PHYSICAL POSSESSION
Coins and bars delivered to you
Confirm product identification, delivery, insurance transfer, storage and the dealer’s resale acceptance terms.
Which charges apply to delivery and resale?
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CUSTODY GUIDE
Know what you own.
The same metal can be held through different legal and operational structures. Read the product agreement and the evidence that backs it.
ALLOCATED VAULT STORAGE
Specific bullion held under programme terms
Ask for title language, identification method, custodian, reconciliation, insurance scope and withdrawal terms.
Which exact records establish your interest?
POOLED OR UNALLOCATED ACCOUNT
A product-specific account entitlement
Read the agreement for legal nature of the claim, counterparty exposure, segregation, settlement and redemption terms.
What claim or right does the contract grant?
EXCHANGE-TRADED EXPOSURE
A security with its own structure
Review the prospectus or equivalent disclosure, market spread, annual expenses, benchmark, creation and redemption and product-specific risks.
Does the product permit personal physical redemption?
Evidence to request.
Ask for written terms and check the provider, vault operator, records, independent reconciliation, insurance, fees, delivery and exit. Terms can differ even within the same category.
- CFTC · Questions before buying physical metalsAccessed 6 November 2026
Advises readers to get the charges and buyback price in writing and ask about custody and insurance.
- Kitco · Allocated Storage FAQAccessed 6 November 2026
Kitco says specified bullion can be stored on a segregated and allocated basis under this product. Terms and eligible metals are programme-specific.
- BullionVault · Vaulting FAQAccessed 6 November 2026
The provider explains how it publishes bar lists and reconciles them with customer custody lists. This is a programme example.
USE THE TOOLS
Prepare your review questions.
Record the product, evidence and charges your team still needs to compare.