gold experts before you buy fractional gold coins
At Physical Gold, our gold experts have many years of experience in being able to advise investors on products that are ideal for building a gold portfolio, while maximising the opportunity to invest at the best possible capital layout. Call us now on 020 7060 9992 or get in touch with us online to speak with a member of our team. We would always be happy to discuss your investment plans with you and advise you on the best products that suit your investment goals, no matter how small your requirement.