Gold for Pensions

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

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. 

A SSAS can be set up by a Limited Company and allows up to 11 pensions members into the group scheme. Scheme members are usually directors and senior staff (and can include family members). Unlike SIPPs, where member trustees are not essential, SSASs operate optimally when all members are trustees and largely, can control their own affairs. An employer creates its own SSAS under trust and the SSAS administrator registers it with HMRC as a standalone scheme. 

A SIPP is a personal pension product (private pension) and is set up with a SIPP Provider/ Administrator. The provider/administrator ensures that the SIPP operates in accordance with pension regulations, and will hold your pension assets in trust and provide administration services. All investment decision making is made by you, and/or an appointed financial advisor. The SIPP provider will not usually provide regulated financial advice to you so the additional services of a regulated financial adviser may be optimal. 

Your pension scheme has direct, full legal ownership of the individual gold bars, or gold ounces (in the case of DigiGold). The Royal Mint is simply a custodian, and we don’t have any direct claim on the gold you purchase. 

Simply click the relevant link at the top of the Gold for Pension home page and request an application form and call back from one of our dedicated team. 

The minimum purchase is £25 (DigiGold) and there is no limit to the maximum amount of gold which can be held or invested with The Royal Mint. However, please be aware that there are limits on the amount of money which can be contributed to and held within a pension. We recommend you speak to your advisor or SIPP provider for further clarification. 

*For pension members looking to make gold bar investments of more than £100,000 (and/or regular, large contributions), please contact the Gold for Pensions team to explore bespoke pricing. 

You can sell part or all of your gold holding to The Royal Mint at any time, with the sales proceeds being credited to your bullion account. Please note that funds cannot be held within your bullion account for more than 30 days. If this period elapses and funds remain in your account, they will be repatriated to your pension provider within 30 days.  

We are unable to recommend any SIPP providers to you. However, we do have some providers pre-approved on our investment platform, and those providers are listed here. (Please note, these are not in any priority or other order). 

If your pension provider is not on the list, please contact us to discuss as we still might be able to assist you. 

Pension clients have the option to invest in individual, eligible gold bullion bars, DigiGold or a combination of the two, within your Gold for Pensions account. 

Please click here to view a list of the eligible gold bullion bars available to purchase and hold within your Gold for Pensions account.