One positive outcome of finishing your taxes early is receiving your tax refund as soon as possible. Instead of wasting this year's refund on just another gadget which you will forget about or break by next year’s tax day, why not prepare for your family’s future by investing in gold?

Why is investing in gold jewelry worthwhile?

Today the stock market is up, but what about tomorrow? Everyone knows a rally can’t last forever.

Through good times and bad times, gold is a valuable asset. Stockpiling gold reserves has been a preferred method for retaining wealth for hundreds of years. Most investors tend to buy bullion or bars. For some people, this may be the best option, but not for everyone.

Investing in gold jewelry may be a smarter and more convenient for you. Instead of hiding your investment away in a safe, you can wear your fine gold jewelry every day. Jewelry is the most portable form of gold �and is easy to transport without attracting attention.

What you need to know to invest in gold jewelry.

Before you purchase a piece of jewelry as an investment, you must understand a few things:

• Not all golden-colored jewelry is pure gold or even contains any gold at all! Most jewelry has a stamp with the number of karats of gold the piece contains. 24k gold is 99.99% pure gold. 18k gold is 75% pure. 14k, 12k, 10k stamped pieces contain 58.3%, 50%, and 41.7% gold, respectively.
• The price of jewelry is often more expensive than the market price of the gold it contains. This makes sense as a part of the value of the piece comes from the skill of the goldsmith.  You can get a better deal on gold when you buy scrap gold jewelry. Scrap gold jewelry is unwearable jewelry, such as broken chains or odd earrings have prices based on the of amount of gold.

Buy from someone you can trust.