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Vaulted Gold is an app and website that makes buying and holding physical gold and silver simple. It’s designed for beginners, letting you buy and sell precious metals easily and start investing with just $5.
Gold purchased through Vaulted is stored at the Royal Canadian Mint and silver is stored with HSBC, both of which provide high security and insurance. You can set up automatic deposits through VaultPlan, or request physical delivery of your metal; deliveries funded by ACH may take about 60 days and incur shipping, handling, and insurance fees. Vaulted’s signup process is quick and straightforward.
The app aims to offer a low-cost, streamlined way to own physical metals. Physical gold and silver can serve as a hedge during inflationary periods and add diversification to a portfolio. Silver may also attract investors because of its industrial uses in batteries, semiconductors, solar panels, and medical technology.
Historical price data show that the relationship between precious metals and stock indices changes over time. Over the past few decades, the Dow outperformed gold until 2008, gold led from 2008 to 2014, and the Dow regained ground afterward. Recent data show large one-year gains for precious metals compared with stocks, illustrating why holding a mix of assets can be valuable.
Vaulted’s fees and minimums are transparent on its website. You can avoid the annual storage fee by arranging to have your metal shipped, though shipping fees still apply. Vaulted’s transaction costs are lower than many competitors that charge 3–15% per transaction, though gold ETFs may offer commission-free trading through some brokerages.
Vaulted is operated by McAlvany Financial Group, founded in 1972. When you buy gold or silver through the app, you own a fraction of—or a whole—serial-numbered physical bar. Holdings are never commingled and are audited annually to confirm serial numbers, purity, and weight. The platform follows industry best practices for data security, with regular third-party cybersecurity reviews. Note that Vaulted holdings are not covered by FDIC or SIPC insurance, but the storage facilities themselves carry insurance backed by their institutions.
Physical gold typically costs more than gold ETFs or mining stocks, but many investors prefer owning physical metal for its tangibility and potential for delivery. Vaulted reduces common risks of physical-gold investing by using secure, insured vaults; tracking serial numbers; and offering institutional-grade security and full insurance on holdings.
There’s no single best way to invest in gold. Options include buying physical metal, buying stock in companies that mine or sell gold, or investing in gold ETFs. Each approach has trade-offs: physical metal offers tangible ownership, while ETFs provide convenience and lower transaction costs.
Vaulted is a straightforward option for beginners who want fractional ownership of physical bars without dealing with dealers or storage concerns. Keep in mind that gold and silver don’t pay dividends; they’re typically held as stores of value and for portfolio diversification. For investors worried about unreliable dealers or those who want the option of physical delivery, Vaulted handles storage, security, and insurance and presents a legitimate, reputable way to buy, sell, and store physical gold and silver.
Getting started is simple: sign up, link your bank account, and you can begin investing in gold and silver.
