Hard Assets Alliance
Precious metals investment and storage
Pros & Cons
Pros
- Multiple metals
- Allocated storage
- Competitive pricing
Cons
- Storage fees
- No yield
- Price volatility
The Brief
MoneyMade Verdict
Hard Assets Alliance is one of the most credible ways to own physical gold and silver with institutional-grade vaulting — but the fee structure rewards larger balances, making it a better fit for serious precious metals investors than casual buyers.
Hard Assets Alliance (HAA) is a U.S.-based precious metals platform founded in 2012 that allows individuals, IRA holders, and institutions to buy, store, and sell physical gold, silver, platinum, and palladium through a network of insured, audited vaults across multiple countries. Unlike brokerages that sell gold ETFs or certificates, HAA delivers allocated, segregated ownership of physical metal — meaning each customer's holdings are individually identifiable bars and coins, not pooled claims. The platform was co-founded by a group of financial advisors and analysts including Hard Assets Investor and has grown to serve over 100,000 customers. (Verify current customer count at hardassetsalliance.com)
HAA operates through its SmartMetals™ technology platform, which aggregates dealer pricing from multiple sources to offer competitive spot-plus-premium pricing on purchases. Storage is handled through BullionStar, Loomis International, and other third-party vault partners in locations including the United States, Switzerland, Singapore, New Zealand, and Hong Kong — giving investors meaningful geographic diversification outside the U.S. banking system. Precious metals held at HAA are fully insured by Lloyd's of London and are not considered assets of HAA itself, so they are protected in the event of company insolvency. (Verify current insurance terms at hardassetsalliance.com)
Head-to-Head
| Platform | Min | Target Return | Annual Fee | Liquidity | Accredited |
|---|---|---|---|---|---|
| — | Varies with metal prices | Storage + transaction fees | Daily | No | |
| $100 | 4–8% | Varies by offering | 5–20 years | No | |
| — | 6–10% distribution yield | Brokerage commission | Daily (NYSE) | No | |
| — | 8–15% | Brokerage commission | Daily (public stock) | No | |
| $10K | 7–13% | 0.75% AUM + closing costs | 5–10 years | Yes |
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