Tim Valores

Financial Advisor and Head of Sales

Financial Advisor and Investment Specialist

Scutum d.o.o.

Independent Financial Advisor

NLB d.d.

Personal Finance Advisor

Zlate naložbe, premoženjsko svetovanje, Peter Herman s.p.

Independent Financial Advisor,

Planet 9, d.o.o.

Regional Sales and Marketing Manager

Žurnal media d.o.o.

Regional Sales manager

Gorenje d.d.

- Student work
- Working conditions and relations analysis in individual plants at Gorenje, dd; 
- Working conditions report and labor relations

HR Analyst

👉🏻 Sem finančni svetovalec, avtor, predavatelj in oče 2 otrok.
💡 Pomagam vam finance razumeti na način, da jih boste dobro vnovčili pri investiranju in upravljanju osebnih financ.
❓ Kako: Brezplačen finančni posvet v živo ali Zoom: https://bit.ly/3RXd7lv 
🚀 E-mail: peter.herman@valores.si
🍿 Finančni pogled Peter Herman-newsletter: https://bit.ly/3vzJoYz 

🤝 Dodatno o meni:
- 16+ let prakse na področju financ (plemenite kovine, banka, vzajemni skladi, zavarovalništvo,...)
- 3 finančne licence
- družinski človek in športnik
- iskalec ravnovesja v življenju

Sodelujmo dolgoročno!
__________________________________________________________________________________________________
(ENG)
👉🏻 I am a financial advisor, author, lecturer, and father of 2 children.

💡 My mission is to demystify finances, empowering you to make informed decisions that maximize your investments and personal financial management.

🚀 Feel free to reach out: send a message on DM or at: peter.herman@valores.si

🍿 Subscribe to my financial insights newsletter:  https://www.linkedin.com/newsletters/finan%C4%8Dni-pogled-peter-herman-6894948519137161216/  

🤝 Additional about me:
- 16+ years of diverse finance experience (including precious metals, banking, mutual funds, - insurance,...)
- Holder of 3 financial licenses
- Dedicated family man and athlete
- Committed to achieving life balance

Let's work together long-term.

🚨 Since 2007, major currencies have lost ~85% of their purchasing power relative to #gold.

#USD, #EUR, #GBP, #JPY and other major currencies have drastically lost value compared to gold since 2007 – on average around 85% of purchasing power.

Why does this matter?
 • Money held in currency loses value over the long term.
 • Gold, on the other hand, preserves (and often increases) its purchasing power.
 • Central banks know this well – which is why they’ve become the largest net buyers of gold in recent years.

If you want to protect your wealth from currency debasement, gold (and other real assets) should be a key part of your long-term strategy.

Chart: Jesse Colombo

Peter Herman

Strategic Financial Advisor & Head of Sales @Tim Valores 💰 | Gold & Silver and Investment Diversification Expert 🏆 | Strategies for business owners and companies 📈 | Newsletter for Insights! | Let's Connect!

🔥 Do You See What’s Coming? #GoldFlows

👀 What you’re seeing here is 1-year rolling fund flows into GLD ETF (not physical gold). It tracks investor sentiment and capital movement in #gold ETFs.

📊 Today, after a prolonged period of outflows, inflows are turning positive again—currently at $1.03B. 

👉 History often rhymes, and markets are no exception. Looking at the chart, we see clear cycles of inflows and outflows:
- Large inflows tend to coincide with rate cuts, inflation fears, or market uncertainty.
- Large outflows often align with rising rates and risk-on sentiment.

💡 Cyclical patterns suggest that when the tide turns, #Gold and #Silver can experience strong upward momentum. Real assets matter in volatile markets, and timing can make a significant difference.

#Investing #Gold #Silver #Inflation #FederalReserve #Markets #Portfolio #Macro #WealthProtection

Chart: Koyfin

🚨 Nemška industrijska proizvodnja – šokantni padec

V avgustu 2025 je nemška industrijska proizvodnja padla na najnižjo raven od pandemije leta 2020. Padec je posledica zrušitve proizvodnje investicijskih dobrin, medtem ko je proizvodnja avtomobilov upadla za 20 % zaradi ustavljanja proizvodnje in prehoda na nove modele.

Kdo bi si mislil, da industrijska velesila ne more temeljiti zgolj na obnovljivih virih energije.🤦‍♂️ 

Glede na trenutni trend: Nemčija je v prostem padu in se približuje tretjemu zaporednemu letu recesije. Delno okrevanje je možno, a ne bo popolno.

Graf: Daniel Kral, Oxford Economics

💥 Here we are. #Silver just half a dollar away from $50.

Once that level breaks, the floodgates open.

#silver

🚨 From Tokyo to Gold: Capital Flight Reshaping the Financial World

In this edition:
 ✅ #Japan: Nikkei 225 surged past 47,000 (+3.4% in a single day). Expectations of additional fiscal stimulus triggered a strong capital inflow.
 ✅ #Capital Flows: Part moves into Japanese equities, part into the U.S. dollar, and increasing amounts into gold – a global hedge against systemic risks.
 ✅ #Gold: Approaching the psychological $4,000/oz level – a signal of declining trust in fiat currencies.
 ✅ #Silver: Around $48/oz, still below historical real peaks – seen by many as the most undervalued strategic asset.
 ✅ U.S. Gold Reserves: Now worth over $1 trillion.
 ✅ This Year: Platinum, silver, and gold are the clear winners in returns (YTD: +70%, +58%, +43%).

📌 Key Message: 2025 confirms the shift toward real assets. 
Paper #money is losing credibility, while gold and silver take the lead in wealth protection.

#Gold #Silver #Investing #Macro #SafeHaven #Markets #Bonds #Supercycle #WealthProtection

View newsletter: Financial View: News & Invest

Welcome to the newsletter, where I help you navigate the world of finance, investments, and precious metals. But that’s not all – I also focus on opti

Open article: From Tokyo to Gold: The Capital Flight Reshaping the Financial World  by Peter Herman • 4 min read

From Tokyo to Gold: The Capital Flight Reshaping the Financial World

#Gold is now outperforming the Nasdaq over the last 5 years.

💡 And is just the beggining.

5-Yr Performance:
🟠 GOLD +112%
🔵 NASDAQ +98%

Source: Geiger Capital

🚨 #Commodity "Battles" Reloaded – When Confidence Turns to #Gold
Geopolitical Shock:

👉 In this week’s Financial View Peter Herman:
✅ Donald Trump canceled his meeting with President Xi and imposed a 100% tariff on Chinese goods after Beijing restricted rare-earth exports.
🔥 The Pentagon launched a $1 billion plan to secure strategic minerals.
📉 Global markets lost trillions in value due to a simple misunderstanding?
💪 #Gold broke above $4,000 per ounce, hashtag#Silver above $51 — both record highs.
📈 Gold has beaten the S&P 500 (ex-dividends) over 1-, 5-, 10-, and 25-year periods.
💰 The illusion of growth disappears when measured in gold instead of dollars.
Gold Outperforms Real Estate:
📊 How the trade war became a global resource war.

#Gold #Silver #Investing #Markets #Commodities #Geopolitics #WealthProtection #Macro

🔺 I help entrepreneurs and professionals protect and optimize their wealth when paper loses its value.

Open article: Commodities Battles Reloaded: When Confidence Turns to Gold by Peter Herman • 5 min read

Commodities Battles Reloaded: When Confidence Turns to Gold

#Silver has reached 45 dollars, but there’s still not much talk about it.

Great.🙂

🚨 Cena srebra se nahaja pri 46 $/oz in je v izrazitem bikovskem trendu. 

S tem se nevarno približuje 50 $/oz, kar je zgodovinska meja iz preteklih dveh vrhov (1980 in 2011).

💡 Menim, da bo tokrat srebro v bikovskem ciklu močno preseglo preteklo rekordno vrednost. 

#srebro #cenasrebra

🚨 Cena #zlata že dolgo beži naprej, večina vlagateljev v ETF skladih pa je začela ukrepati šele sedaj.

Zakaj? Ker čakajo na množico, namesto da bi razumeli signale pravočasno.

💡 Pravočasno spoznavanje signalov ni poceni – lahko vas stane velikega premoženja in izgubljenih priložnosti.

👉 Osebno lahko priporočim pravočasni finančni posvet in seznanitev z finančnim dogajanjem- primer: Finančni pogled Peter Herman.

Graf: Zerohedge

#Zlato kot vodilni signal: nova surovinska superciklična rotacija v teku?

Na spodnjem grafu vidimo primerjavo gibanja cene zlata in surovinskega indeksa od sredine 90. let do danes. V zadnjem obdobju je zlato odločno preseglo ostale surovine – kar pogosto napoveduje širši premik na celotnem trgu realnih sredstev.

Ključne ugotovitve:
✅ Zlato vodi igro – zgodovinsko velja kot zgodnji indikator za začetek večjega premika v surovinah.
✅ Ostale surovine še capljajo zadaj, kar nakazuje na potencialni preboj, ko se zlatu pridružijo tudi industrijske kovine, energenti, kmetijski pridelki.
✅ Šibak dolar, makroekonomska tveganja, zmanjšana kapitalska vlaganja (capex) in ozka ponudba skupaj ustvarjajo okolje, ki tradicionalno spodbuja rast surovinskih trgov.

💡 Zakaj je to pomembno?
- Če se zgodovina ponovi, smo trenutno na začetku novega supercikla realnih sredstev.
 - #Zlato je neonski znak – opozorilo, da se investicijska pozornost premika iz papirnatih v otipljiva sredstva.
  
Potek:
👉 “Zlato najprej. Srebro sledi. Rudarji eksplodirajo. Surovine eksplodirajo.”
 
Če verjamete v ta ciklični vzorec, rotacija v realna sredstva se je že začela – vprašanje ni če, ampak kdaj jo boste ujeli.

#surovine #zlato #realnasredstva

📖 Pomagam vam finance razumeti na način, da jih boste dobro unovčili pri investiranju in upravljanju osebnih financ
❓ Kako: Priporočam kratek brezplačen posvet o vaših željah in izzivih.

Graf: Topdown Charts, LSEG

BREAKING: Ray Dalio says 2025 is like the 1970s and investors should "hold more #gold than usual."

Open article: Ray Dalio says today is like the early 1970s and investors should hold more gold than usual by cnbc.com

Ray Dalio says today is like the early 1970s and investors should hold more gold than usual

👌 #Gold, just sound money doing its thing.

Ronald-Peter Stoeferle, CMT, CFTe, MSTA

⚠ V financah velja, da je vedno dobro premisliti svoje odločitve in komu verjeti... Koliko znamo izkoristiti lastno "kmečko", razumsko logiko?

👇 Članek iz leta 2022 ugledne novinarske hiše Wall Street Journal je napovedoval, da je #zlato izgubilo status varnega zatočišča. A če pogledamo današnji graf, vidimo popolnoma drugačno zgodbo in popolnoma zgrešeno medijsko objavo, ki je marsikoga odvrnila od nakupa.

✔ To je dober opomnik, kako pomembno je lastno finančno znanje, razumevanje dolgoročnih trendov in spremljanje več virov informacij – ne le dnevnih naslovnic.

💡 Finančna pismenost nam omogoča, da ločimo kratkoročni šum od dolgoročne slike. Ob različnih mnenjih finančnih inštitucij, medijev in posameznikov pa je ključnega pomena, da znamo sami razumsko premisliti – tudi s preprosto kmečko logiko – in sprejeti prave odločitve za svojo prihodnost.

📖 Bodite korak pred drugimi s svežimi finančnimi informacijami: https://lnkd.in/dQ4bWuqZ 

Slika: GoldSilverHQ

🔍 Why Rate Cuts Can Boost Precious Metals?

Markets may look strong on the surface, but underneath we’re seeing:
 ✅ Record-high stocks, housing, and cryptocurrencies
 ✅ Anticipated Fed rate cuts
 ✅ Rising bond yields and debt concerns
 ✅ Historically low allocation to #Gold and #Silver in global portfolios

In this week’s Financial View, I cover:
⚠ How rate cuts can act as rocket fuel for #Gold and #Silver
📊 Silver’s 1980 peak would equal ~$200 today, highlighting huge upside potential
💪 #Gold and #Silver miners are outperforming major indices
💰 Precious metals remain one of the most resilient hedges in this market cycle

#Investing #Gold #Silver #Inflation #FederalReserve #Markets #Portfolio #Macro #WealthProtection

🔺I help entrepreneurs and busy professionals protect and optimize their wealth.

Welcome to my newsletter, where I help you navigate the world of finance, investments, and precious metals. But that’s not all—I also focus on optimiz

Open article: Beneath the Surface: Gold and Silver as a Safe Haven Amid Market Records by Peter Herman • 3 min read

Beneath the Surface: Gold and Silver as a Safe Haven Amid Market Records

Why Precious Metals Are in the Spotlight: Gold & Silver 2025
Markets are showing record highs, but there’s more beneath the surface:
 ✅ Anticipated Fed rate cuts signal potential economic shifts
 ✅ #Stock, #housing, and #crypto markets remain highly volatile
 ✅ Capital flows into commodities are hitting record levels
 ✅ #Silver and #gold remain historically under-allocated in portfolios

In this week’s Financial View, I cover:
⚠ How Fed cuts could fuel further gains in #Gold and #Silver
📈 #Gold has surged +44% in 2025, the strongest annual gain since 1979
💎 #Silver is breaking key technical levels and moving toward historical highs
💰 #India and #China are shaping global supply dynamics, adding geopolitical influence

#Investing #Gold #Silver #Inflation #FederalReserve #Markets #Portfolio #Macro #WealthProtection

🔺 I help entrepreneurs and busy professionals protect and optimize their wealth.

Welcome to the latest edition of my newsletter, where I help you understand the world of finance, investments, and precious metals. Beyond that, I foc

Open article: Silver on the Rise: India and China Accelerate the Coming Supercycle by Peter Herman • 4 min read

Silver on the Rise: India and China Accelerate the Coming Supercycle

🚨 Measure your wealth in #gold, not paper.
 
👉 #Stocks have soared in dollars — but fallen in #gold. Real growth isn’t in numbers. It’s in purchasing power.

💡 As John Authers notes, “Denominate U.S. stocks in gold rather than dollars, and they’ve been in decline since the dot-com bubble burst 25 years ago. Stocks elsewhere have done even worse.” 

H/t: Mohamed A. El-Erian, Bloomberg

🚨 So that's the point? Beijing will not allow the export of #rare #earth #materials for use by foreign militaries, China’s Ministry of Commerce announced on Oct. 9.

👉 What this essentially means is that it will deny licenses to foreign militaries and companies that are producing military use end goods.

🤔 #Rare #earth #magnets are crucial components in U.S. weapons systems such as the F-35 warplane, Virginia and Columbia class submarines, Predator drones, Tomahawk missiles, radars, and the joint direct attack munition series of smart bombs.

💡 China dominates the global supply chain for rare earths. It controls 60% of mining and more than 90% of refining worldwide

Source:

Open article: How China's rare earth restrictions could disrupt the U.S. defense industry and reignite a trade war by cnbc.com

How China's rare earth restrictions could disrupt the U.S. defense industry and reignite a trade war

#Gold is going mainstream.💪

👉 43% of global fund managers say “Long Gold” is the most crowded trade, according to a BofA survey of 166 participants with $400 billion in assets.

Gold has reclaimed the lead after 3 consecutive months where “Long Magnificent 7” topped the list.

Interestingly, “Short US Dollar” has fallen 2-straight months, from 24% to 8%.

Meanwhile, 39% of professional investors from the survey do not own any gold in their portfolios.

💡 And still... The average investor's allocation to gold is just 2.4%, near an all-time low.

Is Wall Street set to join the #gold rally?


Source: BofA Global Fund Manager Survey, Kobeissi Letter

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