Day-to-day money alternatives:
Discover better investments for your savings!

In times of low interest rates, many investors have realized that the call money account hardly yields any returns. This means that people are increasingly looking for alternatives to call money that offer both security and higher returns. Below we present various forms of investment, highlight their advantages and disadvantages and show why colored gemstones are a worthwhile option.

Alternatives to daily money: advantages and disadvantages

Shares

Advantages:

High return potential, especially for long-term investments.
Wide selection of industries and companies to invest in.

Disadvantages:

Hohe Volatilität und somit starkes Verlustrisiko, insbesondere kurzfristig.
Erfordert fundierte Marktkenntnisse oder professionelle Beratung.

property

Advantages:

Stable performance, especially in sought-after locations.
Tangible asset that offers protection against inflation and can be used or rented at the same time.

Disadvantages:

High entry costs as well as ongoing costs for maintenance and administration.
Market price depends on the economic situation and interest rate developments.

precious metals (gold & silver)

Advantages:

Proven protection against inflation and crises.
High liquidity: Precious metals can be sold quickly worldwide.

Disadvantages:

Lower returns compared to stocks and real estate.
No regular income such as interest or dividends.

vintage cars

Advantages:

Historic vehicles can increase in value significantly over time, especially rare and well-preserved models.
Combination of investment and passion: vehicles can be used and held as an investment at the same time.

Disadvantages:

High ongoing costs for maintenance, care and storage.
The value depends heavily on the condition of the vehicle and market demand.

works of art

Advantages:

Potentially high increases in value, especially for well-known artists and rare works.
Unique collectibles that offer both aesthetic and cultural value.

Disadvantages:

Difficult valuation and lower liquidity as the market is very specialized.
High storage and insurance costs to keep the works safe.

Between Conclusion

The alternatives to the savings account presented here all have their own advantages and challenges. Stocks offer the potential for high returns, but are associated with higher risk and fluctuations, which is not suitable for every investor. Real estate is considered a stable investment with inflation protection, but entails high entry costs and ongoing expenses. Precious metals such as gold and silver offer security in times of crisis and protect against inflation, but generally generate lower returns than stocks or real estate. Works of art can offer impressive increases in value, but require in-depth knowledge of the market and incur high storage and insurance costs. Vintage cars, on the other hand, combine investment with passion, but can be expensive to maintain and are highly dependent on market demand. Investors must therefore carefully weigh up return potential, risk and stability in order to find the right investment form for their needs.

Colored gemstones as a valuable addition to daily money alternatives

Colored gemstones offer an often underestimated opportunity to diversify a portfolio and stabilize it in the long term. Especially in times of low interest rates and economic uncertainty, they are gaining importance as tangible assets because they are independent of interest rates and financial market fluctuations.  

Rubies, sapphires and emeralds, the top investment gemstones, impress with a value dynamic that is detached from traditional markets. This makes them particularly valuable for investors who want to spread their risk and invest in stable tangible assets that will last even in times of crisis. In addition, colored gemstones not only offer stable value retention, but also considerable potential for value appreciation, especially with rare, high-quality specimens. 

In contrast to stagnating returns on classic investments, colored gemstones are ideal for making a portfolio more resilient to market fluctuations. Below we will explain why colored gemstones are an ideal addition to classic overnight money alternatives by offering long-term financial security.

What makes colored gemstones attractive as an investment?

Farbedelsteine wie Rubine, Saphire und Smaragde sind seit Jahrhunderten weltweit als Symbole für Schönheit und Reichtum geschätzt. Ihre Seltenheit und Beständigkeit, kombiniert mit einer unglaublichen Vielfalt an Farben, machen sie zu einer besonders interessanten Anlageform. Im Gegensatz zu Gold, dessen Preis oft von globalen Marktbewegungen beeinflusst wird, bieten Farbedelsteine mehr Stabilität. Diese Edelsteine haben das Potenzial, kontinuierlich im Wert zu steigen – insbesondere dann, wenn sie von herausragender Qualität und mit begrenztem Angebot auf dem Markt verfügbar sind. Hochwertige Investment-Edelsteine haben in den letzten Jahren regelmäßig Wertsteigerungen gezeigt. Ein strategisch aufgebautes Portfolio, betreut von erfahrenen Experten, kann jährliche Wertzuwächse von 10 bis 12 % erreichen.

Portfolio-Diversifizierung und Risikostreuung

Including colored gemstones in a portfolio reduces dependence on other, more volatile forms of investment such as stocks or real estate. Their independence from traditional financial markets offers protection against economic crises.

Strong potential for value appreciation

Gemstones such as rubies, emeralds and sapphires have a proven positive performance. Stones of high quality and rarity in particular show continuous price increases, which can lead to impressive returns over the years.

protection against inflation and currency risks

Similar to precious metals, colored gemstones offer solid protection against inflation. Since they are not influenced by economic decisions, they retain their value even in times of rising inflation and currency devaluation.

Sachwert mit langfristiger Sicherheit

Unlike virtual or intangible assets, colored gemstones are physical assets that have tangible value. Their stability makes them a reliable choice for investors who focus on sustainable investments.

Fewer bureaucratic hurdles

Compared to traditional forms of investment such as real estate or stocks, colored gemstones are often less regulated. This makes them easier to buy, store and trade, without extensive legal requirements or high administrative costs.

Tax advantages

In many countries, investors benefit from tax advantages when investing in gemstones over the long term. For example, in Germany, profits from the sale of colored gemstones are tax-free after a holding period of one year.

Discreet and anonymous investment opportunity

Colored gemstones offer investors a high level of anonymity as they can be traded without public records. This is particularly attractive for investors who want to protect their privacy.

High mobility and flexibility

Unlike bulky physical goods, colored gemstones can be easily transported. Their small size and high value density make them an extremely flexible investment that can be traded worldwide.

Maximum wealth density in the smallest space

Colored gemstones offer the opportunity to store a large amount of wealth in very little space. Their high value per gram allows investors to store large assets safely and discreetly.

Recommendations for investing in colored gemstones

Pay attention to quality and authenticity

Only invest in colored gemstones that have been tested and confirmed by reputable and certified institutes. Look for internationally recognized certificates that prove the authenticity and quality of the stone.

Investing in rare and high-quality stones

Increases in value can be expected, especially for rare and unusual colored gemstones. Stones such as rubies, sapphires and emeralds of high quality, with intense colors and few inclusions, are sought-after investment objects.

Taking a long-term perspective

Colored gemstones are not short-term speculation objects. Plan a long-term investment strategy and keep an eye on the increase in value over the years in order to benefit from the continuous increase in value.

Do not neglect safe storage and insurance

Since colored gemstones are physical assets, you should ensure that they are properly stored and insured against theft or damage. This will protect your investment and preserve the value of the stones in the long term.

Which types of colored gemstones are suitable as an investment?

Colored gemstones are considered valuable investment objects that impress with their rarity, beauty and potential for increasing in value. They offer an attractive opportunity to diversify your portfolio and stabilize it in the long term – whether as a supplement to classic investments such as gold or as a standalone investment. Below we present some of the best colored gemstones for investment, including their individual properties and potential.

Rubies

Rubies are among the most sought-after and valuable colored gemstones on the market. Particularly high-quality specimens with a deep red color, also known as “pigeon blood rubies,” often achieve impressive price increases. Their extreme rarity and the fact that there are only a few places worldwide where they are found contribute significantly to their value. Rubies offer investors both stability and excellent growth opportunities.

Sapphires

Sapphires, especially blue sapphires from Kashmir and Burma, are also highly sought after. These gemstones impress with their intense color and durability. In addition to blue sapphires, there are also yellow, green and pink varieties that are increasingly increasing in value. Their versatility and robust potential for appreciation make sapphires a solid choice for investors.

Emeralds

Emeralds are known for their vibrant green color and their exceptional rarity. Colombian emeralds in particular are highly prized and considered particularly valuable. However, due to their sensitivity and often natural inclusions, it is important to pay attention to quality and origin. Emeralds offer investors excellent potential for appreciation, especially if they are of first-class quality.

spinels

Spinels are still relatively unknown, but in recent years they have become increasingly popular among investors. Their bright colors, which range from red to blue to violet, make them an interesting alternative to the more well-known gemstones. Red and blue spinels in particular can record impressive price increases and, due to their rarity, offer an excellent investment opportunity.

Tsavorite

The green tsavorite garnet is a rare alternative to the emerald. It is particularly durable and impresses with its intense, bright color. Compared to emeralds, tsavorites are often cheaper, but offer a high potential for value increases, especially with larger and high-quality stones.

Morganite

Morganite, a pink gemstone from the beryl group, has established itself as a sought-after investment stone in recent years. It is particularly valued for its delicate hues, which range from pale pink to peach, and its excellent clarity. Morganites offer an interesting alternative to more well-known gemstones such as rubies and sapphires, particularly because of their rarity and aesthetic appeal. In large, high-quality specimens, morganites can record impressive increases in value and offer an excellent opportunity to further diversify a gemstone portfolio.

The German Gemstone House – your trusted partner for secure investments in first-class colored gemstones

Investing in colored gemstones offers an exciting opportunity to diversify your portfolio. At the same time, however, it requires in-depth market knowledge and care when it comes to assessing the quality, authenticity, and the correct storage and insurance of these valuable investments. The German Gemstone House specializes in tackling these challenges and offering investors comprehensive solutions for a safe and profitable investment in colored gemstones.

Quality and authenticity in focus

When investing in colored gemstones, ensuring quality and authenticity is crucial. Deutsche Edelsteinhaus works exclusively with certified experts and laboratories to ensure that each gemstone meets the highest international standards.

banner pricing

Pricing for colored gemstones can be complex, but Deutsche Edelsteinhaus is committed to complete transparency. Thanks to our in-depth market knowledge and many years of experience, we offer clear and understandable pricing structures so that you always know exactly what your investment is worth.

Expertise easily accessible

Investing in colored gemstones requires specific expertise that not every investor can acquire immediately. The German Gemstone House provides you with comprehensive market analyses, reports and personal advice to help you access the necessary information and developments in the world of colored gemstones.

Long-term perspective and diversification

With colored gemstones, you can not only stabilize your portfolio, but also align it for the long term. Gemstones offer a valuable addition to classic investments such as stocks or gold, thereby creating sustainable diversification that counteracts the risks of the market

Safe storage and protection

In order to preserve the value of your gemstones, safe storage is essential. Deutsche Edelsteinhaus offers specially tailored solutions for the safe storage of your valuable gemstones and also provides comprehensive insurance solutions that protect your investment as best as possible.

Overall Conclusion

Colored gemstones offer investors a unique and stable way to diversify their portfolios in the long term. Compared to conventional alternatives such as stocks, real estate or precious metals, they impress with their rare combination of stability, long-term potential for appreciation and independence from traditional financial markets. While call money accounts nowadays offer little or no returns, high-quality gemstones such as rubies, sapphires, emeralds and other investment stones show continuous increases in value. They not only offer protection against inflation, but also a high degree of security in economically turbulent times.

Colored gemstones are not only physical assets, but also discreet and tax-advantageous investments that score points for their mobility and asset concentration. For investors who are looking for a crisis-proof and at the same time aesthetic form of investment, colored gemstones represent a worthwhile and long-term attractive alternative to traditional call money accounts.

“Discover the exclusive world of investment colored gemstones with the German Gemstone House – your trusted partner for exquisite and valuable gemstone investments. Whether you want to diversify your portfolio or are looking for a unique addition to your investment alongside gold, Deutsche Edelsteinhaus offers you a carefully selected collection of rubies, sapphires, emeralds and much more. All our gemstones are of the highest quality and certified authenticity to guarantee you safety and potential for value appreciation.

Take the first step towards a bright future today and visit our website to learn more about our exclusive offers. Be enchanted by the beauty and variety of our colored gemstones and find the perfect piece that not only represents a valuable investment but will also last for generations.

Don’t miss the opportunity to become part of the fascinating world of colored gemstones. Contact Deutsche Edelsteinhaus today to learn more about your investment opportunities and how we can help you achieve your goals. Take the first step towards a safe, profitable and brilliant investment – ​​with the German Gemstone House.”

Oliver Kleimaier: German Gemstone House

10 points you should consider when investing in gemstones!

In this video, you will learn the crucial aspects to consider if you are planning to invest in colored gemstones.

Instagram

This error message is only visible to WordPress admins

Error: No feed with the ID 1 found.

Please go to the Instagram Feed settings page to create a feed.

Facebook

Diese Nachricht ist nur für Administratoren sichtbar.
Problem bei der Anzeige von Facebook-Beiträgen. Backup-Cache wird verwendet.
Klicken, um Fehler anzuzeigen
Fehler: (#200) Provide valid app ID Typ: OAuthException

Youtube

This error message is only visible to WordPress admins

Error 400: API key not valid. Please pass a valid API key..

Domain code: global
Reason code: badRequest

Error: No feed found with the ID 1.

Go to the All Feeds page and select an ID from an existing feed.

© COPYRIGHT 2025 Deutsches Edelsteinhaus DEH GmbH | Impressum | Datenschutz | AGB | Privatsphäre Einstellungen

DSGVO Cookie Consent mit Real Cookie Banner