We charge a 0.8% premium over the wholesale market gold price.
Your buy price = Wholesale price + Premium
The 0.4% annual maintenance fee is billed on a semi-annual basis (every January & July). We have no minimum maintenance fee.
Learn MoreWe charge a 2.0% premium over the wholesale market silver price.
Your buy price = Wholesale price + Premium
The 0.6% annual maintenance fee is billed on a semi-annual basis (every January & July). We have no minimum maintenance fee.
Learn More“Spread” refers to the difference between the buying price (bid) and the selling price (ask). Compared to the stock market, spreads on precious metals tend to be quite large, particularly during periods of high demand. Vaulted investors do not need to worry about these issues. We cut out 70% of the traditional gold and silver supply chain, minimizing costs and shielding you from the volatility that retail investors often encounter.
In addition to wholesale spreads, retail investors often pay premiums and commissions (for example, a 1-oz silver coin might cost $30 even if the spot price is $25). Premiums can be anywhere from 5-15% on gold and 10-25% on silver. Vaulted guarantees a low, fixed premium over our wholesale aquisition cost, so your price is always transparent and predictable. Fewer people take a cut of your investment, so you get the best prices every time.
Taxes are another major cost of buying gold. Gold-backed ETFs and physical coins/bullion are taxed as collectibles in the United States, meaning they face a 28% long-term capital gains tax rate. Vaulted assets are subject to a different tax structure that may reduce your tax liability by 30-50%. Please connect with your Vaulted advisor for more details on the tax implications of your capital gains in Vaulted.
*All investors should consult a tax professional. This is not tax advice.
We are able to lower gold fees by using cutting-edge technology, eliminating unnecessary middlemen, keeping overhead costs low, and storing the gold bars directly at their manufacturer, the Royal Canadian Mint. We pass those efficiencies on to you.
Your gold is stored at the Royal Canadian Mint in Ottawa, Canada. The Mint is located at 320 Sussex Drive, Ottawa, Ontario K1A 0G8. We chose the RCM as our storage counterparty because of its excellent reputation and stringent security protocols.
Your silver is stored in the vaults of HSBC Bank in London. HSBC’s registered office is located at 8 Canada Square, London E14 5HQ, United Kingdom. HSBC is an undisputed leader in the industry that stands at the core of the LPMCL precious metals market, the world's largest and most liquid silver market.
The Royal Canadian Mint's vaults are supervised by security personnel and supported by state-of-the-art surveillance technology. All holdings are counted on a quarterly basis and audited annually by the Government of Canada’s Office of the Auditor General.
HSBC Bank offers the highest caliber vaulting services in the industry. The world’s largest gold-backed ETF stores its gold in HSBC’s London vaults, along with other large institutional investors and even some central banks.