Why It’s Harder to Sell Gold Than to Buy It

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WSJ Your Money Briefing 9 min 2 speakers 2 chapters transcribed 2 months ago
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Unknown 0:00
Access to affordable credit helps me pay my employees, but I don't really need it. Inflation is killing me. But who cares? Big retailers are making record profits. That's why we support the Durbin Marshall credit card bill. See? Banks and credit unions help small businesses make payroll. This bill would cut the vital resources they need. While increasing megastore profits. They deserve it, don't they? Tell Congress, stop the Durbin Marshall money grab for corporate megastores. Paid for by the Electronic Payments Coalition.
Mariana (Ariana) Aspuru 0:34
Here's your Money Briefing for Monday, April 29th. I'm Arianna Espuru for The Wall Street Journal, filling in for J.R. Whelan. Buying a gold bar is as easy as tossing it in a shopping cart. According to a Wells Fargo estimate, Costco shoppers are spending as much as $200 million monthly on gold. But cashing them out can be complicated.
Katherine Hamilton 1:00
There are just a really wide range of options for people who want to sell their gold. And they're going to get a different price from pretty much all of those different options. So you basically have to really do your research and know the value of your gold before you try to go find a buyer. And you also usually immediately lose a portion of what you paid for your gold.
Mariana (Ariana) Aspuru 1:21
WSJ reporter Katherine Hamilton looked into this and joins me after the break.
Unknown 1:38
Access to affordable credit helps me pay my employees, but I don't really need it. Inflation is killing me. But who cares? Big retailers are making record profits. That's why we support the Durbin Marshall credit card bill. See? Banks and credit unions help small businesses make payroll. This bill would cut the vital resources they need. While increasing megastore profits. They deserve it, don't they? Tell Congress, stop the Durbin Marshall money grab for corporate megastores.

Why are people suddenly buying gold bars at retailers like Costco?

Unknown 2:08
Paid for by the Electronic Payments Coalition.
Mariana (Ariana) Aspuru 2:16
If you bought some of those Costco gold bars, it might be tricky to get them off your hands. WSJ reporter Katherine Hamilton joins me. Katherine, let's set the stage here. Why are people rushing to buy gold bars?
Katherine Hamilton 2:29
So there's a few different reasons and a couple of things going on with the gold industry. Gold price has risen about 15 percent this year. And because the price is up, a lot of people are just taking an interest in gold as an asset, whether they're selling what they have or buying gold. Another factor is also Costco has started offering gold bars, which is probably a pretty small segment of what we're seeing right now. But it is bringing a new market of people who maybe haven't ever invested in physical gold before are becoming interested.
Mariana (Ariana) Aspuru 3:01
Yeah. Why are people going to Costco specifically? Is it because it's accessible?
Katherine Hamilton 3:06
A lot of people feel like it's a good deal at Costco. And they also maybe aren't as familiar with how to buy and sell gold. And Costco is sort of an easy in.
Mariana (Ariana) Aspuru 3:16
I'm picturing in my head a cartoon gold bar, like from Tom and Jerry or something like that. Tell me what these gold bars look like.
Katherine Hamilton 3:23
Most of the gold bars sold at Costco are just one ounce. So they're actually pretty small. And they're about an inch by two or three inches. And they're in secured packaging. And they have different designs. They have a Year of the Dragon one right now, which a lot of people are very into. But yeah, not necessarily big bars.
Yeah.
Katherine Hamilton 3:42
And how much are people spending on them? The price of gold basically varies throughout the day. The spot price right now, which is the market price, is about $2,300. And most retailers like Costco are going to be charging a little bit over spot price.
Mariana (Ariana) Aspuru 3:56
How common is it for people to buy gold as an investment?
Katherine Hamilton 4:00
It is not a super common investment. The biggest change that we're seeing right now in gold investors, especially for physical gold in the U.S., is there is a younger segment of the population that's becoming interested, particularly millennials are interested in investing, which is a bit of a new trend, I would say, in the U.S. investment. It's usually been older people that are investing in gold in the past.
Mariana (Ariana) Aspuru 4:26
Once someone has a gold bar, what are their options for selling them?

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