- Часто задаваемые вопросы
- ЧАВО : Почему BullionVault?
- ЧАВО : Безопасность
- ЧАВО : Хранение
- ЧАВО : Операционные вопросы
- ЧАВО : О нас
- ЧАВО : Управление
- Как это сделать
- Открыть аккаунт
- Пополнить аккаунт
- Показать наши банковские реквизиты
- Показать наши тарифы
- Покупать золото и серебро
- Ежедневная цена
- Постоянный Инвестиционный План
- Серебро на BullionVault
- Воспользоваться рекламным предложением
- Торговать бесплатным золотом или серебром
- Подтвердить аккаунт
- Предоставить документ
- Зарезервировать слиток
- Стать партнером
- Продать свое золото и серебро
- Вывод средств
- Вывод слитков
- Использовать панель заказов
- Отслеживать свои заказы
- Отменить свой заказ
- Изменить настройки аккаунта
- Отслеживать спотовые цены
- Изменить предельную цену
- Задать продолжительность заказа
- Ознакомиться со своей историей торговли
- Доказать сохранность моих денег
- Ознакомиться с реестрами слитков
- Ознакомиться с банковской выпиской
- Перевести активы в другое хранилище
- Изучить свою выписку
- В случае смерти
- Закрыть свой аккаунт
- Связаться с BullionVault
- Подать жалобу
Nearly a quarter of BullionVault’s users are from the US. The vast majority of them have found it straightforward to use BullionVault, but there are some common questions which come up from time to time.
This page attempts to answer those common questions and provide links to other sources of information which might be useful to a US citizen/resident.
- BullionVault compared to small bars and coins
- Allocated gold
- Funding your BullionVault account
- Capital Gains tax
- Sales tax
BullionVault lets you buy gold and silver at wholesale prices. Starting from as little as 1 gram at a time – less than 1/30th of an ounce – this means you avoid the extra expenses and hassles which retail investors usually suffer in the bullion market.
There are two big problems with small bars and coins which BullionVault helps you overcome. First, those smaller units carry much higher costs. Fabricating a coin, for instance, means the Mint will typically start with a large, wholesale bar (400 ounces in gold, or 1000 ounces in silver) and then melt it down to produce 1-ounce units. On top of those extra production costs, the investor also has to cover the extra shipping fees as that metal is moved into and out of the Mint, plus the operating, distribution and retailing costs.
Second, holding small units in your hand means you'll suffer many more difficulties when it comes time to sell. Shopping around between different dealers or online auction sites takes time – time you may not want to waste if you need to sell urgently. You'll also have to pay delivery costs and wait for payment, eating into the money your sale raises. That widens still further the "spread" between the price you paid when you bought and the price you receive when you sell. At best that spread runs to 5% or so on gold products, and it is typically much wider for silver.
You avoid both these problems by using BullionVault. All the gold and silver you buy is held in the form of large, wholesale-market bars. It is stored securely inside market-accredited vaults, and it is ready for you to sell the moment you choose. You can either offer it to the thousands of other people using BullionVault worldwide through our live online Order Board, setting your own price or accepting theirs. Or you can also sell it directly onto the professional wholesale market at the next Daily Price, the globally recognized benchmark achieved by trading banks and dealers through the world's largest bullion market in London.
Allocated bullion means gold or silver physically held in secure storage and owned outright by the client. Specific bars are segregated from other accounts, and the custodian itemizes those bars on a formal Bar List. The investor is not exposed to anyone else's financial situation.
This is very different to "unallocated" metal. There, no specific bars are set aside, and the client is in fact owed metal by the bank, refinery or trading company providing the service. This exposes you to their financial situation, because it is carried on their balance sheet or accounts. If the company would fail or go bankrupt then you would have to join the line behind their creditors to try and recover your share. There doesn't in fact need to be any gold or silver held for the account. Because unallocated bullion is simply a promise to deliver rather than physically held metal in custody for your account.
BullionVault only offers allocated gold and silver. Specific bars are segregated for BullionVault clients inside independent vaults. Your metal belongs to you, and is your outright property, this is made very plain in each of:
- our publicly released audited Balance Sheet, where client property is not listed;
- the Storage Agreement with the custodians (Brinks Inc. and ViaMat);
- our freely published Terms and Conditions online; and
- your monthly payment of a commercial safekeeping fee (which has previously proven decisive in proving the custodial relationship in law).
Full allocation of BullionVault Clients' property is proven each day by the independently verified Daily Audit. This unique process shows that the full total of client holdings is being cared for by the specialist custodians. You can study this public reconciliation for yourself online. Or see the professional study undertaken by independent accountants here.
BullionVault is a UK registered company based in London. Our bankers in the UK are Lloyds Bank. Lloyds have an account at Bank of America in the US on our behalf. It is the account at Bank of America through which we accept US client $ deposits.
Detailed instructions for how to send funds to BullionVault via the Bank of America account can be found here. There are different instructions depending on how you want to send funds either by wire, ACH, check or online banking/billpay. Here are the instructions for ACH and bank wire:
Recipient name: LTSBReGalmarleyBullionVCLT
Recipient nickname: BullionVault (this is just for your account - has nothing to do with the wire)
Address 1: Threadneedle Street
Address 2: (300009)
Postal code: EC2R8PT
Country: United Kingdom
Message to recipient: For further credit to: BullionVault Client Account, reference: (your BullionVault username here)
Bank routing #: 026009593
Bank name: Bank of America, N.A.
Bank country: United States of America
Recipient account #: 6550-5-61034
Message to recipient: Re: LTSBReGalmarleyBullionVCLT (your BullionVault username here)
You will see from the funding instructions that the payee name on the Bank of America account is ‘LTSBReGalmarleyBullionVClt’. This can confuse your banker. BullionVault is the trading name of Galmarley Ltd. Hence the payee name in the instructions below breaks down as follows:
‘LTSB’ (our UK bank Lloyds – formerly LloydsTSB) ‘Re’ (on behalf of) ‘Galmarley’ (our registered company name) ‘BullionV’ (an abbreviation of the trading name of the company) ‘CLT’ (Client account) followed by your BullionVault username.
However you send funds to BullionVault, it is very important you include your username somewhere on the payment, usually in the reference or notes field. This ensures that we can more easily match your funds with your BullionVault account.
If you generate a profit through the purchase and subsequent sale of bullion, you may be liable to report and pay taxes whether at the regular income rate or as Capital Gains. Please consult with your personal tax advisor for more information. BullionVault does not issue Forms 1099. The information required to determine your profits should be available from your monthly statements.
- Gold – BullionVault does not charge sales tax on purchase or sale of gold bought through BullionVault or upon its physical withdrawal from the vault.
Silver – BullionVault does not charge sales tax on purchase or sale of silver when silver is held as normal in one of the professional vaults offered. Sales tax will be charged if you choose to withdraw your physical silver from the vault. Because BullionVault is registered in UK, VAT on physical silver withdrawals would be charged at 20% and paid by BullionVault on your behalf to UK HM Revenue & Customs.
- Form TD F 90-22.1 - Report of Foreign Bank and Financial Accounts (FBAR).
While BullionVault does not consider itself to be a 'financial institution', the IRS requires those with a financial interest or signature authority over a foreign financial account to report the account yearly to the Internal Revenue Service by filing Form TD F 90-22.1.
United States persons are required to file an FBAR if:
- The United States person had a financial interest in or signature authority over at least one financial account located outside of the United States; and
- The aggregate value of all foreign financial accounts exceeded $10,000 at any time during the calendar year to be reported.
If you are in any doubt about whether you should file Form TD F 90-22.1 as a result of having a BullionVault account, we recommend you consult with your tax advisor.
More information can be found on the IRS website.
The Foreign Account Tax Compliance Act (FATCA) requires U.S. citizens and residents to file Form 8938 listing “foreign financial assets” with an aggregate value of $50,000 or more with their annual tax return. While the guidance on the IRS website indicates that if you hold precious metals directly for investment purposes in a foreign country, you are not required to file Form 8938, it does not clearly define what ‘directly held’ means.
Again, if you are in any doubt about whether you should file Form 8938 as a result of having a BullionVault account, we recommend you consult with your tax advisor.
See also a comparison of FBAR and Form 8938 requirements.
The Foreign Account Tax Compliance Act (FATCA) was enacted in 2010 by Congress to target non-compliance by U.S. taxpayers using foreign accounts. FATCA requires foreign financial institutions (FFIs) to report to the IRS information about financial accounts held by U.S. taxpayers. Various Inter Governmental Agreements (IGAs) have been signed between the US government and foreign governments in order to implement FATCA.
The scope and application of FATCA is however highly complex and the interpretation of the relevant IGAs is not yet settled. Investors should contact their own tax advisers regarding the application of FATCA to their particular circumstances.
This information presented here is not intended to constitute legal or tax advice and should not be relied upon in lieu of consultation with your legal or tax advisor.
© BullionVault Ltd - Онлайн-покупка золота по актуальным ценам.