The world is changing fast. Inflation remains elevated, markets fluctuate, and economic uncertainty is now part of everyday life. For entrepreneurs, running a business in these conditions requires not only strategic thinking in the office but also smart decisions about how to protect their own personal wealth. Gold and silver, long regarded as safe-haven assets, have never been more relevant.

Cash savings are losing ground

Last year alone, Britons placed over £100 billion into Cash ISAs, the largest amount in decades. Families did this for one reason: security. Not for growth, not for excitement, but for stability in uncertain times.

However, the financial landscape is shifting. The 2027 ISA overhaul announced in the Autumn Budget will reduce the annual cash ISA allowance for most savers, cutting it from £20,000 to £12,000. At the same time, UK inflation currently sits at around 3.8%, while many cash savings accounts offer interest rates below 3%. The combination means that traditional cash savings are losing real value, creating a challenge for entrepreneurs who need both liquidity and security.

Gold and silver offer a solution. Physical coins, such as Gold Sovereigns and Britannias, hold intrinsic value, are portable, and, crucially for UK investors, they are exempt from Capital Gains Tax and VAT. Unlike cash. This means they cannot be eroded by inflation or policy changes, and they remain fully under the owner's control.

Global demand is surging

Meanwhile, global demand for gold continues to rise. Central banks, sovereign investors, and institutions are increasing their holdings, recognising gold's enduring value. Over 1,000 tonnes of gold were acquired by central banks last year alone, highlighting its status as a crisis-proof asset.

UBS forecasts gold could reach $4,500 per ounce by mid-2026 [1], following strong performance last year (28%) and 45% year-to-date. Rising demand combined with finite supply reinforces gold's long-term growth potential, making it an attractive choice for anyone looking to protect their wealth while maintaining liquidity.

A real-world example

Take Jane Farnham, a single mother of three and entertainment entrepreneur based in Deal, Kent. Like many business owners, Jane has faced fluctuating income and the challenge of balancing family responsibilities with entrepreneurship. Tired of seeing her money sit idle in low-interest accounts, she decided to invest in physical gold and silver.

"I needed something real and secure, and something I could access easily if a major expense came up," Jane says. She began buying Gold Sovereigns and Silver Britannias and found the process simple and transparent. She also had her holdings professionally valued by us, giving her confidence in how her investment was performing.

Over two years, her gold holdings have increased by around 80%, while her silver holdings have grown by roughly 60%. Compared to traditional savings, Jane says, "I've made so much more money. It's made a massive difference to my financial security." She is now planning to expand her portfolio further in 2026, confident that her investments will continue to protect her family while providing long-term growth.

Why gold works for entrepreneurs

Gold offers several advantages for business owners:

• It serves as a liquid reserve, available when cash flow is tight or unexpected expenses arise.
• It provides tax efficiency through exemptions from Capital Gains Tax and VAT on legal-tender coins.
• It is independent of the banking system, avoiding counterparty risk.
• It offers inflation protection and long-term wealth preservation.

For entrepreneurs, these benefits are particularly valuable. Business owners often have volatile incomes and face uncertain markets; physical gold is a stable, low-maintenance asset that provides security without tying up capital in high-risk investments.

A growing trend among women entrepreneurs

Interestingly, the uptake of gold investing among women business owners is rising. Historically underrepresented in investing circles, women are increasingly seeking assets that provide autonomy, stability, and tangible value. Jane's experience highlights this trend: she has used gold to balance liquidity, long-term growth, and peace of mind, all while running a business and caring for her family.

Britannia Bullion [2]