Goldmoney’s $120/year storage minimum is the highest among major platforms.
For a $2,000 portfolio, that’s a 6% annual expense ratio—destroying any investment gains.
Even at $10,000, you’re paying 1.2% just in minimums. You need $66,667 in gold holdings before Goldmoney’s 0.18% rate becomes cheaper than their $120 minimum.
At OWNx, a $2,000 portfolio costs just $12/year (0.6%). No games, no minimums.
| Attributes | Goldmoney | OWNx |
| Gold Premium | 0.50% per transaction | 0% with EDGE |
| Gold Storage Rate | 0.12-0.18%/year | 0.60%/year |
| STORAGE MINIMUM | $120/year ($10/month) | NONE |
| Silver Storage Rate | 0.39-0.49%/year | 0.60%/year |
| Auto-Invest | No auto-invest feature | Yes – $25 minimum |
| Platform Focus | Wealth preservation for HNWIs | Accumulation for all investors |
Goldmoney (TSX: XAU) is a publicly traded precious metals platform that has evolved from retail-friendly to wealth-preservation focused. But its fee structure now excludes the average investor.
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.
Goldmoney has priced out the average investor. Their $120/year minimum is a wealth transfer from small savers to the platform. OWNx welcomes investors of all sizes with fair, proportional pricing.
