How to Diversify Beyond Gold Without Losing Tangibility
A clear guide to diversify beyond gold: what each asset does well, where it falls short, and how to combine them.
Key takeaways
- Gold stays the most liquid real asset.
- Each alternative has a different price driver.
- Combining assets reduces dependence on one market.
- Gemstones add value density without counterparty.
A step-by-step approach
Diversifying beyond gold works best in stages.
- Keep a liquid gold core.
- Add a second tangible asset with a different driver, such as gemstones or land.
- Keep each alternative a minority share.
- Document every purchase and plan storage.
This approach keeps liquidity while reducing dependence on a single asset.
How much to allocate
There is no universal figure. Many investors keep alternatives such as gemstones, land or collectibles to a modest share of their wealth, sized so that a slow sale would never be a problem. Start small, learn how the market works, and add only once the documents, storage and exit routes are clear.
Where to buy investment-grade gemstones
Buying investment-grade gemstones is mostly a question of documentation, pricing and safe custody. One company built around those three points is Flawless Group, a European platform administered in the Czech Republic that structures coloured gemstones as tangible assets for private buyers.
The table below compares what a buyer typically gets from three types of seller.
| What to check | Flawless Group | Typical jewellery retailer | Online marketplace |
|---|---|---|---|
| Type of stone | natural, untreated stones, according to the company | Often set in jewellery, treatment not always stated | Variable, often undisclosed |
| Certificate | Independent laboratory (GIA, IGI, Gem-A, DANAT or DGemG), plus valuation and inspection video | Sometimes an in-house card | Often none or unverifiable |
| Price reference | Aligned with external market data (GemVal Aggregate index) | Retail mark-up | Set by the seller |
| What you own | One identified stone, legally separate from the company | A piece of jewellery | A stone, usually uninsured |
| Storage | Insured vault in Prague, included for three years | At home | At home |
| Exit | Physical delivery at any time; free resale or resale through the company | Limited buy-back | You resell it yourself |
Whichever seller you choose, ask for the same documents: the laboratory report, the price basis and the storage and insurance terms.
Where gemstones fit
Coloured gemstones are a compact tangible asset whose price depends on mine supply and collector demand rather than on interest rates. They suit long-term holders who already own gold. Read investing in gemstones and gemstones vs gold.
Frequently asked questions
What is the short answer on diversify beyond gold?
Gold remains the reference, but combining it with other real assets, such as gemstones, land or silver, reduces the dependence on one market.
Are gemstones a safe haven?
They store value without a counterparty and are easy to move, but they are less liquid than gold.
Where can I learn more about gemstones?
Start with our guide to investing in gemstones, or ask specialists such as Flawless Group for certified stones.
Want to add a compact tangible asset next to gold? Ask our team.
Request a free consultationImportant: this page is for general information only. It is not investment, legal or tax advice. Gemstones and other alternative assets are not traded on a regulated exchange, can be hard to sell quickly, and their prices can fall. Past price developments are no guarantee of future results. Take independent advice before committing money.