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Indestata > Debt > Vaulted Review – Pros, Cons And Features
Debt

Vaulted Review – Pros, Cons And Features

TSP Staff By TSP Staff Last updated: November 20, 2025 15 Min Read
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Buy and Sell Gold and Silver with an App

Vaulted Gold is a silver and gold investment app that simplifies the purchase and holding of physical gold and silver investments. The process of buying physical gold and silver can be intimidating, especially for beginners. Vaulted.com lets you seamlessly buy and sell gold and silver. If you are considering delving into the glittery world of silver and gold investing, this Vaulted gold app review explains how to add these commodities to your investments with just $5.

Contents

  • Buy and Sell Gold and Silver with an App
  • What is the Vaulted Gold App?
  • Top Features
  • How Does Vaulted Work?
    • Vaulted Gold and Silver Physical Delivery
  • Gold vs. S & P 500 Prices – 10 Years
  • Who is Vaulted Best For?
  • Gold Price vs Dow Jones Industrial Average – 30 years.
  • Gold vs. Stock Market
  • Vaulted App Fees and Minimum Investment
  • Is Vaulted Gold and Silver Safe?
    • Where is Vaulted Gold and Silver Stored?
  • Pros and Cons of Investing in Gold and Silver
    • Pros
    • Cons
  • FAQ
  • Vaulted Alternatives
  • Vaulted Review Wrap Up – Is Vaulted Legit?
    • Related

This article may contain affiliate links which means that – at zero cost to you – I might earn a commission if you sign up or buy through the affiliate link.

What is the Vaulted Gold App?

Vaulted allows you to invest in physical gold bullion and silver with ease with the Vaulted Gold app and your smartphone. Or use the Vaulted.com website.

  • Download the Vaulted App, available for iOS and android, or visit the Vaulted.com website.
  • Create a Vaulted account.
  • Link your bank account or transfer money via wire. International investors are welcome!
  • Visit the buy and sell tab and place your order.
  • Choose to store your metals in secure vaults or request physical delivery

Gold is stored at the Royal Canadian Mint, while silver is held at HSBC Bank, both offering top-tier security.

Top Features

Overview One-stop shop to buy, store, and sell physical gold and silver for low fees.
Features Gold bullion and Silver stored with Vaulted is fully insured.
Mobile app’s user interface is simple, smooth, and stylish.
No need for a large amount of capital; you can buy fractional ownership of a kilo-bar.
Minimum $5*
Fees Gold: 1.8% per transaction; 0.40% annual storage maintenance fee.
Silver: 3.0% per transaction; 0.60% annual storage maintenance fee.
Contact Phone – Monday – Friday 8am – 5pm MST
Email – 24/7
Trained advisors can help with any questions.
Website Check out Vaulted Now
Vaulted Silver and Gold App Features

*Investment minimum not listed on website, data obtained from Tyler, in customer service.

How Does Vaulted Work?

Vaulted signup is quick and easy.

  1. Enter your email, set a password, and provide basic info
  2. Confirm your email and log in
  3. Fund your account via wire or securely link your bank using Plaid
  4. Once the cash is transferred to your Vaulted account, you can buy gold and silver.

Vaulted offers:

  • 99.9% pure gold kilo bars, certified conflict-free by the Royal Canadian Mint
  • 1,000 oz silver bars, stamped with serial numbers and LBMA-approved refiner marks

Set up automatic deposits to purchase gold and silver through the VaultPlan.

Vaulted Gold and Silver Physical Delivery

Request physical gold or silver at any time. If funded via ACH, expect a 60-day wait. Shipping, handling, and insurance fees apply. Note: Storage is only available in the U.S.

Contact Vaulted to arrange for shipping.

Gold vs. S & P 500 Prices – 10 Years

Source: Vaulted.com

Who is Vaulted Best For?

Vaulted is ideal for investors who want a low-fee, streamlined option for buying and selling gold and silver.

  • Beginner investors wanting to start small with precious metals.
  • Investors seeking physical gold ownership without storage hassles
  • Those concerned about dealer trustworthiness, seeking low fees.
  • Younger investors attracted to mobile-first platforms Anyone wanting fractional ownership of kilo bars
  • Investors with a diversified stock and bond portfolio may want to add gold and silver for added diversification.
  • Gold and silver holdings in Vaulted.com could preserve your wealth while fighting against inflationary pressures.

Physical gold and silver via Vaulted could be a good investment choice during inflationary periods. An inflationary environment, such as the one we recently experienced, devalues cash and can create economic instability, making physical gold appealing as a safe haven storage of wealth.

Silver buyers seeking value might be interested in Vaulted. Silver is in high industrial demand and an important element in batteries, semiconductors, solar panels and medical technology.

Check Out Vaulted App

Gold Price vs Dow Jones Industrial Average – 30 years.

gold vs stock market - 30 year chart

Source: https://www.macrotrends.net/2608/gold-price-vs-stock-market-100-year-chart

Gold vs. Stock Market

The price movement and correlation between gold, silver and the DOW and S&P 500 varies across time.

The gold vs DOW stock market chart above shows the past 30 year performance of both asset prices.

Over 30 years:

  • Gold grew 967%
  • DOW grew 826%

During the prior 30 years, the DOW outperformed gold until 2008.

Gold was the price growth winner between 2008 and 2014.

From 2014 to August 2025, the DOW resumed it’s ascent and remained the winner until August, 2025.

By November 2025, gold overtook the DOW to claim the 30 year winning spot.

The past year gold experienced a price explosion of 57.11% growth and silver soared roughly 66%. While one year growth of the S&P 500 was approximately 13.9%. (As of November 11, 2025).

The stock vs gold charts above demonstrate the varying correlations and returns of gold and stocks. This data illustrates the value of owning diverse assets in an investment portfolio.

Vaulted App Fees and Minimum Investment

Vaulted fees and minimums are transparent and clearly indicated on the website.

  • Gold: 1.8% per transaction; 0.40% annual storage maintenance fee.
  • Silver: 3.0% per transaction; 0.60% annual storage maintenance fee.
  • Investment minimum: $5

You can opt out of the annual storage fee if you have the gold shipped to you, but fees apply.

Vaulted’s fees are lower than most competitors, who charge 3–15% per transaction. However, gold ETFs like SPDR Gold Trust may offer commission-free trades through brokerages.

Is Vaulted Gold and Silver Safe?

Vaulted is a trademark of McAlvany Financial Group, established in 1972. This full-service brokerage firm is among the longest continuing gold brokerage firms in the U.S. according to the Vaulted website.

When you buy gold or silver with the Vauted app, you’re buying a fraction of, or a complete physical serial-numbered bar. Your holdings are never combined and cannot be allocated to another. Your precious metals are annually audited to verify the accuracy of serial numbers, purity and weight.

The app follows industry best practices for data security, encryption, back ups and precise data access procedures. Cybersecurity is regularly examined and reviewed by 3rd party experts.

The Royal Canadian Mint and HSBC are safe and provide insurance for all of your holdings. Unlike cash and financial assets owned through banks or brokerage accounts, Vaulted gold and silver are not insured by the FDIC or by the SIPC.

Invest in Gold & Silver – Vaulted App

Where is Vaulted Gold and Silver Stored?

Vaulted gold is stored at the Royal Canadian Mint, and is highly secure and insurance-backed. The Royal Canadian Mint is a maximum-security vault and is fully insured against damage as well as loss and backed by the Canadian government.

Vaulted silver is stored in the vaults of HSBC Bank. HSBC Bank is insured and a well-regarded global vault for gold and silver.

Pros and Cons of Investing in Gold and Silver

Pros

  • Gold and silver maintain value over time.
  • Vaulted gold and silver is easy to buy and sell.
  • Fees are typically lower than competitors.
  • Fractional ownership available.
  • Both gold and silver are less correlated with stocks and bonds, minimizing investment price volatility.
  • Silver is currently undervalued.

Cons

  • Transaction fees higher than precious metals and gold ETFs.
  • Gold and silver delivery is expensive.
  • As with all investment assets, gold and silver prices can decline, as well as increase.
  • Precious metals do not pay dividends. Profits are delivered through price appreciation and losses are not offset with dividend cash flow.

FAQ

Is physical gold worth buying?

Precious metals play an important role in portfolio diversification, and gold ranks among the most liquid precious metals. While physical gold costs more than gold-exposed instruments like ETFs and mining stocks, many investors believe that gold without physical delivery potential isn’t true gold investing.

Traditionally, buying gold through vendors required extensive research and time. Vaulted eliminates this friction for investors who prefer physical gold ownership.

What is the safest way to invest in gold?

Gold investing carries risks including fraud and inaccurate appraisals. Vaulted mitigates these risks by:
– Storing gold in highly secure, insured vaults at the Royal Canadian Mint
– Providing transparent serial number tracking
– Offering institutional-grade security for retail investors
– Maintaining full insurance coverage on all holdings
Vaulted ranks among the safest options for gold investment, particularly for those seeking physical metal ownership.

What is the best way to invest in gold?

No single “best” method exists for gold investing—if one did, everyone would use it exclusively.

Common ways to invest in gold, includes buying physical gold, buying shares in a company that sells gold, and buying a gold ETF.

Each approach offers distinct advantages. Physical gold provides tangible asset ownership and inflation protection, while ETFs offer convenience and lower transaction costs.

Should beginners buy gold and silver?

If you’re seeking portfolio diversification and low cost entry into precious metals, beginners might benefit from buying gold and silver assets. Vaulted is an easy way for beginners to buy fractional ownership of gold and silver bars.

Beginners should understand that gold and silver don’t pay dividends, so you’ll own gold and silver as a hedge against inflation and store of value. Although, gold and silver typically maintains or increases in value.

Beginners might buy gold to add another asset class along with stocks and bonds, to increase diversification and reduce their portfolio’s losses, during a stock market decline.

Invest in Gold & Silver – Vaulted App

Vaulted Alternatives

Vaulted alternatives include investing in gold in a fund or buying from a precious metals dealer, online or in person.

Gold ETFs include:

  • iShares Gold (IAU)
  • GranitShares Gold (SGOL)
  • SPDR Gold Trust (GLD)
  • Sprott Physical Gold Trust (PHYS)

Vaulted Review Wrap Up – Is Vaulted Legit?

Yes, Vaulted is legit. Our comprehensive Vaulted Gold and Silver review confirms it’s a secure, streamlined and affordable platform to buy and sell gold and silver. With low transaction fees and annual maintenance fees (for storage) within the world of gold investing, Vaulted is worth consideration. The company is clearly marketing to younger generations, as evidenced by its technology focus and its low minimum investment. The Vaulted pricing model, with a $5 minimum investment amount, and marketing focus points to younger, cash-strapped, beginner investors. Although, anyone who wants to dip their toe into the gold market, and believes in the value of physical gold and silver might give the app a try.

In conclusion is that Vaulted is for someone who wishes to buy gold and silver in physical form and is worried about possible untrustworthy dealers. Vaulted handles the entire process including security, storage and insurance. Moreover, Vaulted is good for those who want to reserve the right for physical delivery. Beginning gold and silver investors, without the capital to buy an entire kilo bar themselves can buy fractional ownership of gold and silver bars. We believe that Vaulted is a legit and reputable method to buy, sell and store physical gold and silver.

Investing with Vaulted is hassle-free. After sign up, and linking your bank you’re ready to invest in reputable gold and silver investments.

Ready to start investing in gold and silver? Visit Vaulted to open your account with just $5.

Related

  • 10 Best Alternative Investments Right Now
  • Pros and Cons Of Investing In Physical Gold
  • Checkbook IRA – Ultimate Guide To A Self-Directed IRA
  • Speculative Investments – What Percent Should I Invest In?
  • Best Inverse ETFs That Short The Market

Read the full article here

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