Why earn interest on gold and silver?
If you’re short on time or simply prefer to watch instead of read, check out our video series that explains our product offerings. These videos feature presentations from our CEO, Keith Weiner and other team members explaining the who, what, why and how of Monetary Metals.
A yield on gold, paid in gold?
How is Monetary Metals able to pay interest on gold and silver?
We pay interest on gold and silver by connecting our clients with businesses that use gold productively – any company with physical gold or silver as inventory or work-in-progress. This includes jewelers, mints, precious metals dealers, refiners, recyclers, and mining companies.
We provide qualified businesses Gold Financing, Simplified™. They happily pay a fee to lease or borrow the gold & silver they require in their business. We take a small percentage of what they pay and the rest is distributed to our clients.
What interest rate can I expect to earn?
Historically, Monetary Metals’ leases have paid between 2% – 5% net annual to investors. The weighted average rate of return in our lease program currently hovers between 3% and 4%. This rate of return is denominated in ounces and paid in ounces. For example, 100oz earning 3% every year, will generate 3oz in gold income, annually. Gold bonds, which are securities, offer higher yields, from 6% to 19%. on our recent offering). Gold bonds are available to accredited investors only.
Does Monetary Metals also pay interest on silver?
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Yes. We offer silver leases and bonds in addition to gold leases and bonds. Clients can open an account, hold a silver balance, and earn interest in silver in that account.
Does Monetary Metals offer compound interest?
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Yes! The power of compounding interest comes from redeploying or reinvesting the interest earned. With Monetary Metals you can harness the power of compound interest with ounces of physical gold and silver. When you earn interest in our leases or bonds, you can reinvest that interest in other leases or bonds, enabling you to compound your total gold and silver holdings.
When and how is the interest paid?
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Most of our leases pay interest monthly, but some pay quarterly. Bond payments vary with the specific offering. Payment frequency is disclosed to clients before committing to an opportunity.
Generally, interest is paid in kind (silver interest for silver leases, gold interest for gold leases) and is deposited directly into the client’s account.
Clients can view their total interest earned amounts in their client portal, and on their monthly statements.
ZERO fees for storage or insurance? Seriously?!
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Yes. Seriously!
We do not charge any storage or insurance fees.
There is a cost to store and insure precious metals. But Monetary Metals is in the business of Unlocking the Productivity of Gold™ so we have a different business model than merely collecting fees on stored metals.
We make money by putting metal to work so our clients can earn more metal. In other words, we only make money when you make money. This creates a healthier alignment of incentives between company and client.
By providing complimentary storage and insurance on any undeployed metal, we are incentivized to bring attractive opportunities for our clients to earn interest on gold and silver and grow their total holdings.
What is the cost to buy or sell gold and silver with Monetary Metals?
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Monetary Metals sells or buys gold and silver at a spread to the London Fix price, or the spot price, depending on when the trade occurs. Below is a table of our spreads according to the volume of the transaction.
| Tier | Spread |
| Under $250k | 0.75% |
| $250k – $1 million | 0.55% |
| $1 million or more | 0.40% |
How does Monetary Metals stack up to other precious metals investments?
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The New Way to Hold Gold explores the conventional methods of holding gold and silver and illustrates how those methods compare to Monetary Metals. Download your free copy now.
What do your clients say about the program?
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We hear from our clients, often. They’re pleased to be free of storage fees, they like knowing that they’re making a difference in the world by putting their precious metals to work, and they especially enjoy earning interest on their gold and silver. Here are a few comments we’ve received recently:
“I love earning more gold and silver on my gold and silver holdings!” Stephen B, client since 2017
“I was pleasantly surprised to look at my MM account statement the other day and see that I had earned over 2 ounces of gold interest since I started out. It really works!” Chris G, client since 2018
“Monetary Metals has become an excellent financing solution for our company. We’re proud to participate in a program which is working globally to remonetize precious metals, and we’re also gratified to be paying lease fees to precious metals investors rather than paying interest to bankers!” Stefan Gleason, President, Money Metals Exchange
“My, how interesting to see the precious metals come into focus recently. I am so proud to be associated with you folks.” Georgia B, client since 2019
“With just a small amount of paperwork, we’re on our way to a much better diversified portfolio. We are excited about our gold earning additional ounces. As a result, we sleep much better at night.” Sandi S, client since 2020
“Monetary Metals provides GBI a cost effective and reliable source of inventory financing for our exciting line of luxury gold jewelry.” Marc Scher, President, Gold Bullion International
Are there any reviews of Monetary Metals?
Yes! You can find reviews of us on third-party sites like Bullion.Directory. Or we also have a BBB profile (Better Business Bureau) with an A+ rating.
Opening a Monetary Metals account
What is the minimum amount to open an account?
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The minimum to open an account is 10 ounces of gold, or 1,000 ounces of silver, or the USD equivalent.
How do I open an account?
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You can begin the process here: Open your account. Or if you prefer to talk to a Monetary Metals team member, schedule a call at a convenient time for you.
How long does it take to open an account?
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It takes anywhere between 10-15 minutes to complete the required steps to open an account. You can start the process here.
Once you complete all required steps, your account is typically opened within 24 hours. You can complete the entire process online.
What is required to open an account?
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To open an account, you’ll need to:
– provide a photo ID if you are a US citizen; for non-US citizens, a copy of a valid government-issued ID and a supplementary document may be required.
– complete a W-9 (or a W8BEN or W8BEN-E for foreign account holders).
– complete the Monetary Metals Account Agreement and Opt-Out Lease Agreement.
You can get started, here.
If you prefer to talk to a Monetary Metals team member, you can schedule a call at a convenient time for you.
How do I fund an account?
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You can fund an account by either purchasing metal through us, or by sending in metal you already own. We accept all major bullion products when funding a Monetary Metals account.
We have clients across the globe, and can accept precious metals in many vaults around the world, not just in the US.
For metals being shipped from a residential address in the United States, we provide complimentary shipping and insurance and will send you a pre-paid shipping label.
For metals being shipped from a vault, or outside the United States, please contact a Relationship Manager for more information.
How do I withdraw metal from my account?
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Clients can initiate a partial or full withdrawal of any metal not actively earning in a lease or bond by completing a one-page form. Metal can be sold for cash, redeemed for physical delivery, or shipped to a different storage account.
Metal that is actively on lease must wait for the lease to mature before it can be withdrawn.
If the lease account is in the name of a trust, who needs to sign the documents?
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The answer depends on the trust formation documents, which one of our team members can review for you.
You can begin the process to open an account, here.
If you prefer to talk to a Monetary Metals team member, just schedule a call that suits your timeframe.
What type of gold and silver do I own in a Monetary Metals account?
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Monetary Metals uses allocated pool for all metal balances, and interest payments.
This is the most liquid, efficient, and marketable form of physical ownership, and it perfectly suits the business purposes of putting gold and silver to work for you.
When clients want to withdraw, they can liquidate their metal for cash, or they can convert their metal into specific bullion products for delivery.
Do I have to be an accredited investor?
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No. You do not need to be an accredited investor to open an account and participate in our leasing program. If you want to participate in our gold bond offerings, then yes, you must be an accredited investor. Accredited investors are defined based on wealth and income thresholds, as well as other measures of financial sophistication. To qualify as accredited, you only need to meet one criterion (wealth, income, or professional) not all of them.
Financial Criteria
– Net worth over $1 million, excluding primary residence (individually or with spouse or partner).
– Income over $200,000 (individually) or $300,000 (with spouse or partner) in each of the prior two years, and reasonably expect the same for the current year.
Professional Criteria
– Investment professionals in good standing holding the general securities representative license (Series 7), the investment adviser representative license (Series 65), or the private securities offerings representative license (Series 82).
– Any “family client” of a “family office” that qualifies as an accredited investor.
Leasing gold and silver
How many leases has Monetary Metals completed?
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We’ve funded over 56 leases since our start in 2016. You can view previously funded offerings on this page.
If the price of gold goes up while my metal is in a lease, do I still get the price gain?
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Yes. You own the metal, whether it’s on lease or not.
If the dollar price of gold doubles, then the dollar value of your gold doubles as well. If the dollar price of gold falls, then the dollar value of your gold in the lease falls.
Monetary Metals is focused on one thing – enabling you to grow your total ounces of gold. Leasing gold provides provides a unique way for clients to express a long gold investment thesis, while earning income on that position for the duration of the holding period.
What happens to my gold when a lease is over?
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In most cases, you can choose to continue leasing your metal for another year or have it returned to your account.
If the Lessee chooses not to roll the lease for another year, your metal will be returned to your account.
Is there a lockup on my metal?
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There is no lockup on any metal that is not actively earning interest in a lease.
For metal that is actively earning interest in a lease, it cannot be withdrawn until the lease matures. Lease durations are typically 12 months or less.
Does Monetary Metals carry insurance on my metal?
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We require all vaults and depositories where metal is stored to have insurance. We also require each lessee to insure metal on lease and list Monetary Metals as the loss payee on the insurance certificate.
We have an additional policy through a leading global insurer based out of the UK that is used to cover some, but not all, of our leases, as deemed necessary. Insurance coverage for each lease is disclosed in the individual Lease Presentation for clients to review.
Can a lessee sell my leased gold or silver?
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No.
The lease is used to finance their inventory. Although inventory is purchased and sold, the lessee must ensure that the full amount of gold in a Monetary Metals lease is present and accounted for at all times. If the lessee wants to sell some inventory on lease, then they must buy replacement metal first.
For example, there is a 1,000 oz gold lease to a bullion dealer and the dealer has all 1,000 oz gold as coins in his inventory. His customer orders 50 oz of 1oz gold eagles. The dealer uses the customer’s funds to buy 50 gold Eagles first (the replacement amount), bringing the total inventory count up to 1,050 oz. At this point, the dealer can fulfill his customer’s order, shipping out 50 gold eagles. This brings the inventory count back down to 1,000 oz. However, the dealer stays compliant with the Monteary Metals lease as the gold in inventory never fell below 1,000 oz.
What kind of companies do you lease to?
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We lease to businesses that use gold and silver productively, as work-in-progress or inventory. For example, jewelers, mints, precious metals dealers, refiners, recyclers, or mining companies.
They happily pay a fee to lease the gold and silver required by their business. Our lease financing eliminates the price risk present in traditional bank financing and protects their margins.
Miscellaneous
How does Monetary Metals make money?
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Monetary Metals earns revenue by making a market between owners of gold and silver and businesses that have a financing need in gold and silver. Revenue is earned by covering an interest rate spread on each financing transaction, whether a lease or bond.
This spread comes from the interest rate on the transaction. For example, let’s say Monetary Metals brings “Acme Lease A” to its clients. Acme is paying 5.5% to lease gold from Monetary Metals, and clients in the lease are earning 3% on their gold in the lease. The 2.5% difference is what Monetary Metals earns in revenue for bringing the lease to its marketplace.
Where does Monetary Metals store my gold & silver?
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Monetary Metals works with multiple best-in-class depositories and vaulting institutions throughout the world.
However, Monetary Metals is not a storage company. We use our network of storage providers to facilitate our gold yield products which put metal to work to earn you a return denominated and paid in ounces.
Can I buy gold and silver for delivery from Monetary Metals?
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