Hi there icytalk, I would recommend to invest your money in a trustworthy company which will never bring you down. There are lots of ICO out there which based their coin into crypto itself, but unlike KARATBANK which based their crypto on the gold itself. Each coin represents a certain weight of gold and can at all times be exchanged into physical gold in the form of CashGold. And just like other crypto you can exchange all of your karat currency into other crypto or fiat money like dollar. If you are interested you can find more information at their website, just click the below link after this post.