Gold for Pensions allows you to add physical gold to your Self-Invested Personal Pension (SIPP) or your Small Self-Administered Scheme (SSAS).

Little Treasures is an online precious metals account that you can open with The Royal Mint. It allows you to purchase and hold DigiGold by making regular payments by standing order or one-off deposits into your online precious metals account. The money that you pay in to your account is used to purchase physical gold on your behalf.

The idea behind Little Treasures is to allow you to keep saving gold until you are ready to gift it to your loved one. This could be at their 18^th or 21^st birthday, when they look to buy their first home, or whenever you feel they are ready to claim their nest egg. At that point, you can choose to sell your gold back to us for cash, redeem your digital gold for physical gold coins or bars (by selling your gold back to us and using the money in your account to purchase physical products) or transfer the holdings to another account (should your loved one choose to open their own digital gold savings account at age 18 or over).

Please note, it is entirely at your discretion as to whether you wish to gift the proceeds from your Little Treasures account to any third party, including a child or grandchild.

The Royal Mint buys large bars and stores them securely within The Vault. Subject to a minimum order value of £25.00, you can purchase fractions of these bars to the nearest 0.001 ounce, but unlike buying coins or bars, it enables you to purchase gold, silver and platinum-based on value rather than weight e.g. £25.00 instead of a one ounce coin or bar.

When you purchase DigiGold, you own it and have legal title to it, with The Royal Mint acting as a custodian only. This means that we don’t have any direct claim on the gold you’ve purchased, and you have the assurance that your gold, silver and platinum are protected.

Your Gold for Pensions account gives you the ability to buy and sell physical gold bullion and/or DigiGold at competitive premiums determined by live gold prices. 

DigiGold offers direct ownership of real physical gold, silver or platinum without the delivery or fabrication fees associated with coins and bars. Unlike coins and bars, DigiGold enables you to purchase gold, silver and platinum-based on value rather than weight e.g. £25.00 instead of a 1 ounce coin or bar.

As you purchase fractions of a large bar, DigiGold cannot be delivered. Subject to a minimum order value of £25.00, you can purchase any amount you choose in 0.001 ounce units, and unlike larger coins and bars, you can spend exactly what you choose.

There are three charges associated with buying DigiGold via Little Treasures. There is a charge applied to each purchase, a charge applied for the monthly storage of the gold, and a charge at the point that you decide to redeem your holding and sell your gold back to us. With Little Treasures there are no hidden fees. We are completely transparent about all of our fees, and these can be found in the management fees section.