In a time when faith in traditional cash wobbles like a leaf in the wind, stashing your wealth in treasures like gold and silver shines as a savvy move.
If you’re considering investing in metals, you’ll want a reliable partner for this journey. Hard Assets Alliance (HAA) is an option many people consider.
In this Hart Assets Alliance review, I’ll examine what makes HAA stand out, including its easy-to-use online tools and strong safety features. I’ll also see if they’re a good choice for setting up a gold investment retirement account (IRA).
What is Hart Assets Alliance?
Hard Assets Alliance is a notable investment company that was started in 2010 in the United States. Its user-friendly platform helps people easily invest in precious metals like gold, silver, platinum, and palladium.
The company was created by Ed D’Agostino, Derek Notman, and Ryan Giffin. These founders aimed to provide a reliable platform where people could invest in real physical metals.
The main focus of HAA is to allow people to buy, sell, and manage their precious metal investments. They ensure that when you buy metals like gold, they are reserved under your name, giving you security, especially during tough economic times.
One of their popular offerings is the gold IRA, which is similar to a typical retirement account but for investing in metals. This can help save for the future with potential tax benefits similar to regular IRAs.
HAA handles over $2.5 billion in assets and prioritizes top-notch service with a client-centered approach. They work closely with Gold Bullion International in New York to enhance service quality.
Additionally, HAA has an app that you can download from the Apple App Store or Google Play Store. The app lets you manage your investments at any time. The minimum amount to start investing is $1,000, plus additional shipping and storage costs.
How Does Hard Assets Alliance Work?
Hard Assets Alliance is a platform for investing in gold and silver, mixing new technology with old investment ways. It’s more than just buying gold online. HAA offers a full solution for investing in these metals, focusing on being safe, easy to use, and flexible.
Digital Investment Platform
HAA works all day and night, letting clients handle their investments anytime. It’s easy to buy, sell, and manage your metals, and you always get the best prices because wholesalers bid for your business.
HAA helps with more than just trading metals. They support:
- Tax-Advantaged Investing: Putting metals in an IRA for tax benefits.
- Estate Planning and Gifting: Using metals in trusts or for gifts to minors.
- Business Accounts: Businesses can keep gold as an asset.
- Automatic Investments: Helps buy metals regularly to save and diversify.
HAA, with over $2 billion in assets and 100,000+ investors, is trusted for its secure, real, and deliverable metal investments. It offers a safe choice compared to stocks or bonds.
Why Choose Hard Assets Alliance?
If you’ve had trouble buying precious metals online before, Hard Assets Alliance aims to make the process easier and more reliable.
Here are some key reasons why HAA is a great choice:
- Real Assets Only: With HAA, you’re investing in actual physical assets, not just a piece of paper, so there’s no risk of your investment not being real.
- Clear and Open: Your investment with HAA is safe and checked by others, so you know your precious metals are kept securely, and you can always check on them or ask for them to be delivered to you.
- Simple and Secure: The platform is designed to remove the stress and confusion of owning precious metals. Starting, adding money to your account, and choosing your investments are all easy and safe.
- Fair and Competitive Prices: HAA has made it possible to trade physical gold and other precious metals in a way that makes sure you’re getting a good price.
- Safe Storage: Your metals are kept in highly secure storage spots, making it easy to sell them like stocks or bonds without problems with ETFs.
Hard Assets Alliance was created by experienced investment professionals who wanted to make investing in gold and precious metals better and easier.
This makes HAA a top choice not just for individual investors but also for big investment managers worldwide, making it easier to include real, physical precious metals in your investments.
What Products Does Hard Assets Alliance Offer?
This section will show you the investment options available through Hard Assets Alliance. HAA makes buying gold easy and accessible, whether you’ve invested before or are new to this world.
Gold
Hard Assets Alliance offers a variety of gold products for people looking to invest. For starters, you can buy gold bars and coins.
One of the simplest options is a 1 oz gold bar, priced at about $2,100. For those wanting to invest more heavily, there are larger bars like the 400 oz, 1 kg, and 10 oz gold bars.
HAA offers popular choices at good prices for gold coins. The American Eagle coin is a favorite among investors and costs $229.
Other coins available include the Canadian Maple Leaf, South African Krugerrand, American Buffalo, and Austrian Philharmonic. These coins are known for their beauty and trustworthiness in the gold market.
HAA has gold bars and coins approved for IRA savings for those thinking about their future. These items meet the rules for retirement accounts, making them a smart choice for saving gold in a tax-smart way.
HAA also lets you invest in gold without having to hold it physically. They offer gold-backed securities like ETFs, mutual funds, and other options. This is great for investors looking for a simple way to get into gold.
Silver
Hard Assets Alliance has a good selection of silver for people who want to invest in it, with options that fit small and big spending plans.
They sell big silver bars, like the 100 oz bar that costs $2,565, which works well for those wanting to invest a lot.
For those who like coins, there are famous ones like the American Eagle, Canadian Maple Leaf, and Austrian Philharmonic.
Each has a unique design and story, making it interesting to own. For example, you can get a 1 oz Canadian Maple Leaf for $32.32 or an Austrian Philharmonic for $31.68, which is a little less.
They also have big packs, like the 500-oz American Eagle box for $18,106.70, which shows that there are options for buying silver in bulk.
Other choices include smaller bars, like a 10-oz bar for $301 or 1-oz rounds for $31.65, giving people many ways to start investing in silver.
Platinum
Platinum is a rare and valuable metal, making it a unique choice for investors. However, it’s not as easily found as gold or silver.
For those interested in buying platinum, bars are typically available. Hard Assets Alliance offers one main option: a 1-ounce platinum bar.
This bar is priced at around $1,041.16, although platinum’s general price might be about $1,105 per ounce. This price varies because platinum is very pure—almost 99.5% pure.
Palladium
Palladium is similar to platinum because it is rarely found in coins, but it’s common in 1-oz bars. Many people invest in or collect these bars because palladium is used in car engines to reduce pollution.
Even though palladium coins are hard to find, the bars are popular and usually cost about $1,013.47 for a 1 oz bar.
Vault Service
Hard Assets Alliance picked some of the best vault companies like Brinks, Loomis, and Malca-Amit. They are known all over the world for keeping things safe.
Storage Costs and How They Charge You
The storage costs are really simple. Gold, platinum, and palladium charge 0.7% of the annual value. Silver charges are a little higher, 0.8% per year.
If your account has a lot of value, they may charge you even less. They ask for at least $5 monthly for each account, but this fee is not asked if you use their MetalStream service. They bill you every three months, so keeping track is easy.
Lots of Places to Store
You can choose from some key places around the world to store your metals:
- New York
- Zurich
- London
- Salt Lake City
- Singapore
Hard Assets Alliance offers a great service for people who buy gold bars, coins, and other precious metals. They keep your investments safe in the best vaults that are not in banks. And if you want, they can send your metals to you.
Types of Accounts Offered by Hard Assets Alliance
In this part, I’ll examine the different account options Hard Assets Alliance offers to investors. It’s important for anyone thinking of investing or already doing so to understand what kinds of accounts they can choose from.
1. SMARTMETALS
With the SMARTMETALS account, you can easily buy and sell gold and silver online, just like shopping or bank transactions, but at a low cost. You’ll be part of over 100,000 investors who trust them to keep their investments safe.
Whether you’re saving for a big purchase or just want to secure your future, this account lets you add or withdraw money whenever you want without any hassle.
2. PRECIOUS METALS IRA
Unlock a smarter way to save with a precious metals IRA from Hard Assets Alliance. They offer tax advantages, allowing one to invest in physical gold and save more.
When they adjust their investments within their IRA, there are no immediate taxes, giving them a chance to increase their gold holdings efficiently and protect their savings.
Their process is straightforward and secure, enabling easy management of the IRA. They’ve partnered with Equity Trust, a trusted custodian, for added reliability.
Whether it’s a Traditional, Roth, SEP, or SIMPLE IRA, they help customers grow their funds tax-free until withdrawal.
3. METLSTREAM
With this smart account, you can invest a little bit of money, like $25, every month. It’s all automatic, so you save time and slowly collect gold or silver.
You don’t have to stick around forever – start or stop any time you like without extra costs. Just sign up, connect your bank, pick your precious metal, and you’re good to go.
Your savings grow over time, and once you have enough, you get a full gold or silver coin or bar stored safely for you without paying more.
4. CORPORATE TREASURY
Protect your business money by buying gold with Hard Assets Alliance. It’s easy for all types of businesses – big, small, or even for those managing their own retirement funds (checkbook IRA).
Their system makes it simple for any company, like LLCs, corporations, partnerships, or individuals working alone, to start buying precious metals.
You can open an account for your business, move money in or out when needed, and always know how their gold is doing with daily updates and monthly summaries.
5. ESTATE AND TRUST
Protect your family’s future by choosing their estate and trust services. With their options, you can pass on gold, a valuable asset, to your loved ones at no extra fee.
You can pick from Trusts, UTMAs, or company accounts to keep these assets safe. By setting up a Trust, you keep complete control, setting the rules on how and when to manage the assets.
How to Get Started with Hard Assets Alliance
Starting with Hard Assets Alliance is easy and quick. Here’s how to do it in three steps:
- Open an Account: First, sign up for an account by filling out a short form. You can pick the type of account that suits you best, like a personal, retirement, trust, or business account. You can also set a time to talk to someone if you want help.
- Add Money: You need to put money into your account before you can start buying. It’s easy to do with a bank transfer, wire, or check.
- Buy and Grow: After you log into the Hard Assets Alliance app, you can start buying or selling. You can do this safely anytime, day or night.
The Hard Assets Alliance also has a FREE GUIDE that talks about the good things about adding gold to your investments, like possibly making more money and not having as many ups and downs.
Also, think about how much money you have to invest and what kind of investing you’re interested in, such as:
- Easy ownership with options to have your metals delivered to you or kept safe.
- Saving on taxes by using a retirement account that includes precious metals.
- Special account setups for your business or family trust needs.
- Setting up automatic investing so you can slowly build up what you own over time.
Whether you’re new to this or already know a lot about precious metals, Hard Assets Alliance has everything you need to get going.
Hard Assets Alliance’s Mobile App
The Hard Assets Alliance Mobile App offers a convenient way to buy, sell, store, and deliver physical precious metals 24/7.
Designed for ease and security, it features biometric access and secure encryption and allows for investments in the world’s most guarded vaults.
Available on Android, iPhone, or iPad, it simplifies managing precious metals investments with confidence and privacy.
What is the Hard Assets Alliance Affiliate Program?
The Hard Assets Alliance Affiliate Program lets partners earn money by recommending a service where people can invest in precious metals like gold and silver easily and at a low cost.
It’s great for influencers or website owners looking to help their followers or visitors find a safe way to buy and store these metals in vaults around the world.
They can even get these metals delivered to them. With over $25 billion in assets from clients, the program offers different account options, including for retirement or business needs.
This program is perfect for those wanting to guide their audience in making smart, secure investments in precious metals.
Customer Reviews and Ratings for Hard Assets Alliance
To help guide your decision, I’ve gathered insights from a variety of customer reviews and ratings, providing a comprehensive view of the service and reliability offered by the Hard Assets Alliance.
Trustpilot Ratings:
- Reviews Count: 83 reviews
- Average Score: 4.5 out of 5 stars
Better Business Bureau Ratings:
- Grade: B-
- Customer Score: 1 out of 5 stars from reviews
A Complaint to Note
One customer had trouble getting their money back. They sent everything Hard Assets Alliance asked for to prove who they were, like checks and bank papers, but the company kept saying things didn’t match up. The customer tried for over a week but still couldn’t get their money.
A One-Star Review Story
A different customer says that they put over $19,000 into Hard Assets Alliance. They bought some big silver bars, but when they tried to pay with more money from their bank, something went wrong.
Right when the price of silver jumped up, HAA said there was a ‘tech problem,’ and their money was stuck in limbo for days. The customer feels tricked because sales went through quickly, but buying more takes a long time.
In the end, they sold their silver bars back, paid a storage fee, and got help from HAA staff to take their money out. They believe this delay made them lose a lot of money because of the silver prices going up.
What are Customers Saying About HAA?
Customers are really happy with Hard Assets Alliance, especially with the economic challenges we’re facing globally.
- Byron K. believes it’s essential to own gold and silver and recommends HAA for smart investing.
- Tom M. likes how he can use small amounts of money to slowly add to his investments in gold and silver, with the option to store them in Singapore and New York.
- Patrick B. praises HAA’s customer support for being helpful and quick to respond.
- Fred K. had a smooth experience using HAA to buy metals, finding the prices fair and the process easy.
- Gene K. values the security of the HAA platform and the flexibility to store and trade on it, highlighting how important it is for him to not leave too much money in banks.
These testimonials show that customers trust and feel secure using HAA for their investment needs.
Pros and Cons of Hard Assets Alliance
Explore the advantages and drawbacks of investing with Hard Assets Alliance, a firm specializing in precious metals.
Pros:
- Invest any time: You can buy precious metals any day, any time, which is super convenient.
- Ships Worldwide: They can send precious metals to many countries, making it easy for people everywhere to use their services.
- Fair Prices and IRA Options: Their prices for metals are pretty good, and they also have options if you want to include precious metals in your retirement savings. Unless you’re in New York, you don’t have to spend a minimum amount to start investing.
Cons:
- Some Unhappy Customers: There have been some complaints from people who weren’t happy with their service, which could make potential new customers think twice.
Is Hard Assets Alliance a Legitimate Company?
Yes, Hard Assets Alliance is one of the real online gold companies that invests in precious metals like gold, silver, platinum, and palladium.
This company is good for both beginners and experienced investors looking to add precious metals to their investment mix.
If you’re thinking about including these metals in your portfolio, HAA is a solid choice. However, it’s smart to look into it yourself and maybe talk to a financial advisor to make sure it fits your investment plans.
Conclusion
In summary, the review shows that the company is focused on offering good investment plans. They work hard to manage investments well and to help their customers.
It’s clear that Hart Assets Alliance works to give investors good results and advice that fits their needs. With a focus on innovation and customer-centric solutions, HAA stands out for its commitment to transparency and ethical investing.