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Vaulted: An Evaluation of Features, Benefits, and Limitations

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Vaulted: An Evaluation of Features, Benefits, and Limitations
Vaulted Gold is an app that simplifies buying and holding physical gold and silver. It lets you buy and sell precious metals easily through the app or website, and you can start with just $5. Gold is stored at the Royal Canadian Mint and silver at HSBC, both offering high-security storage and insurance.

You can set up automatic deposits with VaultPlan, or request physical delivery at any time. If you fund a delivery via ACH, expect about a 60-day wait; shipping, handling and insurance fees apply. Storage options are U.S.-based only, and Vaulted handles shipping arrangements on request.

Vaulted’s fees and minimums are clearly listed on the site. You can avoid the annual storage fee by choosing shipment, though shipping costs will still apply. Vaulted’s fees are generally lower than many competitors, though gold ETFs can offer commission-free trading through some brokerages.

When you buy through Vaulted, you own a fraction of—or an entire—serial-numbered physical bar. Holdings aren’t pooled or reallocated; they’re audited yearly to confirm serial numbers, purity and weight. The app uses industry-standard security measures and undergoes third-party cybersecurity reviews. Note that holdings are insured by the vaults but are not covered by the FDIC or SIPC.

Vaulted is a trademark of McAlvany Financial Group, a full-service brokerage founded in 1972 and one of the longest-running gold brokers in the U.S.

Precious metals can help diversify a portfolio. Physical gold is among the most liquid metals, and while owning physical metal usually costs more than ETFs or mining stocks, many investors prefer the option of physical possession. Vaulted removes much of the hassle that traditionally comes with buying physical gold.

Buying gold carries risks such as fraud and appraisal errors. Vaulted addresses these by using secure, insured vaults, tracking serial numbers, offering institutional-grade security, and maintaining full insurance on holdings. It’s a strong choice for investors who want verified physical ownership and the option of delivery.

There’s no single best way to invest in gold—options include physical bullion, shares in mining companies, and ETFs—each with its own pros and cons. Vaulted is well suited for beginners who want low-cost, fractional ownership of physical gold and silver and for anyone who values secure storage and the option of taking delivery. Remember that gold and silver do not pay dividends and their prices can fall; investing always carries risk and past performance is no guarantee of future results.

After signing up and linking your bank account, you can begin buying gold and silver through the app.