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Liberty Bullion Australian bullion dealer operated by Sam Lawrie

19/10/2026

Gold beat Australia's biggest super funds... and it wasn't close.

Since 2009, UniSuper averaged 8.5% a year. MLC did even less.

Gold averaged 10.1%.

Then last year the gold-silver ratio hit 100 to 1. That's 100 ounces of silver for one ounce of gold. Historically that's an extreme, and I saw it as a chance to swap some gold into silver.

On a $500K SMSF, gold alone took it to $2.62M. Swapping gold to silver at 100 to 1 took it to $3.87M.

The key takeaway is that your super fund isn't the only option. Holding physical metal in an SMSF puts you back in control, and timing your swaps between metals can matter as much as owning them.

Not financial advice, just what I do with my own money.

Get in touch with Liberty Bullion. What a time to be alive.

15/10/2026

Live from the Australian Gold Conference with Joel Jamal, and the news broke just as we were talking about it.

A $1 billion gold mine has just been sent back for another look.

On Wednesday the Federal Court found that an Aboriginal protection order over Regis Resources’ McPhillamys project in NSW was made without authority. The decision goes back to the federal environment minister for redetermination.

What I’m seeing is less about one mine and more about how long it takes to bring new gold out of the ground. The project was approved in 2023, and the company is now aiming for a final investment decision in the first half of 2028.

That is a long wait for a project this size. Approval risk sits right alongside geology and gold price when miners decide what gets built.

The key takeaway is that new mine supply is slow to arrive, and that matters for anyone thinking about gold over the long term.

Get in touch with Liberty Bullion. What a time to be alive.

13/10/2026

Who's on the hook when 5% deposit buyers fall into negative equity?

It's right there in the name. The 5% Deposit Guarantee Scheme.

The bank carries 80% of the risk, as usual. You carry 5%, your deposit. The government guarantees the 15% in between, which is how buyers avoid Lenders Mortgage Insurance.

That guarantee is the part most people overlook. If prices fall far enough and someone who bought at the top can't hold on, the loss eats through their deposit and into the government's share.

And the government's share is taxpayer money. With Sydney values down around 19% in a year, I don't think this is hypothetical anymore.

Get in touch with Liberty Bullion. What a time to be alive.

12/10/2026

Who actually gets hurt when Australian property falls?

Most people assume it's investors and real estate agents. I think the damage runs much deeper than that.

When the biggest asset most Australians own starts dropping, people stop spending. That wealth effect alone can tip an economy towards recession.

Then there's the 5% Deposit Scheme. The government guarantees part of those loans, so when buyers get into trouble, the taxpayer carries the loss.

And the banks hold the rest of the risk. Retirees have loaded their portfolios with bank shares for the dividends, so a hit to the banks lands on their retirement savings.

Own property or rent like me, you're exposed either way.

Get in touch with Liberty Bullion. What a time to be alive.

10/10/2026

Bond yields may have just topped, and precious metals may have just bottomed.

Gold finished the week up 1.28% and silver up 0.74%, even after both dipped midweek. Platinum gave back 0.79%.

The turn came from the bond market. US 10 year yields look like they've made a short term top, and metals have tended to move the other way. That's what I'm seeing this week.

Zoom out and the picture gets more interesting for me. Silver has broken out of a 45 year cup and handle, and out of an eight month consolidation on the medium term.

That leaves me incredibly bullish on precious metals from here. It's my own view, not advice.

Get in touch with Liberty Bullion. What a time to be alive.

I kept the wording on yields and metals to "looks like" and "tended to", since the VO is a read of the chart and not a certainty. Say if you want it shorter, or want a hook more like "Silver just broke out of a 45 year pattern".

07/10/2026

Bond yields are skyrocketing across the world, particularly in the US, while governments carry debt loads bigger than anything we've seen in peacetime. That is the textbook recipe for a sovereign debt crisis, and we don't have to guess what one looks like. We just have to look at Greece.

In 2009 Greece had a $400 billion debt they couldn't pay. Their debt-to-GDP went from around 120% to 180%. Here's what happened to the people holding the "safe" assets.

Property fell by up to 42%.
The Greek stock index fell 90%.
The Greek banking index fell 99.6%.

Think about that last one for a second. If you had money in a Greek bank index, you were essentially wiped out.

Now look at gold through the same window. In 2009 it was about €475 an ounce. By 2015, when the banking crisis really kicked into gear, it was over €1,000. More than doubled.

Property, stocks and banks got destroyed. Gold protected the people who held it.

The US isn't Greece. It's bigger. Which means when the maths finally catches up, the move in precious metals is going to make Greece look small.

Get in touch with Liberty Bullion. What a time to be alive.

04/10/2026

Gold or silver? I let one chart decide for me.

It's the gold silver ratio, how many ounces of silver it takes to buy one ounce of gold.

When the ratio is high, silver is cheap relative to gold. When it's low, gold is the better value.

Right now it sits at 68.5 to 1.

My line in the sand is below 20 to 1. That's when I'll start looking at swapping my silver back into gold. If the ratio makes that move, my silver ounces would buy over three times as much gold as they do today.

The key takeaway is that it's not just which metal you hold, it's knowing when each one is undervalued.

That's why, personally, I'm buying silver right now.

What a time to be alive.

03/10/2026

Gold down 3%. Silver down 6.1%. Platinum down 4.5%.

A rough week for the metals, and most of it hit on Monday morning our time, before US markets had even opened. Some are calling that manipulation.

Either way, the bigger driver is bonds. US yields ripped higher this week, which means rising rates for the whole world. In the short term, that's weakness for precious metals.

But the 1970s showed us rising rates were no problem for gold and silver over the medium to long term. And right now, it's smelling a lot like the 1970s.

The key takeaway is that I see a lower silver price as a dip in a bull market, not the end of one.

Statues are $400 off and shipping is free on all orders at Liberty Bullion right now.

What a time to be alive.

01/10/2026

Rising rates. Sticky inflation. Stretched share and property markets. Conflict in the Middle East pushing oil higher.

The late 2020s are rhyming with what was going on in the 1970s.

Through that decade, gold rose over 2,000%. Silver, bottom to top, rose around 3,400%.

But the bigger story is the gold-to-silver ratio. Halfway through that bull market in 1975, it peaked above 40 to 1. By 1980, it had collapsed below 17 to 1.

So an investor who held gold for the first half, then swapped into silver at that peak, would have more than doubled their ounces again on top of a 20x move in gold. Close to 50x by the end.

The key takeaway is that stagflation has a playbook, and I think we're living through the sequel.

Not bad for some shiny rocks sitting in a safe.

What a time to be alive.

30/09/2026

$500,000 in silver in 2009 is worth around $2.5 million today.

That actually lags gold. But it makes complete sense once you understand how the precious metals cycle works.

Gold runs first. Silver follows with a delay... and then runs further in percentage terms.

The signal I watch is the gold silver ratio, how many ounces of silver it takes to buy one ounce of gold. When it pushed past 100 to 1 last April, I saw silver as historically cheap against gold and made the swap.

Had that $500,000 gone into gold in 2009 and been switched to silver at that point, it would now be sitting at around $4.86 million. That's roughly 14.1% a year, $1.4 million ahead of staying in gold and $3 million ahead of the average Aussie super fund.

The key takeaway is that timing within the cycle matters as much as the metal itself.

Get in touch with Liberty Bullion. What a time to be alive.

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