The storage rate difference seems small (0.60% vs 0.70-0.80%), but it compounds.
On a $50,000 portfolio held for 20 years: OWNx storage cost = $6,000 total. HAA storage cost (gold) = $7,000 total.
HAA storage cost (silver) = $8,000 total.
That’s $1,000-$2,000 in savings just on storage—before considering OWNx’s 0% EDGE premium advantage.
| Attributes | Hard Assets Alliance | OWNx |
| Gold Premium | Variable spread (competitive) | 0% with EDGE |
| Gold Storage | 0.70%/year | 0.60%/year |
| Silver Storage | 0.80%/year | 0.60%/year |
| Storage Minimum | $60/year (waived with MetalStream) | NONE |
| Auto-Invest Minimum | $25 (MetalStream) | $25 |
| Selling Fees | Spread included | $0 |
Hard Assets Alliance aggregates pricing from multiple wholesale dealers, offering competitive rates and automated ‘MetalStream’ investing. But their storage costs are higher than OWNx, and over time, this matters.
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.
Hard Assets Alliance is a solid platform, but OWNx offers lower long-term cost of carry. For buy-and-hold precious metals investors, every basis point matters over decades.
