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Is gold a good investment?

You may have noticed the world feels very turbulent at the moment. From geo-political tensions to rampant inflation, and a cost of living crisis that seems to be getting worse by the day, the world feels far more chaotic than it did only a decade or two ago. And whilst the mainstream media broadcasts every major event in granular detail, what they don’t show you is what governments and central banks do each time a crisis unfolds – print money.

As more money is printed into existence, the purchasing power of the pounds in your bank account depreciates – a process known as currency debasement. Gold, on the other hand, holds its worth, which is why it has been used as a hedge against inflation for thousands of years. 

So, is gold a good investment? Well, during periods of inflation and currency debasement, the answer is an emphatic ‘yes’. And the reality is that we are going through such a period right now.

How did we get here?

The rampant inflation we are experiencing didn’t happen overnight. Its roots can be traced back to the 2008 global financial crisis, caused by US banks offering vast numbers of mortgages to people who couldn’t afford them. When those people began to default, it triggered a global banking meltdown that spread rapidly through the interconnected financial system.

The solution by governments and central banks around the world was to print new money out of thin air. This short term fix meant the global money supply increased dramatically.

Then came the Covid-19 pandemic, which triggered another wave of unprecedented money printing. To keep economies functioning during lockdowns, governments and central banks flooded the system with even more money.

If that wasn’t bad enough, the recent conflicts and wars have pushed governments to – you guessed it – print more money. Not only that, but these wars have caused supply chain shocks which have driven up the prices of food and energy.

And to put the cherry on top successive governments in the UK have engaged in reckless, short-term spending which has accentuated the problem for the British public. The pound has lost purchasing power and the cost of living crisis has become impossible to ignore.

This is the environment we find ourselves in, and it is precisely the kind of environment where gold shines.

Why gold matters more than ever

Historically, gold has always been used as the ultimate store of value. People have trusted it for thousands of years to preserve their wealth through wars, recessions, and policy failures. Unlike pounds or other fiat currencies, gold can’t be printed or debased by governments and central banks. It exists outside the influence of the financial system, and that’s exactly what makes it so powerful.

At a time when fiat currencies are being systematically debased, gold serves as a financial anchor. It is not a get rich quick scheme. Its function is to preserve your wealth over the long term. And with governments still printing, spending, and borrowing at record levels, this trend looks far from over. 

That’s why so many financial experts and think tanks expect gold’s price to continue to grow in the long term.

Gold’s new powers – spendability

Until now, gold has always been an illiquid asset, meaning you can’t buy things with it as you can with regular money.

TallyMoney changes that.

TallyMoney lets you own gold that you can actually spend. A TallyMoney account comes with a debit Mastercard® that lets you spend your gold just like pounds, whenever you want, worldwide. 

When you deposit pounds into your Tally account, they are instantly converted into real, physical gold at the current spot market price, and when you spend, your tally converts back to the local currency at the market rate. No hidden fees, no exchange rate mark-ups, and no need to sell your gold first.

This new level of utility for gold is why we’re seeing more and more Brits join TallyMoney, not just to buy gold as a hedge against inflation, but to use as actual money.

With TallyMoney, you can have your gold and spend it.

So, is gold a good investment?

This period of inflation and currency debasement looks set to continue long term, and gold has always been a great investment during times like this. And as more and more people realise gold is as spendable as money, getting a TallyMoney account might just be the smartest financial move you make for you and your family’s future.

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Real World Examples

  1. Fancy a coffee? Use your TallyMoney Mastercard. Boom – paid. (Yes, you’re buying a flat white with gold. How amazing is that?)

  2. Need cash? Use any Mastercard ATM worldwide or spend across the globe. ZERO fees from us, ZERO markup. (When you spend or withdraw, your gold converts instantly at the global spot price. No catches, no hidden charges – just straight-up Mastercard exchange rates. Because your money shouldn’t cost you… more money.)

  3. Want some money back in your bank? Just tap ‘transfer’ in the app. (Though after a while, you might wonder why you’d want to…)

    Zero faff. Zero waiting. Zero fees when you spend tally.

Meet Cameron Parry

Meet the guy who wouldn’t accept being trapped in a ‘heads they win, tales we lose’ government-run monetary system that protects and benefits the financial institutions, to the detriment of the public. Where people’s deposits are constantly at risk, and losing value through inflation caused by central bankers and politicians.

If necessity is the mother of invention, then frustration may be the roommate’s cousin of motivation. In any case, he decided to stop getting mad and start a new monetary system with sound money. Where deposits serve the depositor, where savings build wealth for savers, and transactions are made in a familiar way. And he called it TallyMoney.

TallyMoney: Gold upgraded

With TallyMoney:

  • Your pounds instantly become physical gold (1 tally = 1mg of real gold)
    Stored in Swiss vaults (not under your bed)
  • Fully insured and allocated (actually yours, not a paper promise)
  • Spend it anywhere with your TallyMoney debit Mastercard
  • Transfer back to pounds instantly if needed (but why would you?)

We’re not anti-bank because it’s trendy. We’re anti-bank because the current system is rigged against you. Every day you leave money in a “savings” account, you’re funding their profits while your wealth evaporates.

Enter gold: the original currency

Why gold? It’s value is universally acknowledged.

  • It’s not controlled by any single government
  • It can’t be printed or manufactured
  • It’s actually scarce 
  • It requires effort to extract it 
  • It doesn’t rust, decay, or disappear
  • It has remarkable properties

So while the pound’s lost 50% of its value since 2004, gold’s grown by 146% in the last decade alone. While your bank savings got mugged by inflation, gold owners were laughing all the way to… well, not the bank.

But here’s the rub: Traditional gold ownership is a right pain. Buy physical bars? Prepare for storage fees that’ll make your eyes water, insurance premiums that never end, and a 5-10% haircut when you need to sell. Plus, try buying your weekly shop with a gold ingot.
Paper gold ETFs? They’re classed as Tier 3 assets for a reason – that’s financial speak for “risky as hell.” You don’t own gold, you own a promise. A tradeable IOU. And when everyone wants their gold at once? Good luck with that. So you’re stuffed either way: real gold that’s impossible to use, or fake gold that might not be there when you need it.
Until now.

The truth about inflation

How? Well, when politicians overspend (and they invariably do), they need more money to ‘stimulate the economy’. But raising taxes makes voters angry. So what do they do? They fire up the money printer, and boy do they love to print. To give you a sense of the scale, since 2015 the Bank of England has created £520bn out of thin air through “quantitative easing” (electronic money printing) plus £86bn in physical currency. 

Thing is, more pounds in circulation = each pound is worth less. Think about it: In 2004, £100 could buy you a decent night out, theatre tickets, and a cab home. Today? That same £100 barely covers the theatre tickets. Your money didn’t disappear – it was diluted, like someone’s been topping up your whisky with water when you weren’t looking.

The “2% inflation target” they bang on about? That’s them telling you they plan to steal 2% of your wealth every single year. And calling it healthy.

How TallyMoney actually works?

  1. First things first: we’ve got actual gold bullion* (none of that paper-promise nonsense) locked up tight in a Brinks vault in Switzerland. Yeah, those Brinks – the security legends who’ve been protecting valuables since Queen Victoria was on the throne.

  2. You send your pounds to your TallyMoney account (bye-bye, inflation-addicted fiat!).

  3. We use the global gold spot price to instantly turn your currency into its weight in gold. No hidden or fuzzy exchange rates, just the real market gold price + 1.49% gold purchase fee.

  4. Each milligram of your physical gold = 1 tally (we keep it decimal because no one wants to faff about with troy ounces – the specific unit for measuring gold).

  5. That’s it! Your app shows your balance in tally, but remember – those aren’t just numbers on a screen. That’s your solid gold, in milligrams, sitting pretty in Switzerland.
  6. You can now save and spend your gold as you see fit.

*All Tally gold is sourced from LBMA-accredited providers because we’re rebels with a cause… and standards. Instead of tracking the gold price per kg, your money is directly converted based on the real-time global gold spot price.

TallyMoney is 
real money

  1. Store of value
    Your gold sits in a Swiss vault (not getting ‘quantitatively eased’ away)
    Evidenced by 5,000 years of holding its value
    Can’t be inflated by government whim and fingers on the ‘currency print’ button
  2. Medium of exchange
    Spendable at 150+ million shops worldwide (thanks, Mastercard)
    Currency converts instantly at market rates (no sneaky margins)
    Moves as quickly as sending a text 
  3. Unit of account
    1 tally = 1mg of gold. Simple
    Stable enough to actually plan your future with
    Speaks every currency’s language (gold’s kind of a big deal everywhere)

This is why TallyMoney is so much more than just owning Gold – it’s a real financial revolution. We’re not just helping you own gold; we’re bringing back what money was always meant to be. Sound Money for a Brighter Future. Because your hard work and wealth deserve better than being slowly robbed by external forces.

We want you to have real money

  1. A store of value:
    Keeps its value over time
    Insulated from devaluation/inflation
    Actually rare and can’t be created out of thin air
  2. Medium of exchange:
    Easy to use for everyday transactions
    Widely accepted
    Can be transferred efficiently
  3. Unit of account:
    Works like a proper value-measuring stick (imagine if your ruler shrunk every year – mad, right?)
    Splits nicely into useful bits
    Reliable enough to plan your future with

Why does this matter? Because your hard work deserves better than being turned into monopoly money by someone else’s actions. Every time your currency loses value (inflation) its stealing from your past work, which harms your present savings, and your future dreams.