Scott R. Hillford
Author & Founder Gold Is Money 2
Disclaimer: Some or all of the companies reported here may provide compensation to us, at no cost to our readers. This is how we keep our reporting free for readers. Compensation and detailed analysis are what determines how companies appear on this website.
What is Hard Assets Alliance?
Hard Assets Alliance makes it easier for investors to own real gold. According to its website, investors will take advantage of 100% of hard assets with zero counterparty risk. With Hard Assets, every investment is audited, insured, and stored in a vault.
Hard Assets Alliance began with long-time investing professionals who saw the potential in gold and the shortfalls in the gold industry.
For this reason, the company made everything electronically traded in a competitive marketplace.
Prior reading further, it is important to acknowledge that investing your savings is a not easy. When it comes to incorporating precious metals into your investment portfolio, how can you tell which companies are reliable?
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According to the company, their platform has become the standard for the world's largest wealth managers that provide precious metals to their clients. Hard Asset Alliance has several partners, including Agora Financial, The Oxford Club, Stock Investor, Street Authority, and more.
Solutions
The company offers several products to its clients, including:
Standard Account
A standard account with Hard Assets is quick, flexible, and a low-cost opportunity to invest. At Hard Alliance Solutions, standard accounts are their most popular option. A standard account enables you to enjoy liquidity and flexibility, low prices, and peace of mind.
Precious Metals IRA
Are you an investor looking to diversify with gold? The company also offers a precious metals IRA to help you experience more profit for your dollar. Some benefits of opening a precious metals IRA with Hard Assets Alliance include reduced taxes, the ability to save for retirement in physical gold, and the opportunity to create a hedge against paper assets.
If you decide to work with them for your precious metals IRA, you can rest assured that you'll have a custodian partner you can trust. Hard Assets Alliance has integrated with Equity Trust to help manage your assets. Equity Trust is a leading, independent trust company in the United States. They have over $25B in alternative assets under custody for investors.
Luckily, opening a precious metals IRA account with them appears to be just as simple as opening a standard account. Opening an account will only take a few minutes, bringing you one step closer to precious metals investing.
Step 1: Open your Precious Metals IRA
To make the best decision, you'll first start by answering a few simple questions about yourself. If you need help, there are representatives available to answer any questions you may have.
Step 2: Funding
Before you buy your precious metals, you'll need to fund your gold IRA. To do so, you can either transfer cash from an existing IRA, roll over a workplace retirement plan, or make an annual contribution.
Step 3: Invest
Lastly, just log into the Hard Assets app and begin buying or selling. You're free to access your account at any time that is convenient for you.
Metal Stream
Have you been looking for a more automated way of investing? Metal Stream is another solution that Hard Assets Alliance offers its clients. Metal Stream enables you to save in gold without any commitments.
Ultimately, investors can accumulate precious metals with automated monthly investments into real, physical bullion. You'll be able to save in gold and silver over time and receive all of the benefits of price averaging, without needing to sacrifice the benefits of owning whole coins and bars.
According to Hard Assets Alliance, the setup is simple. All you'll need to do is pick an amount to invest, select eligible gold or silver products, and connect your bank for funding. If you don't want to connect your bank, you can also pre-fund an account balance.
Hard Assets Alliance will make regular monthly investments while you go on with your life. As you accumulate enough for a full coin or bar, they'll automatically move it to a secure vault at no additional charge.
Business Accounts
Hard Asset Alliance also offers a Corporate Treasury solution, which enables your company to own gold. There are several benefits of this solution, including a secure storage account and checkbook IRA support. If your business is a corporation, LLC, or another business entity, this may be a good option for you.
Estate and Trust
If your mind is on protecting your family for generations to come, you may be interested in Hard Assets Alliance Estate and Trust solution. This solution helps investors secure their net generation with an investment in real, tangible precious metals.
Hard Assets Alliance offers several estates and gifting solutions like Trusts, UTMAs, and holding companies that provide the flexibility to give the gift of gold.
Once your beneficiary needs the assets, they can easily be sold or delivered. But until they need them, Hard Assets Alliance will keep your assets locked in a safe and secure vault courtesy of one of their trusted vaulting partners.
Getting Started with Hard Assets Alliance
No matter what product you decide to choose with Hard Assets Alliance, getting started with them is quite simple. Investing in precious metals will have a slightly different process mentioned above. However, if you're interested in trying out any other solution, there are just a few things that you will need to do that shouldn't take up too much of your time. Here's how to get started:
Step 1: Open an Account
Choose the best account to meet your needs. You'll find several options, including personal accounts, retirement, trust, corporate, and more.
Step 2: Fund Your Account
Before you invest, you'll need to pre-fund your account. You can choose the electronic bank of your choice to conduct transfers, wires, or checks.
Step 3: Invest and Build
Get ready to invest. Just log into the app and start buying and selling. Investing with Hard Assets Alliance is safe, simple, and accessible 24/7.
Precious Metals
Hard Assets Alliance enables you to invest in precious metals with ease. With their various solutions, you're sure to find something to suit your needs. With that said, let's take a look at what types of precious metals are available to you with this company:
Hard Assets Alliance has a relatively small selection of precious metals. The company does not offer other options like palladium. However, the company does still have a nice quality selection that will add value to your portfolio.
Prices
Hard Assets Alliance certainly offers several ways for you to invest in gold. But it's important to note that the company is not a dealer. They do, however, provide a marketplace that connects dealers, refiners, and banks together. Every time an order is placed, the potential buyers bid against each other. This is what keeps prices competitive.
It's also important to note that prices for precious metals are always fluctuating. With that said, there is no guarantee that what price you see today will be the same tomorrow. As a reference, Hard Assets Alliance's 1 oz Platinum Bar is currently going for $1,144,49 while their Gold 1 oz American Eagle is starting at $2,102.33.
Storage Vaults
To take advantage of secured storage and delivery, you'll need to pay for those services. According to their website, storage rates are the same for all vaults. This includes:
There's also a $5/month minimum per account. However, the fee is waived for accounts with Metal Stream activated. Storage fees are billed quarterly.
Pros and Cons
Now that we've discussed what's offered with Hard Asset Alliance, it's time to take a look at some pros and cons of working with this company.
PROS
While the inventory may be on the smaller side, the company does offer quality gold, silver, and platinum. You'll find plenty of popular options from Gold American Eagles, Silver Canadian Maple Leaf, and more.
Another thing that sets this company apart from its competitors is the variety of solutions it offers clients. Hard Assets Alliance has worked hard to think about the needs of every potential investor they may come across. You can open a standard investment account with the company or a precious metals IRA.
If you're interested in a more seamless investing strategy, MetalStream is a great option. Hard Assets Alliance also has other investment opportunities for businesses and those interested in estates and trusts. With that said, Hard Assets Alliance is one of the most diverse companies offering investment solutions.
CONS
One of the major downsides of this company is that there are huge information gaps. After reviewing the company's website, there is no actual information regarding who owns Hard Assets Alliance. The only thing that's really known is that it is an alliance of different companies.
There's also no clear explanation of what companies are part of the alliance. Overall, it seems that the company's main function is to contract third parties to handle all of the small details.
Unfortunately, Hard Assets Alliance appears to offer a poor customer service experience. There have been several complaints made against the company that you should consider.
For instance, one customer encouraged others to spend their money elsewhere. The customer opened an account with Hard Assets Alliance and had been increasingly disappointed. The customer specifically said that customer service is slow to respond to inquiries.
In fact, it's not uncommon to wait days for a response. The customer further stated that they funded their account and placed their order. At the time of the review, their items hadn't been shipped seven days later.
Many other customers have had this same experience with Hard Assets Alliance. It's best to assume that this is a type of issue you can expect from them.
Another alarming factor is the potential for hidden fees. In addition to poor customer service, the company has been noted for having hidden fees. The hidden fees seem to be concerning the overpriced cost of shipping.
It also appears that the price of some of their products appears to be inflated. Some customers have stated that it's better to just work with another precious metal company.
FAQs
Who owns Hard Assets Alliance?
Unfortunately, Hard Assets Alliance does not mention anywhere on its website who owns the company. All we know is that the company is formed with the help of several companies. For more information, it's best to reach out to a representative for more clarity.
What are the advantages of working with Hard Assets Alliance?
One of the main benefits of Hard Assets Alliance is that the company offers several solutions to meet the needs of several types of investors. Due to the company's variety of services, it may be possible to grow with your investment journey with Hard Assets Alliance.
Does Hard Assets Alliance offer palladium and rhodium?
At this time, Hard Assets Alliance does not offer palladium or rhodium. However, you can invest in gold, silver, and platinum to grow your portfolio.
Is this company a scam?
If you're looking for a company to invest in precious metals, you'll be glad to know that Hard Assets Alliance is not a scam. Although the company is legitimate, there are some genuine complaints that you should be aware of.
Due to the potential hidden fees, poor customer service, and overall lack of transparency, you may want to continue looking for other companies.
Verdict
Final Thoughts
Hard Assets Alliance is positioning itself as a one-stop shop for investors who have a variety of investment needs. Whether you're interested in opening a precious metals IRA, an estate or trust account, or something else, Hard Assets Alliance has options for you.
Although Hard Assets Alliance has a few strong points that set itself apart from competitors, be sure to be mindful of some of the complaints that previous customers have made before deciding to move forward.
Let our expertise and analysis help you before you invest your savings by reading our list of the best companies!
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