Money Metals’ silver premiums are crushing. At 15%+ over spot, a $1,000 silver purchase loses $150 immediately to premiums.
Their $96/year storage minimum means a $2,000 portfolio pays 4.8% annually just to store.
OWNx: 0% premium + 0.6% storage with no minimum.
On $500/month for 2 years ($12,000 total): Money Metals silver premiums = ~$1,800 lost.
OWNx EDGE = $298 total cost. You keep $1,502 more in metal.
| Attributes | Money Metals Exchange | OWNx |
| Monthly Minimum | $100 | $25 |
| Gold Premium | 2.5-3%+ (fractional coins) | 0% with EDGE |
| Silver Premium | 15%+ (coins and rounds) | 0% with EDGE |
| Storage Rate | 0.59%/year | 0.6%/year |
| Storage MINIMUM | $96/year ($24/quarter) | NONE |
| Ownership Model | Whole physical coins | Fractional large bars |
Money Metals Exchange offers a Monthly Savings Plan for building precious metals holdings over time. It’s a great concept—but the execution has serious cost problems that hurt small investors.
With OWNx EDGE, investors get access to true wholesale precious metals pricing at 0% premium. The EDGE membership ($149/year) eliminates the markups that traditional platforms charge on every transaction. OWNx offers large bar fractional ownership with optional delivery — own a share of institutional-grade bars and take physical possession whenever you choose.
Money Metals’ accumulation plan sounds good but costs too much. High silver premiums and storage minimums make it mathematically inferior to OWNx for monthly savers building wealth gradually.
