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5 Reasons Why The Krugerrand Is The Perfect Investment For You

Here are five reasons why the Krugerrand is the perfect investment for a business owner.




As a business owner, you know that managing cash flow is a fine balancing act. On the one hand, you want to invest your money in a way that shows returns, but on the other hand, you need liquid capital to pay salaries and settle your rent on a monthly basis.

According to a study done by CB Insights, running out of cash is the second most common reason for new businesses failing. No matter what stage of maturity your business is in, be it a start-up or the business your grandfather started, cash flow is a common concern.

In your business, you experience cash flow highs, along with cash flow lows – but how do you manage to build an investment portfolio which can grow in value, but can also be turned to capital on a dime? The answer is by investing in Krugerrands.

Krugerrands can offer a business owner the benefits of an appreciating asset over time, with the near liquidity of cash in the bank, making this investment option very attractive to a business owner who needs to navigate his options on a daily basis.

Related: How to Protect your Personal Finances from Business Risks

Here are five reasons why the Krugerrand is the perfect investment for a business owner:

1. Krugerrands are an easy way of trading in Gold

Krugerrands were originally minted to make investing in Gold a reality for the man in the street. The purpose of the coin is to be traded without hassle by any level of investor, from the first time through to the experienced buyer and seller.

Trading in Krugerrands is a simple way of kick starting or growing, your investment portfolio. Where many investment options require a great deal of knowledge, skill and time – the lack of which could run inexperienced investors into trouble – buying Krugerrands is a very easy and cost-effective way to invest in Gold.

2. Gold can be an ideal Rand hedge

A Krugerrand is simply Gold bullion minted in the form of a one-ounce coin (or smaller denominations thereof). When you are trading in Krugerrands you are trading in Gold, which historically has been one of the best-performing and most stable precious metals in the world – and in South Africa’s current economic climate, stability is key.

Krugerrands can be an ideal hedge in a portfolio, because while the Rand depreciates, a pattern we’ve seen over years, Gold remains an internationally traded commodity which is quoted in US Dollars and as such is not affected by the instability of the Rand.

Krugerrands, therefore, ring-fence the value of the portfolio and reduce the risk of adverse price movements due to the Rand depreciating.

The impact of this relationship between the Gold price and the depreciation of the Rand can be clearly seen in the graphs below which display the price of Gold in US Dollars next to the price of Gold in SA Rands over the last 5 years. Looking at the devaluation of the Rand we see how Krugerrands have been a solid investment over the last 5 years.



Related: Separate Personal Finance from your Business

3. You can trade in increments

The Krugerrand can be bought and sold in increments of an ounce, including one-half, one-quarter and one-tenth of an ounce.

This makes investing in Gold more affordable for a business owner whose investment capital value is fluid from one day to the next. The price of the trade is calculated according to the price of Gold on that specific day. For daily updates on Krugerrand pricing, please visit Mr. Kruger’s pricing page.

4. Krugerrands can be quickly and easily converted into cash

Krugerrands are the easiest way of dealing in Gold bullion. The coins can be traded in at any registered numismatic dealer. Make sure that your supplier is approved by the South African Mint or is a member of the South African Association of Numismatic Dealers.

When shopping for a reputable gold bullion specialist, consider a business that both buys and sells Krugerrands, and offers safe storage all at a fair price.

Related: Managing Personal Finances

5. Krugerrands are internationally the most recognisable and widely traded Gold coins in the World.

Krugerrands are one of the oldest Gold bullion coins in the world; a feather in the cap of South Africa’s Gold industry and the South African Mint. The first Krugerrand was minted in 1967 as a vehicle for the private ownership of Gold.

By 1980 the Krugerrand made up 90% of the global coin market and, in that same year, smaller denominational coins were introduced making the purchase of gold ever more accessible to the man on the street.

According to Wikipedia, the coin has the status of legal tender and may be offered in payment to creditors. In the eyes of the South African Reserve Bank the Krugerrand counts as a bank note or coin, not as an asset or product, therefore the coin is not subject to VAT – a bonus for local investors.

The iconic design of the coin in conjunction with its value make the Krugerrand a highly sought-after investment globally.

Arno Egen, owner of MR KRUGER, a bullion specialist company that offers expert evaluation of Gold, Silver and other precious metals. The company also deals in Krugerrands and collectable coins. Mr Kruger is a certified dealer for the SA Mint and is a member of SAAND (South African Association of Numismatic Dealers).


Personal Finance

The 3 Decisions That Will Change Your Financial Life

There’s nothing worse than a rich person who’s chronically angry or unhappy. There’s really no excuse for it, yet I see it every day. It results from an extremely unbalanced life, one with too much expectation and not enough appreciation for what’s there.

Tony Robbins




Without gratitude and appreciation for what you already have, you’ll never know true fulfilment. But how do you cultivate balance in life? What’s the point of achievement if your life has no balance?

For nearly four decades, I’ve had the privilege of coaching people from every walk of life, including some of the most powerful men and women on the planet. I’ve worked with presidents of the United States as well as owners of small businesses.

Across the board, I’ve found that virtually every moment people make three key decisions that dictate the quality of their lives. If you make these decisions unconsciously, you’ll end up like the majority of people who tend to be out of shape physically, exhausted emotionally and often financially stressed. But if you make these decisions consciously, you can literally change the course of your life today.

Decision 1: Carefully choose what to focus on

At every moment, millions of things compete for your attention. You can focus on things that are happening right here and now or on what you want to create in the future. Or you can focus on the past.

Where focus goes, energy flows. What you focus on and your pattern for doing so shapes your entire life.

Related: 10 YouTube Channels Every Entrepreneur Should Follow

Which area do you tend to focus on more: What you have or what’s missing from your life?

I’m sure you think about both sides of this coin. But if you examine your habitual thoughts, what do you tend to spend most of your time dwelling on?

Rather than focusing on what you don’t have and begrudging those who are better off than you financially, perhaps you should acknowledge that you have much to be grateful for and some of it has nothing to do with money. You can be grateful for your health, family, friends, opportunities and mind.

Developing a habit of appreciating what you have can create a new level of emotional wellbeing and wealth. But the real question is, do you take time to feel deeply grateful for your mind, body, heart and soul? That’s where the joy, happiness and fulfilment can be found.

Consider a second pattern of focus that affects the quality of your life: Do you tend to focus more on what you can control or what you can’t?

If you focus on what you can’t control, you’ll have more stress in life. You can influence many aspects of your life but you usually can’t control them.

When you adopt this pattern of focus, your brain has to make another decision: 

Decision 2: Figure out, What does this all mean?

Ultimately, how you feel about your life has nothing to do with the events in it or with your financial condition or what has (or hasn’t) happened to you. The quality of your life is controlled by the meaning you give these things.

Most of the time you may be unaware of the effect of your unconscious mind in assigning meaning to life’s events.

When something happens that disrupts your life (a car accident, a health issue, a job loss), do you tend to think that this is the end or the beginning?

If someone confronts you, is that person insulting you, coaching you or truly caring for you?

Does a devastating problem mean that God is punishing you or challenging you? Or is it possible that this problem is a gift from God?

Your life takes on whatever meaning you give it. With each meaning comes a unique feeling or emotion and the quality of your life involves where you live emotionally.

I always ask during my seminars, “How many of you know someone who is on antidepressants and still depressed?” Typically 85% to 90% of those assembled raise their hands.

How is this possible? The drugs should make people feel better. It’s true that antidepressants do come with labels warning that suicidal thoughts are a possible side-effect.

But no matter how much a person drugs himself, if he constantly focuses on what he can’t control in life and what’s missing, he won’t find it hard to despair. If he adds to that a meaning like ‘life is not worth living,’ that’s an emotional cocktail that no antidepressant can consistently overcome.

Yet if that same person can arrive at a new meaning, a reason to live or a belief that all this was meant to be, then he will be stronger than anything that ever happened to him.

When people shift their habitual focus and meanings, there’s no limit to what life can become. A change of focus and a shift in meaning can literally alter someone’s biochemistry in minutes.

So take control and always remember: Meaning equals emotion and emotion equals life. Choose consciously and wisely. Find an empowering meaning in any event, and wealth in its deepest sense will be yours today.

Once you create a meaning in your mind, it creates an emotion, and that emotion leads to a state for making your third decision:

Related: 13 Habits Of Self-Made Millionaires You Could Adopt Today

Decision 3: What will you do?

The actions you take are powerfully shaped by the emotional state you’re in. If you’re angry, you’re going to behave quite differently than if you’re feeling playful or outrageous.

If you want to shape your actions, the fastest way is to change what you focus on and shift the meaning to be something more empowering.

Two people who are angry will behave differently. Some pull back. Others push through.

Some individuals express anger quietly. Others do so loudly or violently. Yet others suppress it only to look for a passive-aggressive opportunity to regain the upper hand or even exact revenge.

Where do these patterns come from? People tend to model their behaviour on those they respect, enjoy and love.

The people who frustrated or angered you? You often reject their approaches.

Yet far too often you may find yourself falling back into patterns you witnessed over and over again in your youth and were displeased by. It’s very useful for you to become aware of your patterns when you are frustrated, angry or sad, or feel lonely. You can’t change your patterns if you’re not aware of them.

Now that you’re aware of the power of these three decisions, start looking for role models who are experiencing what you want out of life. I promise you that those who have passionate relationships have a totally different focus and arrive at totally different meanings for the challenges in relationships than people who are constantly bickering or fighting.

It’s not rocket science. If you become aware of the differences in how people approach these three decisions, you’ll have a pathway to help you create a permanent positive change in any area of life.

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Personal Finance

7 Steps To Achieve Financial Freedom

Achieving financial freedom doesn’t necessarily mean becoming filthy rich – not that that hurts.

Brian Tracy




In this video, Entrepreneur Network partner Brian Tracy explains the seven steps you need to take to achieve financial freedom. Now, financial freedom doesn’t mean becoming filthy rich – lottery winners go bankrupt all the time. Instead, financial freedom is about becoming disciplined and using your money in a way that ensures you can live the sort of life you want both now and in the future.

Related: 5 Qualities Of Successful Entrepreneurs

That’s why the first step isn’t about getting a lot of money. Instead, it’s about teaching yourself to think positively about money. That way, you’ll be in the right mindset to move forward.

Click play to learn more.

This article was originally posted here on

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Personal Finance

4 Ways To Become A Millionaire Even When You Start With Little

It costs nothing to take advantage of the limitless opportunities online.

Timothy Sykes




The hardest part of becoming successful is getting started to begin with. But despite the challenges ahead of you, there’s a way to become a millionaire when starting with little. I’m going to show you four reasons why you can become a millionaire with just a small investment.

1First focus on learning, not big gain

Education is your greatest weapon. Focus on learning in the beginning. Don’t make the mistake of focusing on making huge gains in the beginning. Learn everything you can because this is how you build the foundations for long-term gains.

They say that if a millionaire goes bankrupt they’ll nearly always be able to get it back. And that’s because they might have lost their money, but they have the knowledge of how to get back to where they need to be.

Related: 21 Choices Millionaires Make That You Aren’t Making But Should Be

2You can learn loads about any topic online


I’m grateful for the internet. It’s the single biggest library in the world. You’re reading this article right now and you’re acquiring knowledge you wouldn’t have been able to acquire 40 years ago. Use the internet to its fullest extent, whether that’s through reading books, browsing articles or watching video tutorials.

Set some time aside every day to learn something online. It could be a video series or a favorite blog. When you get into the habit of learning regularly you’ll find that you advance much faster.

3Focus on the niche you love

These days you can learn about anything and target the niche you’re passionate about. This is what I was able to do with penny stocks. I found a gap in the market and provided knowledge to people who wouldn’t have otherwise being able to access this sort of information.

You can do that with absolutely any niche. When you find a niche you’re passionate about and you use the reach of the Internet you start to make huge gains.

4Prove your expertise by creating free content

Your reputation as an authority is the new business card. There’s a reason I created a penny stock guide and made it free for all. You may have already seen ads for it on social media. The way to succeed with little is to create a reputation through your content.

It’s the gateway to success because through free content you start to build relationships with others who value your work. And from there everyone gets richer.

Related: How To Become A Millionaire, Explained In 1 Minute

You can do lots with a little

The days when you needed a huge investment to become successful are long gone. These days you can do so much with just a little. Find what you love, advance your knowledge in that area, and create a product that fulfills a need. Finally, work on building up relationships through portraying yourself as an authority on your subject.

Combine everything together and you can accomplish anything.

This article was originally posted here on

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