Precious Metals Overview
Enrich your portfolio with precious metals
We offer the accounts, the metals and the expertise for a sharper financial portfolio. Since every investor is different, we offer a range of ways to diversify in non-FDIC-insured precious metals.1 From many of the most popular and sought-after coins to our more affordable unallocated option, we’ve got the right metals answer for you.
Key features
- Get our 1% pricing advantageHere, you’ll be able to purchase metals at a price that’s no more than 1% over the prices available to us.2
- Choose from gold, silver, platinum and palladium
- Automatic purchase plans available3
- Storage and delivery options available for coins (fees apply)
Account finder
Match your goals to our solutions
- Learn moreCoins
Do you appreciate the intrinsic worth of precious metals? Are you looking for a possible hedge against inflation and periods of world or economic instability? Access many of today’s most popular coins for less than 1% over the price available to us,2 and own a tangible asset of value.
- Learn moreUnallocated metals
Do you want to invest in metals without buying actual coins? With our unallocated metals solution, you can do just that. As a result, you can bypass all storage or delivery fees while still reaping the rewards of potential increases in metals prices.
- Learn moreAutomatic purchase plan
Troubled by the idea of trying to time your metals purchase based on current market conditions? For as little as $100 per month, you can start investing in unallocated metals gradually, at your own pace.3
| Coins | Unallocated | |
|---|---|---|
| Minimum to open | $7,500 | $5,000 or $100/mo. |
| Gold, silver, platinum and palladium | ||
| Purchase plan available3 | ||
| Storage and delivery options (fees apply) | ||
| No annual account fee | ||
| IRA-eligible options | ||
| Learn more | Learn more |
How we’re different
Invest with confidence
We back our smart, simple and cost-effective solutions for expanding your portfolio with a combination of assurances you’re unlikely to find anywhere else.
Diversify your way
Because every investor is different, including their tolerance for risk, we offer a host of ways to achieve your investment needs and goals.
Turn to a trusted source
Take advantage of the unique opportunity to create a more diverse portfolio through a bank that’s backed by a long history of strength, stability and being there for its clients.
Access to our experts
Let our expertise in the global markets work to your advantage. From day 1, our World Markets experts will be here for you with timely insights and dedicated support.
Frequently asked questions
Metals Select accounts are not deposit accounts; therefore, they are not FDIC-insured.
With an allocated account, you purchase specific types of coins of precious metal, which we can then store for you or ship to you (fees apply for storage and shipping). If we store your allocated account precious metals for you, they are in a secure vault, and you can always request that we deliver your specific type of coins to you.
With an unallocated account, you do not purchase any specific coins or own any particular piece of physical metal. Instead, with each unallocated purchase, actual physical metal (in the form of bullion or coins) is added to the pool of other physical metals that other EverBank unallocated account holders own and that we securely store in a vault. You may move from an unallocated account to an allocated account at any time (fabrication and storage/delivery costs will apply).
Yes, the physical metal in your unallocated account is stored by us in a secure vault. Because it is an unallocated account, the metal is part of the pool of physical metals that other EverBank unallocated account holders own, meaning there is no specific coin or piece of bullion within that pool that is yours. If you would like a specific coin, or would like to take delivery of physical metal, you must open an allocated account.
Yes, in order to purchase precious metals from us, you must open a World Markets portfolio.
With both a Metals Select allocated and unallocated account, you can purchase gold, silver, platinum, and palladium.
Currently, all of our Metals Select allocated coins are IRA-eligible, except for the Gold South African Krugerrands. Please note that with a Metals Select IRA, we must store the coins for you.
Yes, you can lose money, and a Metals Select account is not FDIC-insured nor is it principal-protected. Please see the Account Terms, Disclosures and Agreement Booklet for additional information on the risks associated with Metals Select accounts.
Invest today
Build your portfolio to perform
Don’t miss out on a market opportunity. Unlock potential today with precious metals.
Information to keep in mind
Metals Select® products:
Are Not FDIC InsuredAre Not Bank or Government GuaranteedAre Not DepositsMay Lose ValuePurchasing or owning metals involves degrees of risk that make them unsuitable for certain individuals. You should carefully consider the suitability of such metals before making any decision. Metals Select transactions will not occur until your account is approved and sufficient funds are available. Please refer to the Specific Terms - Metals Select Accounts section in the Account Terms, Disclosures and Agreements Booklet for additional information.
When selling or purchasing metals to or from you, we will offer a Customer Price that is within 1% of the Wholesale Price. The Wholesale Price is the price at which we determine we are able to buy or sell metals at a specific point in time. Exceptions may occur if we agree in our sole discretion to lock in your price before the transaction. The Wholesale Price is determined by us on a transaction-by-transaction basis and varies with the applicable wholesale trading market. Wholesale Prices are not published or publicly available. For more information about our precious metals pricing, please see the Specific Terms - Metals Select® Accounts section in the Account Terms, Disclosures and Agreements Booklet.
We reserve the right to terminate the Automatic Purchase Plan or your involvement in the Automatic Purchase Plan at any time, for any reason, including but not limited to overdrafts of your companion cash management account.
