SHOPRegistered Precious Metals Accounts · RRSP · TFSA
Would you like to own real, physical gold and silver in your RRSP?
You can. Allocated bars, in your name, inside your registered account. Since 2015.
Registered Precious Metals Accounts
A Registered Precious Metals Account lets you own physical gold and silver bullion directly inside your RRSP, TFSA or other registered plan. Pioneered by Guildhall Wealth and introduced through Questrade in 2015, it keeps your metal fully allocated and segregated, with a titled itemized inventory report listing every bar you own. You can even audit your holdings in person.
A step-by-step look at how Guildhall helps clients hold physical gold and silver in registered accounts (RRSP, TFSA, LIRA, LIF and more): how it works, how your metal is kept secure, and how easily it can be sold.
Recorded before some arrangements changed: registered account metal is now stored at Brinks in Peterborough and Calgary, and Questrade is regulated by CIRO (formerly IIROC).
Asset ownership. Not the promise of it.
Certificates, ETFs, funds and pooled accounts all have one thing in common: they give you a promise of bullion. A Guildhall registered account holds the metal itself: specific bars, in your name, that you can hold.
Titled ownership
Fully allocated and segregated. Your Itemized Inventory Report lists every bar by description and serial number. Nothing is pooled, swapped or commingled.
Outside the banking system
Stored at Brinks depositories in Peterborough, Ontario and Calgary, Alberta, insured through underwriters at Lloyd’s of London. Certificate of insurance available on request.
You can see it
Any client, large or small, can audit their holdings in person with one week’s notice.
Liquid
Buy or sell with a phone call, Monday to Friday, 9:30 am to 3:30 pm ET. Sales are priced off the U.S. dollar spot price and typically settle in one to two business days.
Only the world’s most recognized bars
We offer only globally recognized names: the Royal Canadian Mint, Valcambi Suisse, PAMP Suisse and Asahi, as well as the Perth Mint, Rand Refinery, Nadir and IGR. Recognizable bars are easier to verify and easier to sell, anywhere in the world.
Metal you already own cannot be deposited. Registered account metal must be acquired through a precious metals dealer such as Guildhall.
Silver
- 100 oz bars
- Kilo bars (32.15 oz)
- 10 oz bars
- 1 oz Maple Leafs (25 per tube, sold by the tube)
Gold
- Kilo bars (32.15 oz)
- 10 oz bars
- 5 oz bars
- 1 oz bars
- 1 oz Maple Leafs
Every bar and coin we offer for registered accounts is at least 99.9% pure and comes from refiners on the LBMA Good Delivery List. Learn more from the London Bullion Market Association (LBMA).
Which accounts qualify?
Open a new account and contribute, or transfer all or part of an existing one. Transfers between registered plans stay inside the plan, so the move itself is not taxed. Guildhall does not provide investment or tax advice; speak with your advisor or accountant about which account suits you.
What it costs
| Opening the account | No charge |
| Transfer fee | Reimbursed by Questrade, up to $150 per account |
| Metal | Quoted all-in before you commit: the market price of that bar (spot plus the wholesale premium, which varies by bar size) plus Guildhall’s premium of up to 5%*, lower for larger accounts |
| Currency exchange | Metal is priced in U.S. dollars. Questrade’s exchange rate applies; on larger orders we ask Questrade for a reduced rate on your behalf. |
| Allocation fee | $2 per bar, plus tax, to record your serial numbers |
| Storage and insurance | 1.25% per year, billed monthly |
| Account management fee | None |
*Rates improve with account size, and family members can share the rate of the family’s largest account.
What the 1.25% covers
Segregated vaulting at Brinks, Lloyd’s insurance, Itemized Inventory Reports, access to in-person audits, and a dedicated Guildhall associate for as long as you hold the account. No separate management or advisory fee on top.
Example: on a $100,000 holding, storage and insurance is $1,250 a year, about $104 a month.
Understanding precious metals prices
Bar size, brand, the size of the account, currency exchange and how the acquisition is structured all affect the price, and the market moves every day. We show you the options and the all-in cost before you commit, so you can decide with the full picture.
Get the Registered Precious Metals Guide
A plain-language guide to holding physical gold and silver in your registered account.
Inside the guide
- How a registered precious metals account works, start to finish
- Which registered accounts qualify
- What it costs, with every fee laid out
- Where your metal is stored and how it is insured
Fill in the form and the guide opens right away. We also email you a copy.
Prefer to talk it through? Call 1-866-274-9570, Monday to Friday, 9:30 am to 5:00 pm ET.
How it works
Book a call
Book a free consultation, or call us at 1-866-274-9570. We answer your questions and explain how it works.
Open your Questrade account
We help you open it in about 20 minutes. Questrade approves and holds your account, typically within a day.
Fund it
Contribute directly, and your metal can be purchased within about 72 hours. Or transfer from another institution, which can take up to 20 business days.
Acquire your metal
Your bars go straight into the vault under your name, and your Itemized Inventory Report follows.
Ready for step 1? Book a free consultation or call 1-866-274-9570.
Frequently asked questions
Gold and silver in your RRSP, TFSA and other registered accounts.
Can I hold physical gold and silver in my RRSP?
Yes. The gold and silver we offer for registered accounts is at least 99.9% pure and comes from LBMA Good Delivery refiners. It can be held in an RRSP, Spousal RRSP, TFSA, FHSA, RRIF, RESP, LIF, LIRA or LRSP. The account is a Questrade registered account, and Guildhall Wealth is your precious metals dealer.
Can I transfer an existing RRSP or TFSA?
Yes. We help you start the transfer and follow it through with Questrade and your current institution. Funds move from one registered plan to another, so the transfer itself is not taxed. Questrade reimburses the transfer-out fee your current institution charges, up to $150 per account, for any balance. Send the statement showing the fee within 60 days of the transfer request.
How long does it take?
Opening the account with our help takes about 20 minutes, and Questrade typically finalizes it within a day. If you fund the account directly, your metal can be purchased within about 72 hours. A transfer from another institution can take up to 20 business days, depending on how quickly that institution releases the funds.
Who holds title to the metal?
You do. Your bars are fully allocated and segregated in your registered account, and your Itemized Inventory Report lists each bar by description and serial number. Nothing is pooled or commingled.
Who holds my account?
Questrade opens, approves and holds your registered account. We help you open it and support you from there. Questrade is one of Canada’s largest online brokerages. They are a member of the Canadian Investor Protection Fund (CIPF) and all accounts with Questrade are regulated by the Canadian Investment Regulatory Organization (CIRO).
Why buy through a precious metals dealer?
Questrade holds your registered account and handles the administration. A specialist dealer brings the product and market knowledge. Guildhall introduced Registered Precious Metals Accounts with Questrade in 2015. Senior brokers Jeremy Wiseman and Jerry Correia lead a team with 40 years of combined experience, including time on the vault side at Brinks. We offer only the world’s most recognized bullion products, help you open and fund your account, handle transfers, sales, delivery and paperwork with Questrade, and ask for a reduced exchange rate on larger orders. Guildhall Wealth Management Inc. is listed on Questrade’s precious metals page.
How is the metal stored and insured?
Registered account metal is stored at Brinks depositories in Peterborough, Ontario and Calgary, Alberta, and insured through underwriters at Lloyd’s of London. A certificate of insurance is available on request, and you can audit your holdings in person with one week’s notice.
Can I put gold I already own into my RRSP?
No. Metal in a registered account must be acquired through a precious metals dealer such as Guildhall, so that it meets purity and refiner standards and goes directly into the vault under your name.
Can I take delivery of my metal?
In most cases, yes. LIRA and LRSP accounts are the exceptions. We coordinate the paperwork with Questrade and Brinks and confirm any costs with you in advance.
Have a question we didn’t cover? Call 1-866-274-9570 or book a free consultation.
Hold something real in your retirement plan.
Serving Canadians since 2002.
or call 1-866-274-9570
Disclaimer: Guildhall Wealth is a precious metals dealer, not a financial services company or financial adviser. We do not provide advice relating to registered accounts, including RRSPs and TFSAs; we assist with buying, selling, storing and servicing physical gold and silver.