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Vaulted — Features, Benefits, and Drawbacks

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Vaulted — Features, Benefits, and Drawbacks
Vaulted Gold is an app that makes buying and holding physical gold and silver simple. It lets you buy and sell bullion through your phone or the Vaulted.com website, with a low entry point (just $5). Gold bought through Vaulted is stored at the Royal Canadian Mint and silver is stored at HSBC, both offering high security and insurance.

Signing up is quick. You can set up automatic deposits with the VaultPlan, or request physical delivery of your metals at any time. If you fund a delivery via ACH, expect about a 60-day wait; shipping, handling, and insurance fees apply, and storage is available only in the U.S. Contact Vaulted to arrange shipping.

Vaulted’s fees and minimums are clear on the website. You can avoid the annual storage fee by having your metals shipped to you, though delivery fees still apply. Vaulted’s transaction fees are generally lower than many competitors, though gold ETFs may be traded commission-free through some brokerages.

When you buy through Vaulted, you own a fraction of—or a whole—serial-numbered physical bar. Holdings are never commingled and are audited yearly to confirm serial numbers, purity, and weight. The app uses standard industry measures for data security, encryption, backups, and restricted access, and its cybersecurity practices are reviewed by third parties. Note that Vaulted holdings are not covered by FDIC or SIPC insurance.

Physical gold is often seen as a hedge against inflation and a way to diversify a portfolio. Silver also attracts buyers because of strong industrial demand in batteries, semiconductors, solar panels, and medical technology. Historical price relationships between gold, silver, and major stock indices change over time; for example, recent annual returns cited show large gains for gold and silver compared with stocks, illustrating the benefit of holding different asset types.

Vaulted traces back to McAlvany Financial Group, founded in 1972, and positions itself as a lower-cost, tech-forward option for retail investors. The platform reduces the friction of buying physical metals—no need to research dealers or arrange secure storage yourself. Vaulted mitigates common risks like fraud and inaccurate appraisals by using secure, insured vaults, transparent serial-number tracking, institutional-grade security practices, and full insurance coverage on holdings.

There’s no single best way to invest in gold. Options include owning physical metal, buying shares of mining companies, or investing in gold ETFs. Physical bullion offers tangible ownership and inflation protection, while ETFs can be cheaper and more convenient. Vaulted may appeal to beginners and smaller investors who want fractional ownership, the option of physical delivery, and a straightforward, low-cost path into precious metals. After signing up and linking your bank account, you can start investing in gold and silver through the app.