Investing in gold always seemed complicated, but my experience with Vaulted changed that.
In this review, I’ll share how this platform made gold accessible and straightforward for me, from buying to secure storage.
If you want to feel confident about your next move, keep this review close as you decide what’s best for your financial future.
Table of Contents
- 1 What is Vaulted?
- 2 How Does Vaulted Work?
- 3 What is VaultPlan?
- 4 Vaulted Storage and Security
- 5 Is Vaulted Gold Safe?
- 6 Top Features of Vaulted
- 7 Fees and Costs of Vaulted
- 8 Risks at Vaulted: What You Need to Know
- 9 Alternatives to Vaulted for Buying Gold
- 10 Customer Reviews and Ratings for Vaulted
- 11 Pros and Cons of Vaulted
- 12 Is Vaulted a Legitimate Company?
- 13 Conclusion
What is Vaulted?
Vaulted represents an innovative approach to gold investment, operated by McAlvany Financial Group, a company that has established itself since the inception of gold investments in the United States.
The platform provides sophisticated tools and expert guidance to ensure your gold investments remain secure and strategically sound.
McAlvany established their presence in 1972, recognizing the need to help investors protect their wealth through gold, particularly during periods of economic uncertainty.
Their track record speaks volumes, having facilitated over $3 billion in precious metals transactions. Vaulted emerges as their modern solution to maintain reliability and accessibility in gold investment.
The McAlvany team has earned recognition for their expertise in precious metals. Responding to evolving market dynamics, they developed Vaulted as a solution. The platform combines expert guidance with advanced security features for your investment journey.
McAlvany’s team members personally utilize Vaulted for their gold transactions, endorsing it as the most cost-effective and efficient method for precious metals ownership.
Vaulted exclusively deals with 99.99% pure gold bars from the Royal Canadian Mint, focusing on fundamental value rather than numismatic collections, making it ideal for straightforward investment strategies.
The platform offers seamless accessibility through mobile and desktop interfaces, designed with user-friendly features that accommodate both novice and experienced investors.
Vaulted effectively combines traditional investment wisdom with modern technology, offering expert-backed solutions that simplify gold investment for interested parties.
How Does Vaulted Work?
Vaulted streamlines the gold investment process through user-friendly mobile applications and web platforms, accommodating investors across experience levels.
Starting with the Company
Account creation follows a straightforward process. You simply provide basic personal information and link your banking details to begin.
The platform supports convenient funding options through bank transfers or Plaid integration, ensuring secure financial connections.
Buying and Selling Gold
Once funded, your account enables immediate gold transactions. Vaulted maintains transparent pricing structures that closely track market rates.
The selling process mirrors this simplicity, offering fair market values promptly. Their consistent approach builds trust through reliable execution.
Getting Your Gold
Vaulted offers physical delivery options for investors preferring tangible assets. They provide pure gold bars manufactured by the Royal Canadian Mint.
Bank transfer purchases require a 60-day holding period before delivery, with additional shipping costs. The ability to possess physical gold adds a unique dimension to your investment.
For fractional holdings, Vaulted facilitates appropriate divisions. They manage all technical aspects, including serial number tracking, ensuring complete transaction security.
Vaulted eliminates common investment complexities. Whether establishing regular investment schedules through automated deposits or maintaining gold as a portfolio component, the platform merits consideration.
The platform transforms gold investment into an accessible and engaging experience, particularly appealing to investors who value the physical possession of their assets.
Physical Delivery of Gold and Silver at Vaulted
Vaulted provides home delivery services for gold and silver investments. For complete gold kilo bars (32.1507 troy ounces), coordination with your Vaulted advisor ensures delivery with matching serial numbers.
Smaller denominations available include 1/10-ounce Gold American Eagles, 1-ounce Gold Canadian Maples, and 10-ounce gold bars.
Silver delivery follows similar protocols, though 1,000 oz bars require alternative arrangements due to practical constraints. Smaller units like 1-oz coins or 10-oz bars remain available.
Delivery requests are processed anytime, subject to a 60-day waiting period for ACH transfer purchases. Services remain limited to USA destinations.
Gold kilo bar delivery costs approximately $275, covering comprehensive handling, shipping, and insurance services. Vaulted’s insurance coverage protects against transit losses, ensuring investment security.
What is VaultPlan?
VaultPlan simplifies precious metals investment through automated purchases of gold or silver. You have the flexibility to schedule acquisitions monthly or bi-weekly, with options to adjust your investment amount and frequency according to your preferences.
Why Use VaultPlan?
VaultPlan eliminates the guesswork from timing your precious metals purchases through dollar-cost averaging strategies.
This investment approach distributes your purchases across periods, reducing price volatility impact while building your savings systematically.
Simply determine your preferred investment amount per paycheck, and VaultPlan handles the automatic transfers seamlessly.
How Do You Start a VaultPlan?
Setting up VaultPlan involves three straightforward steps:
- Pick an Amount: Select your desired transfer amount from your bank account to your Vaulted account for precious metals purchases.
- Choose How Often and When to Start: Determine your preferred frequency – monthly or bi-weekly – and select your start date.
- Submit: Once configured, your funds automatically transfer to your precious metals balance during market hours according to your specified schedule.
Through automation of precious metals investing, VaultPlan provides an effortless approach to building your portfolio while supporting your long-term financial objectives.
Vaulted Storage and Security
Vaulted ensures maximum security for your gold investments through storage at the Royal Canadian Mint, representing premier safekeeping standards.
The Royal Canadian Mint provides superior security compared to private vaults, typically at more competitive rates. With governmental backing, comprehensive insurance coverage protects against potential theft or damage.
The facility maintains state-of-the-art surveillance systems and round-the-clock security personnel. Your investment receives full insurance protection for complete peace of mind.
Your ownership rights remain exclusively yours. Even during unexpected circumstances affecting Vaulted, your gold remains untouchable without your explicit authorization.
Vaulted prioritizes investment security through a partnership with the Royal Canadian Mint, combining exceptional protection and governmental support while maintaining complete control over assets.
Is Vaulted Gold Safe?
For those considering Vaulted for gold investments, security measures appear robust. Vaulted operates under McAlvany Financial Group’s umbrella, known for managing ICA, an established U.S. precious metals dealer with extensive industry experience.
Regarding asset protection, Vaulted stores gold holdings at the Royal Canadian Mint, renowned for superior security protocols. Your investments benefit from comprehensive insurance coverage against potential loss or theft.
The Vaulted platform implements advanced security measures, including strong encryption protocols and multiple safety mechanisms, while maintaining strict data privacy standards.
While investments lack FDIC or SIPC protection unlike traditional bank accounts, the Mint provides exceptional security infrastructure.
Vaulted maintains transparency regarding fee structures – charging 1.8% for buying or selling gold and 0.4% annual storage fees.
Like any investment vehicle, certain risks exist. However, secure storage and insurance coverage provide significant investor protection.
Vaulted emphasizes investor autonomy – your gold remains protected from unauthorized transactions even during potential company difficulties.
The platform’s comprehensive security measures demonstrate a commitment to protecting investments while maintaining accessibility and simplicity.
For investors seeking precious metals portfolio diversification, Vaulted presents a secure and reliable investment option.
Top Features of Vaulted
Vaulted stands out as a user-friendly platform for gold investing, making it accessible to investors of all levels.
Here are the key features that make it noteworthy:
1. Easy-to-Use Mobile App
The Vaulted app streamlines the process of buying, storing, and selling gold through its intuitive interface. Users can manage their gold investments efficiently from any location, making it convenient for both tech-savvy and novice investors.
2. Affordable Fees
Vaulted maintains competitive pricing with a straightforward 1.8% fee for gold transactions and a minimal annual fee of 0.4%.
These rates prove more economical compared to many alternatives, allowing investors to maximize their gold investment potential.
3. No Need to be Rich to Start
Accessibility stands as a core feature, with no minimum investment requirement. This approach opens gold investing opportunities to individuals starting with modest amounts, making precious metal investment achievable for everyone.
4. Super Safe Storage
Security remains paramount with Vaulted’s storage solution at the Royal Canadian Mint’s vault. The fully insured storage system protects investments against damage or theft, providing essential peace of mind for investors.
The combination of user-friendly technology, competitive fees, accessible entry points, and secure storage creates a comprehensive platform for gold investment enthusiasts.
Fees and Costs of Vaulted
Vaulted maintains transparency with its fee structure, offering clear information about associated costs:
- Transaction Fee: A 1.8% fee applies to all gold purchases and sales, calculated from the total transaction amount.
- Annual Fee for Storing Gold: Storage at the Royal Canadian Mint incurs a 0.4% yearly fee. This fee becomes optional for investors who choose physical delivery of at least one ounce of gold.
- Minimum Amount to Start: The $10 minimum investment requirement makes gold investing accessible to beginners.
The platform caters to both newcomers and experienced investors, providing a straightforward approach to gold investment without complex fee structures.
More About the Fees
The 1.8% transaction fee applies directly to the total amount of each purchase or sale. For instance, a $1,000 gold purchase includes an $18 fee. Physical gold delivery only includes standard shipping costs, with no additional charges from Vaulted.
The annual storage fee is split into two payments, collected in January and July, and deducted from available cash or gold holdings in your account.
Are Vaulted’s Fees Fair?
Comparing Vaulted’s fee structure to industry standards reveals competitive pricing. The 1.8% transaction fee and 0.4% storage fee position Vaulted as an economical choice among gold investment platforms.
Vaulted emerges as a cost-effective solution for gold investment, combining reasonable fees with accessible entry points.
The platform’s straightforward approach and competitive pricing structure make it an attractive option for individuals interested in precious metal investments.
Risks at Vaulted: What You Need to Know
Understanding the risks and security measures at Vaulted helps you make informed decisions about your investments. Here’s what you should know:
Could Someone Steal Your Data?
Vaulted implements comprehensive security measures to protect your information:
- Advanced security protocols safeguard your private data.
- Complete encryption of all stored information.
- Multiple secure data backup locations.
- Strict access control protocols.
- Regular security audits by renowned firms like PricewaterhouseCoopers.
For enhanced protection, they recommend enabling multi-factor authentication as an additional security layer.
What if Something Big Goes Wrong?
Rest assured, Vaulted maintains secure backup records of all transactions. Your right to sell or request delivery of metals remains protected regardless of circumstances.
What if the App Stops Working or Gets Attacked by Hackers?
Multiple secure backups of transaction histories ensure your investments and metals remain protected against technical failures or cyber-attacks.
What if Vaulted Shuts Down?
Operating since 1972, the company demonstrates stability and reliability. Your metals remain separately secured and protected even in unlikely business disruptions.
What if the Places Storing the Gold or Silver Have Trouble?
Both the Royal Canadian Mint and HSBC maintain strict protocols ensuring your precious metals remain secure. Insurance coverage and segregated storage protect your assets regardless of vault operator challenges.
What Happens if Your Gold or Silver is Lost, Stolen, or Damaged?
Storage facilities maintain comprehensive agreements for replacement or compensation if metals are compromised. Vaulted ensures prompt resolution for metal replacement or monetary compensation.
Alternatives to Vaulted for Buying Gold
When evaluating alternatives to Vaulted, consider factors like costs, platform usability, and service quality.
JM Bullion
JM Bullion excels as a premier online precious metals retailer. They prioritize transparent pricing, market updates, and superior customer support through their user-friendly platform.
- Specializes in physical metal delivery.
- Secure storage options through TDS Vaults.
- Eliminates home storage concerns.
- Transparent pricing structure and promotional offers.
Goldmoney
Goldmoney Inc. leads online gold-based investing, offering secure methods to buy, sell, hold, and profit from precious metals globally.
They combine gold’s stability with modern technology for portfolio diversification:
- Multiple precious metal investment options.
- Global vault network.
- 0.5% purchase fee with variable storage costs.
- Offers Goldmoney card but a complex interface for beginners.
APMEX
American Precious Metals Exchange provides extensive precious metal options. They excel in educational resources, competitive pricing, and customer service.
- Diverse metal and numismatic selections.
- Collector-friendly options.
- Volume-based discounts.
- Secure storage through Citadel.
- Premium products may affect investment returns.
BullionVault
BullionVault revolutionizes online precious metal trading by connecting users with professional markets for optimal investment opportunities.
- Initial 0.5% fee with competitive 0.12% annual storage.
- Multiple secure storage locations.
- Daily market updates and continuous trading.
- Traditional interface without mobile functionality.
Your choice among online precious metal dealers depends on specific investment priorities. While Vaulted offers competitive fees and reliable storage, each alternative presents unique advantages and limitations. Consider your investment goals carefully when selecting a platform.
Customer Reviews and Ratings for Vaulted
Vaulted demonstrates varying performance levels across different app platforms. The app has achieved over 10,000 downloads on Google Play, maintaining a moderate rating of 4.6 out of 5 from 450 reviews, indicating mixed user satisfaction.
The Apple Store presents a notably different picture, where Vaulted maintains an impressive 4.8 out of 5 stars from 699 reviews, suggesting a potentially better iOS experience or higher satisfaction among Apple users.
Users appreciate the platform’s efficient approach to savings, offering gold investments with minimal fees and quick liquidation options. Many value its role as a secure savings alternative, particularly during economic uncertainty.
The platform’s 50-year history and knowledgeable advisors contribute to user trust, while the ability to accumulate gold gradually appeals to many investors.
However, some users report challenges with unexpected gold transactions and delayed customer support responses, leading to frustration and confusion regarding their investments.
What Are Customers Saying About the Company?
Customers and specialists are all praising Vaulted for its innovative way of investing in gold.
- Andrew Boyd likes how Vaulted lets people own real gold without dealing with its storage.
- Jim Wang, who founded Best Wallet Hacks, mentions how easy it is to set up an account, connect a bank, and buy or sell gold with just a click.
- Finance writer Christy Rakoczy says that Vaulted makes buying gold as simple as ordering a pizza while also being safe and affordable.
- Rachel Green, a finance expert, suggests Vaulted for anyone wanting to save in gold, protect their finances, and add variety to their investments.
Overall, Vaulted is known for making gold investment easy and stress-free.
Pros and Cons of Vaulted
Vaulted offers a modern approach to gold investment, presenting distinct advantages and limitations for potential investors.
Pros:
- Minimal Entry Barrier: Starting with just $10 makes gold investment accessible to most individuals.
- User-Friendly Interface: The platform offers seamless navigation comparable to common online shopping experiences.
- Secure Storage: Gold storage at the Royal Canadian Mint provides insurance and security assurance.
- Competitive Pricing: Transaction fees (1.8%) and annual storage fees (0.4%) remain relatively low.
- Transparency: A clear fee structure eliminates concerns about hidden costs.
- Efficient Liquidation: Quick and simple process for converting gold holdings to cash.
- Automated Investment: VaultPlan enables systematic monthly gold transactions without active management.
Cons:
- Limited Investment Options: The platform exclusively focuses on gold investments.
- Internet Dependency: Platform accessibility requires consistent internet connectivity.
- Geographic Concentration: Canadian storage location presents potential geopolitical risks.
- Initial Learning Curve: New investors might find gold investment concepts challenging initially.
Regarding investment considerations, gold traditionally serves as a value-preservation tool, particularly against severe economic challenges like hyperinflation.
The platform’s 1.8% transaction fee for buying and selling exceeds some alternatives. Physical gold delivery involves substantial additional costs, potentially impacting investment returns.
Investment success with Vaulted largely depends on alignment with personal financial objectives and investment strategies.
Is Vaulted a Legitimate Company?
Vaulted presents itself as a credible gold investment platform, offering competitive fees for gold purchases and storage services.
Their commitment to younger investors shows through their low $10 minimum investment requirement, demonstrating an understanding of entry-level investor needs.
The platform maintains user-friendly features suitable for newcomers to gold investment. Vaulted represents a viable option for individuals seeking gold market exposure.
Conclusion
Vaulted proves particularly suitable for investors seeking physical gold ownership without concerns about vendor reliability or storage security.
The platform effectively serves investors unable to purchase substantial gold quantities independently. Account setup requires simple bank account linking through their application, enabling immediate gold investment access.
Vaulted successfully simplifies gold investment processes, providing secure and accessible options for diverse investor groups.