About HoldValue: how we make content and who writes it

HoldValue is an independent education site that does one thing: explain, in plain language, how ordinary people can resist inflation and hold on to the money they have. We are not an exchange or an issuer of any asset, and we never operate an account for anyone. Below is what we do, what we don't, how we edit and update, and who writes here.

What we do

  • Explain in plain language what gold, silver, foreign currency, short-term government bonds and bitcoin each protect against, and what they don't.
  • Give you judgement steps, comparison tables and risk limits you can check for yourself.
  • Write honestly about the limits of each tool, and about when to stop.
  • Point you to credible official and public sources so you can verify things yourself.

What we don't

  • Recommend stocks or coins, give buy and sell points, or promise any return.
  • Collect, process or ask you to submit any sensitive account information.
  • Impersonate any official body, or use "exclusive channel / insider deal" sales talk.
  • Rush you to act. Understanding things clearly comes first.

How we edit and update

More than telling a good story, we care about whether you can check what we say. HoldValue's editorial principles, sourcing standards, corrections process and update rhythm are written up separately in our editorial policy. In short:

  • Sources favour official and public data. For things that change, such as fees, taxes and regional availability, we always write "as shown on the official pages", rather than fixing them as permanent rules.
  • We fix errors when we find them. If you spot a mistake, email us. Important corrections carry an update note in the article.
  • Only real updates move the date. We only change the "last updated" time when the content has genuinely changed, never editing the date to fake activity.
  • Interests are disclosed. How this site makes money and how referral links work is set out in our disclosure.

About the author · Shen Yan

Shen Yan grew up in a place where the local currency ran with high inflation, watching the family savings grow thinner year after year. The same amount of money bought less and less. That feeling of "we didn't waste anything, yet we keep getting poorer" is where he began to study preserving value seriously.

Shen Yan is not a trader, and he does not make predictions. Over the years he has been drawn to a plain question: with the limited money ordinary people have, which methods actually lose the least to inflation and volatility. He has been down plenty of wrong turns himself, and he has watched people around him put survival money into high-risk bets because they "heard it was a sure thing". So on HoldValue, his habit is to set out the risks and the cases where a tool does not apply first, and only then talk about how to do it.

His job is to put tools like gold, foreign currency, government bonds and bitcoin into language ordinary people can judge, and to be honest about the limits of each. Wherever an article touches specific rules or figures, it points to a source you can verify. Please do not take just one side of the story.

Updated 2026-06-17. This page explains the site's purpose, how we edit and update, and the author's background. Specific product rules, fees and regional availability are as shown on the relevant official pages. The content here is for education only and is not investment, tax or legal advice. See the risk notice and our privacy notice.

Contact us

For corrections, suggestions or partnership, email [email protected]. We read every message, but we do not give personal investment advice, and we will never ask you for any account information.