Why and how to invest in gold and silver in Belgium?

Investing in gold and silver has always been a popular strategy for protecting one's assets. In Belgium, these precious metals offer a safe haven against inflation and economic crises. But why is it worthwhile to invest in gold and silver? And how can you do so securely while complying with Belgian tax regulations?

Why invest in gold and silver?

1. A historic safe haven

Gold and silver are tangible assets that are not dependent on financial markets. In times of economic uncertainty, their value tends to increase, making them an excellent way to preserve your savings.

2. Protection against inflation

Gold and silver are tangible assets that are not dependent on financial markets. In times of economic uncertainty, their value tends to increase, making them an excellent way to preserve your savings.

3. Diversification of assets

Investing in precious metals allows you to diversify your investment portfolio. They act as a bulwark against stock market fluctuations.

The different forms of investment

There are several ways to invest in gold and silver in Belgium:

1. Ingots and coins

Gold and silver bullion are valued for their purity and liquidity. In Belgium, investment gold (bullion and certain gold coins) is exempt from VAT, unlike silver metal.

2. Gold and silver jewelry

Buying jewelry can be a form of investment, but you have to take into account the labor included in the price. In the event of resale, only the value of the metal will be taken into account.

3. Paper gold and ETFs

For those who do not wish to physically store their gold, there are financial products such as ETFs (exchange-traded funds) backed by gold and silver. However, these investments do not guarantee actual ownership of the metal.

Taxation of gold and silver in Belgium

1. Taxation on purchases and sales

Buying gold and silver:

• Investment gold (bullion and recognized coins) remains exempt from VAT on purchase in Belgium.

• Silver metal remains subject to 21% VAT when purchased in physical form (bullion or non-exempt coins).

Resale of gold and silver:

• The resale of investment gold is now subject to a 10% tax on capital gains, calculated based on the reference price on December 31, 2025, with an annual allowance of €10,000.

• Silver metal, on the other hand, does not benefit from this regime and remains untaxed on resale, except for the standard tax rules on private gains.

2. Declaration and traceability

Transactions involving precious metals are regulated to prevent money laundering. When selling or buying, regardless of the amount of the transaction, you will be asked to provide proof of identity.

Tips for secure investing

1. Buy from licensed professionals: Check the seller's reputation and make sure the gold or silver has a certificate of authenticity.
2. Store your gold and silver safely: Avoid keeping large quantities at home. Opt for a bank safe deposit box or a specialized storage service.

Investing in gold and silver in Belgium: key points to remember

Investing in gold and silver in Belgium is an attractive strategy for protecting and diversifying your assets. Whether in the form of bars, coins, or jewelry, these precious metals retain a strong intrinsic value. However, it is essential to be well informed about the tax and regulatory requirements in force in order to invest with complete peace of mind.

Need information or advice on buying or selling gold and silver in Belgium? Contact us today!