While diamonds do some things better than gold and silver, there are also limitations.  Here are two traditional problems with diamonds—that fortunately can now be overcome.

1. The diamond market is built for jewelry buyers, not investors.

Unlike gold and silver bullions which can be purchased on efficient markets suitable for investors, diamonds are traditionally sold through physical jewelry stores or (these days) online etailers. These sources include significant markups above wholesale cost.

Even worse, the traditional market has no efficient mechanism for liquidation of diamond assets.

Between the two, it means a diamond “investor” might lose 50% or more of value, simply between buying and selling. By contrast, a real estate investor might lose 5% – 7% on a broker fee, which is higher than gold, but still acceptable. Buy/sell spreads of 50% or more are unacceptable to most investment buyers.

2. Diamonds can suffer from inconsistent quality and grading practices.

Unlike ounces of gold, diamonds are generally all different. This is one reason there is so much inefficiency in the buy/sell process.

Many have heard of the “Four C’s” of diamond grading (color, clarity, carat-weight, and cut-quality). And reputable grading labs such as the Gemological Institute of America have made significant progress turning diamonds into something more like a commodity.

But diamonds aren’t there yet. Non-expert buyers (and few investors are diamond experts) will find a minefield of issues with respect to diamond quality grading. Here’s the short version: the grading labs’ level of quality control and consistency is arguably good enough for jewelry buyers, but investors should have zero tolerance for inaccuracy, and even the GIA is not always accurate.

Equally concerning, there are factors that affect the value of a diamond (obscure things like “graining”) that aren’t even accounted for, in the four C’s. This is why it’s an axiom in the diamond industry that a diamond can “read well” in terms of the four C’s, but look awful in reality. That will hurt re-sale value.

Our Customers Keep Returning

They understand the value we offer. Our Reviews are proof.

I’ve been investing with Tom Cloud since 1999. Tom’s service & advice has been a tremendous blessing to me and my family. The assests that I’ve purchased have grown more than 300% during a time the broader stock market is still down from its highs in 2000 & 2008. I count Tom amongst the finest business men I’ve ever worked with, he’s demonstrated strong integrity & wisdom over the 13 years we’ve worked together.

J.H., CA

My husband & I were referred to Tom by a Ministry that we fully support & trust. Six years ago, our stock portfolio was not appreciating at all. Since that time we have averaged over 20% per year on his recommendations. The things we like the best are his integrity, fast responses, candid assessments & especially how quick out products arrive.

R.C., FL

I have valued Tom’s advice for over 27 years. As an MD, I have to work with people that i can trust as so many people try to reach me. He has continually provided honest staright forward information & very fair prices. He has helped me in other areas besides his expertise that has also been invaluable. Even when metals were flat he would never try to get me buy more and would give me honest assessment of the market. Thanks to Tom Cloud, my retirement account has more than tripled. I would highly recommend him to anyone.

B.M., TX

My working relationship with Tom Cloud & Cloud Resources Group, Inc. has spanned a 20 year period. The service & business relationship has always been one upmost priority. Tom is always very well-informed & knowledgeable about the current market situation and his customer service is exceptional. Anytime I have ever needed a re-sale of assets, Tom has always been quick and efficient in completing the process at a very honest & fair price. I trust Tom Cloud without hesitation because our relationship over the past 20 years has proven one of confidentiality, efficiency and honest business.

L.E., GA

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