Hi Everyone,
Hope all are doing well out there.
It’s been super busy, like we’ve-never-seen-before-busy starting in October last year to peak during January while silver was, mildly put, "on the move“, rising 120.71% on a Euro basis in 2025.
Now, taking a breather, I thought it would be good to exchange some news and ideas on how to manoeuvre through 2026.
Current gold and silver markets
The current correction in silver is healthy and nothing to worry about - in our view - (never advice). Physical premiums have at least quadrupled throughout all producers and mints. Some smaller silver bars are not currently being produced, new 2026 standard investment coins have delivery times of 60-90-100 days.
Even if the raw commodity price for silver has dropped, the actual price for a physical silver coin is currently around the 100 Euro mark. This happened last during Covid, where physical availability was not given. So what we are seeing is, that the real market detaches from the paper market again.
Silver chart in Euro - last 12 months
With the recent events, I would like to address the most asked questions through customer support requests and phone calls.
Should I invest or should I wait?
With prices and premiums currently at elevated levels, the question is, whether you are already invested or not.
If you are invested already and you enjoyed the ride up to these new levels - fantastic. If you have "currency“ sitting around, then yes adding to gold at these levels might be a good idea.
On the gold/silver ratio chart, we would like to see ratios below 1:40 before silver starts to become overvalued compared to gold. So "gold“ is the golden option presently to park currency outside the system, as we believe systemic risks still keep growing day by day.
If you do not have any diversification into gold and silver in your portfolio, then it might be a good idea to start investing and diversifying out from other assets, like now-ish.
Check out the Best Value category for best deals:
https://celticgold.eu/shop?search=&label=2#
How do I make the most out of small sums?
How do I make the most out of small monthly amounts I am planning to invest?
The main reason as to why individuals invest in gold and silver is that those coins and bars do not carry any counterparty risk - in short, they cannot go broke. Banks, government bonds and fiat-currencies tend to devalue dramatically over time. Physical gold and silver are the ultimate hedge against a global debt and currency crisis.
However, for very small amounts, a single 1oz silver coin, approx. 100 Euro at the time of writing this newsletter, or a 1 gram gold bar at approx. 160 Euro are the smallest units and if you add shipping into the equation it is actually uneconomical to purchase these small units individually.
The Gold Account - Savings up to 20%
We launched the gold account in early 2025, which is 100% physical gold in a pooled account, it is completely protected from insolvency of the involved parties which is Prosegur Frankfurt and CelticGold.
You can buy from 0.1 gram at zero fees. The buy/sell spread is 0.35%, that means if you buy gold for 1,000 Euro and sell it at the same time, you would receive 996.50 Euros back. There are no other costs or hidden fees.
The general idea is, that whenever you have 100 Euro, 1,000 Euros or 15 Euros available for investment, you can create an order on the below linked gold account:
https://celticgold.eu/shop/emkau-fine-gold-gram-metal-account-2356
and accumulate your "pile“ of gold over time.
Metal Account - As of 11th February 2026 - 14.00 German time
As soon as you have collected enough stock in your account, you can sell those gold grams and convert it into a bigger sized gold coin or bar.
5g Gold Bar | Valcambi - As of 11th February 2026 - 14.00 German time
For example - 100 grams of gold:
You can afford 5 grams of gold per month, after 20 months you saved up those 100 grams.
You could have made 20 gold account orders, or 20 orders for each 5 gram of gold including shipment.
As of 11th February 2026 - 14.00 German time
1 gram of gold in the gold account costs 137.20 Euro x 5 grams = 686.00 Euro
100g Gold Bar | Valcambi - As of 11th February 2026 - 14.00 German time
A 5 gram Valcambi gold bar costs 754.33 Euro plus 25 Euros shipping = 779.33 Euro
Assuming the gold price does not change over the period of 20 months:
20 orders of a 5 gram gold bar including delivery with each 779.33 Euro = 15,586.60 Euro
20 orders of 5 grams in the gold account at 686.00 Euro = 13,720 Euro
This is a difference of 12%, let’s now add the selling of the gold account, converting this into a 100g gold bar and shipping it out:
Selling of the 100 grams in the gold account would redeem: 13,671.98 Euro
The buying of a 100 grams Valcambi gold bar as of today is: 14,379.52 Euro plus 39 Euro insured shipping = 14,418.52 Euro
This is a saving of 1,168.08 Euro compared to shipping 20 x 5 gram gold bars individually.
Of course price and premiums do vary over the course of 20 months, this was just an example of how the gold account can be utilised to max out smaller amounts into physical gold.
The smaller the denominations are, such as a 1 gram gold bar, the more the gold account works to your favour.
There are a number of other use cases on how the gold account may be useful for your investment needs:
- park a lump sum into gold if you have a short(er) term investment duration, the buy/sell spread is one of the smallest in the industry
- move into gold to trade the gold/silver ratio. You can sell the gold account at any time and with the credit you can buy any product on our website, for example silver
- No storage fees - storage fees for the insured allocated storage have risen in accordance with the appreciation of the gold and silver prices, if you wanted to zero out the storage bill, you can also sell your gold and move it into the gold account
Current Prices
Investment Strategy 2026 (not advice)
The key points for successful investments are clarity and accurate information in a world that moves a lot faster with the widespread implementation of AI nowadays.
The question is "Where do you get accurate information?“
Here:
https://celticgold.eu/blog/technical-gold-and-bitcoin-analysis-by-florian-grummes-37
As I’m following a lot of different technical analysts and news outlets, Florian is "the one“. He is absolutely brilliant in his depth, macro views, technical analysis and conclusions.
He is widely known and seen on kitco.com and all major conferences around the world. Florian publishes approximately every two weeks giving us the latest in-depth analysis on gold and bitcoin here at celticgold.eu.
If investing is your "thing“ join his telegram channel:
https://t.me/MidasTouchConsulting
I would strongly recommend to frequently read his analysis and tune down the daily noise as it appears to help with clarity a lot.
Talking about wealth and health :-)
This is the best transition I could come up with to a project CelticGold has been developing over the last two years.
Being in the financial industry for 30 years, Jeez, that went quick and meeting several tens of thousands of people, I learned that all of the really cool, self-made millionaires are usually paying attention to their health and food. And one of the most talked about topics in meetings outside of gold and silver is always food, quality of food and health. Maybe it’s because it is one of the topics I’m the most interested in myself. Well, who knows for sure.
And this story couldn’t tie in better: "Back in the day“ when I was a kid, we were eating with the seasons, stuff was still growing in the backyard and with my school mates of like 25 other kids, there was one wearing glasses and one that had a challenging birth and therefore experienced some health issues.
Fast forward 25 years later, when I went to the mandatory checkup with my 12 month old daughter, the doctor lady looked at me surprised and said "Oh, I haven’t seen you in the last 9 months, is everything alright?“.
I needed a second to reflect what was just happening and replied: "The very fact you haven’t seen us in the last 9 months means everything is fine with the kid“.
It then dawned on me, in her daily experience it must have been so unusual that the babies and kids only do the mandatory checkups, because in her experience, normality is that kids are sick most of the time.
Fast forward another six years, my daughter started primary school and 30 percent of her classmates wear glasses and/or are experiencing one or another form of continuous or chronic illnesses.
This is a very different experience from when I was a kid and I strongly believe it is linked to the quality of food we have available today. And a number of other contributing factors which would be too intense to go into here at this point.
Getting our hands on nutritional complete food that the body can fully utilise, eating healthily and returning back to natural health, calmness and clarity appears to be more challenging than ever before.
So, we made it a project. It is called Sugar Valley and is located in the beautiful Algarve in Portugal, Southern Europe.
The first step was to find an an abandoned farm, which we did here:
https://maps.app.goo.gl/64d6UK4pGM8aWvwZ7
We then started to team up with like-minded people and started to built the first water saving, eco-farm in Southern Europe. Weather permitting, the farming team will have finished the infrastructure sometime in May 2026 and then the market gardening team will start growing vegetables and herbs.
Follow the progress and build here - please like and subscribe:
https://www.instagram.com/sugarvalley.pt
https://www.facebook.com/people/Sugar-Valley-Quinta-Vale-de-Canas/61552580957564
https://www.youtube.com/@sugarvalleyportugal
Healing mind, body and spirit, with one orange at a time
At Sugar Valley it all starts with citrus fruits - oranges, lemons, grapefruit and tangerines. Our products grow without any chemicals, are harvested by hand at full ripeness, washed and sorted and then shipped safely to your door - all over Europe.
We tried it all and made it work, we shipped oranges to the most obscure places in Europe, during last summer at 35°C, during this winter at -15°C into Estonia and the north of Sweden.
It is unbelievable what the team have already accomplished over the last two years, with the goal for you to "experience natural abundance“. And there will be more awesomeness coming to life as we’ll progress through 2026.
It eventually all ties in together. Mens sana in corpore sano, as the old Latin saying goes, or in more modern terms: You are what you eat, first coined in 1826 by Anthelme Brillat-Savarin.
After the farm is fully operational, we will start to build a gathering place, nestled into the hill, energy efficient and vibrant, so we can nourish our souls, be with like-minded people and return back into the natural state of happiness, energy and vibrancy. A true human being, re-connected to the land and source of all things.
Until all of this becomes a reality, we move forwards one orange at a time! 🍊
Get 15% off with the discount code: 15OFF
Use the above discount code for your order at:
or
to receive the best products from the Algarve to your doorstep.
Hey, what is that you are an expert in?
Talk to us, come forward, connect and join the team, share the love and your experience:
If you have a skill set that you feel will be helpful and beneficial to the project, the team and overall vision contact us here via email at hello@sugarvalley.pt or apply at https://www.sugarvalley.pt/pages/jobs
We are currently looking for these skill sets:
A/C System Installer, Plumber and Technician
Assistant - Market Garden Team
Python Developer - if you have experience in python, contact CelticGold on info@celticgold.eu
All the best,
Stefan
CEO - CelticGold