S.T.A.R. GRAMS
Build physical gold, silver or platinum holdings by weight, without purchasing an entire bar.
Why Buy S.T.A.R. Grams?
Own Part of a Physical Bar
S.T.A.R. Grams provide direct title with fractional ownership of specific identified bars. Own a defined percentage of a specific bar, rather than a share in a pool, while accumulating flexibly by weight.
Specific Physical Ownership
Your fractional ownership is allocated to identified bullion bars held in the vault, rather than to an unidentified pool of metal.
Build Your Holding Progressively
Start with the amount that suits you and add to your holding over time through individual or recurring purchases.
100%+ Physical Backing
Client holdings are supported by at least the corresponding quantity of physical bullion, with backing information available through the real-time public audit tracker.
Held as Client Property
The bullion remains client property and is not held on Silver Bullion’s balance sheet. Silver Bullion does not lend, pledge or encumber client-owned metal for its own purposes.
Published Pricing
Purchase at the applicable published premium and sell some or all of your S.T.A.R. Grams back at the prevailing spot price with a 0% sell premium.
Flexible When You Need It
Keep your S.T.A.R. Grams, sell them at spot, use eligible holdings toward available bullion products, or convert them into physical bullion subject to the applicable requirements.
Bar allocations may change as purchases, sales and redemptions are processed. Any reassignment preserves the quantity of metal owned and its allocation to specifically identified bullion.
How It Works
A Straightforward Way to Own Precious Metals
01 - Choose
Select gold, silver or platinum and enter the amount you want to purchase.
Buy once or set up a recurring purchase to build your holding automatically at regular intervals. You can manage your recurring purchase instructions through your account, subject to the applicable processing requirements.
02 - Buy
Complete your order at the published price shown before confirmation.
The purchase price comprises the applicable spot value and published buy premium.
03 - Own
Your fractional ownership is allocated to specific physical bullion and recorded in your account according to the metal and weight you own.
The underlying bullion is held as client property within the S.T.A.R. Storage framework.
04 - Keep, Sell, Spend or Redeem
Keep your holding and continue adding to it over time. When you want to use it, you can:
- Sell: Sell some or all of your grams at the prevailing spot price with a 0% sell premium.
- Spend: Use eligible grams toward available bullion products.
- Redeem: Convert eligible holdings into physical bullion, subject to product availability, premiums, minimum quantities and applicable charges.
What Makes S.T.A.R. Grams Different
S.T.A.R. Grams vs. Pooled Savings Programmes
How S.T.A.R. Grams differ structurally from pooled savings programmes.
| S.T.A.R. Grams | Pooled Savings Programmes | |
|---|---|---|
| Ownership structure | Fractional title to specific, named bars | Claim against the issuer’s metal inventory |
| If the issuer fails | Bars remain your property and are not held on Silver Bullion’s balance sheet | You typically rank as an unsecured creditor |
| Bar allocation | Serial-numbered bars identified to your account | No specific bar allocated to you |
| Backing level | At least 100% physical backing, with a real-time public audit tracker | Varies according to the issuer’s reserve policy |
| Redemption | Physical bullion or spot-price sellback with no exit fee | Subject to the issuer’s terms and availability |
| Legal classification | Direct property right through ownership | Contractual right through a backed claim |
Descriptions of pooled savings programmes are general. Structures and terms vary between providers, and clients should review the terms of any product being considered.
Backed by Metal Is Not the Same as Owning the Metal
Backing describes what supports an issuer’s promise. Allocation establishes a direct property right in the underlying metal.
What It Costs
Simple, Published Pricing
Two published costs apply: a premium when you buy and an annual storage fee. A 0% sell premium applies when you sell your S.T.A.R. Grams back to Silver Bullion.
| Metal | Buy Premium | Sell Premium | Annual Storage |
|---|---|---|---|
| Gold | 2.00% | 0.00% | 0.30% |
| Silver | 4.00% | 0.00% | 0.60% |
| Platinum | 4.00% | 0.00% | 0.30% |
Storage charges are calculated daily and deducted from your holding in metal. Minimum annual storage charges apply.
Rates may be revised. The applicable price and charges will be shown before a transaction is confirmed.
Who S.T.A.R. Grams May Suit
Built for Flexible Accumulation
S.T.A.R. Grams may suit clients who want to build physical precious metal holdings progressively, while retaining flexibility over how much they buy and when.
- Begin with a smaller amount of precious metal
- Own gold, silver or platinum without purchasing an entire bar
- Accumulate precious metals progressively
- Set up recurring purchases
- Sell only part of a holding when required
- Build toward a future physical bullion purchase
- Hold physical bullion without arranging personal storage
Common Questions
What Clients Usually Ask
Do I Own a Specific Bar?
Your S.T.A.R. Grams represent fractional ownership allocated to specifically identified physical bullion bars held within the S.T.A.R. framework.
You own the weight recorded to your account as a fractional interest in the applicable identified bullion, rather than an undifferentiated claim against a general pool.
Is Physical Metal Held for My S.T.A.R. Grams?
Yes. Client holdings are supported by at least the corresponding quantity of physical bullion. Backing information is available through the programme’s real-time public audit tracker.
Can I Set Up Recurring Purchases?
Yes. You may set up recurring purchases for eligible S.T.A.R. Grams to build your holding automatically over time.
Available metals, frequencies, payment methods, minimum amounts and processing arrangements are shown when you create the instruction.
How Do I Sell or Redeem My S.T.A.R. Grams?
You may sell some or all of your holding back to Silver Bullion at the prevailing spot price with a 0% sell premium.
Eligible holdings may also be used toward available physical bullion products, subject to product premiums, minimum quantities, availability and applicable charges.
What Fees Apply?
A published buy premium and annual storage charge apply according to the metal selected. A 0% sell premium applies when S.T.A.R. Grams are sold back to Silver Bullion.
Storage is deducted from your holding in metal, and minimum annual storage charges apply.