Own Gold
Frequently Asked Questions
Got questions? We've got answers! Explore our Frequently Asked Questions section to find quick and comprehensive responses to common enquiries about Own Gold, our services, and the gold market. From investment opportunities to the intricacies of gold refining, our FAQ section is your go-to resource for clear, concise information.
Empower Your Financial Journey with Own Gold...
Whether you're a seasoned investor seeking to diversify your portfolio or a newcomer looking to enter the world of gold investments, Own Gold provides a reliable platform to achieve your financial goals. Join us today and unlock the potential for secure, high returns with confidence.
Cash Investments
Our FAQ page provides detailed insights into our diverse range of investment options, tailored to meet the needs of both individual and institutional investors. Whether you're looking for income, growth, or immediate access to gold, we've got you covered
Learn moreJoint Ventures
We address the most frequently asked questions for our larger routes to market to help you understand the intricacies of our investment vehicles. Find clear and concise answers to all your queries to help you make an informed decision on your investment goals.
Learn moreIFISA Investments
Navigate the world of gold investments with confidence. Our FAQ section is designed to simplify your investment journey into IFISAs, providing you with the knowledge you need to make informed decisions and maximise your returns with Own Gold.
Learn more
Own Gold - Own Your Future.
Elevate your investment portfolio
At Own Gold, we understand that each investor has unique financial goals and needs. To help you make informed decisions, we've compiled a comprehensive FAQ section that addresses the most common questions we receive about our diverse range of investment vehicles. Whether you're a sophisticated investor looking for income or growth, an institution interested in joint ventures, or someone seeking immediately available gold, we've got you covered. Explore our sections below to find detailed answers tailored to your specific investment interests.
Cash Investments for Sophisticated or
High-Net-Worth Individual.
Loan notes are debt securities issued by a borrower to investors, typically in exchange for a promise to repay the principal amount plus interest over a specified period. They represent a contractual obligation between the borrower and the investor and may be used to finance various projects or business ventures.
Investing in loan notes offers the potential for fixed-income returns through regular interest payments and repayment of the principal amount at maturity. However, loan notes also carry risks, including credit risk (the risk of default by the borrower), interest rate risk (the risk of changes in interest rates affecting the value of the investment), and liquidity risk (the risk of being unable to sell the investment at a desired price).
Cash investments with Own Gold offer stability, competitive returns, and the security of investing in a tangible asset. These investments are designed for sophisticated and high net worth individuals seeking a reliable income stream or growth potential.
We ensure the security of cash investments through a combination of stringent due diligence, secure transactions, and via our security trustee who holds a legal charge over the company's assets. Our investments are also backed by physical gold assets, providing an additional layer of security.
Our cash investments offer competitive returns compared to other traditional investments. Investors can choose to receive income monthly, bi-annually, or opt for growth over a 12-month period. For those looking to maximise returns, we also offer two and five-year compounded options, ensuring a tailored approach to meet your investment goals.
Compounding in our cash investment plans allows your earnings to be reinvested, thereby generating additional returns over time. This strategy can significantly enhance the growth of your investment, particularly over longer periods.
A regulated security trustee is a financial institution authorised to hold assets on behalf of investors, ensuring compliance with legal and regulatory requirements. They safeguard investors' interests by overseeing asset custody and adherence to investment terms.
Loan notes differ from traditional loans in that they are typically issued in the form of securities that can be bought and sold on secondary markets. Unlike traditional bank loans, which are typically secured by collateral and subject to strict lending criteria, loan notes may offer more flexibility in terms of repayment terms and interest rates.
Returns from investing in loan notes via Own Gold are generated through regular interest payments, which are made by the borrower to the investor at predetermined intervals (e.g., monthly, quarterly, or annually). In addition to interest payments, investors may receive repayment of the principal amount at maturity, depending on the terms of the loan note agreement.
A regulated trustee is a financial institution authorised to hold assets on behalf of investors, ensuring compliance with legal and regulatory requirements. By acting as a custodian of investors' assets, a regulated trustee helps enhance security by safeguarding assets fro misappropriation, fraud, or unauthorised access.
Regulated trustees are subject to stringent regulatory standards imposed by governmental authorities or financial regulatory bodies. These standards typically include requirements related to asset custody, risk management, governance, and compliance with applicable laws and regulations.
Yes, investors can verify the credentials of a regulated trustee through various means. Firstly, they can check the website of the relevant regulatory authority, where information about licensed trustees is often available. Additionally, investors can request the license number of the trustee and use it to verify their regulatory status directly with the regulatory authority. It's also advisable to review regulatory filings and disclosures made by the trustee, as well as check for membership in professional associations related to trust and fiduciary services. Independent reviews and ratings from reputable sources can offer further insights into the trustee's reputation and performance. Finally, seeking advice from legal counsel or financial advisors with expertise in trust services can provide valuable guidance on verifying the credentials of a regulated trustee.
SBLCs and LOCs are financial instruments issued by banks to guarantee payment to a beneficiary if the applicant fails to fulfil their obligations. They are commonly used in investment transactions to provide assurance of payment and mitigate risks for parties involved.
Own Gold offer terms from 12, 24 and 60 months, paying returns via profits from the facilitation of buying and selling gold, twice per month, twenty four times per year.
Own Gold - Own Your Future.
Unraveling the Answers: Your Essential FAQ Guide for Joint Venture Investments
Delve into our extensive library of questions relating to our join venture routes, tailored to address common queries surrounding unregulated investments within the vibrant gold sector. Gain the expertise needed to navigate the complexities of gold investments confidently, empowering you to seize opportunities and maximise returns in this dynamic market.
A joint venture with Own Gold involves partnering with us to fund large-scale gold mining and operational projects. These ventures are tailored for larger buyers and institutions, providing substantial investment opportunities with shared profits.
Entry requirements typically include a substantial initial investment, often starting at £1.5 million. Participants must also demonstrate financial stability and a commitment to the long-term goals of the venture.
Our risk management strategies include the use of blocked funds in segregated bank accounts, SBLCs and LOCs, thorough due diligence, continuous market analysis, diversification of projects, and strong contractual agreements with partners. We also employ hedging techniques and insurance to mitigate potential risks.
Expected returns for joint ventures can be significant, often ranging from a minimum of 4% per month, depending on project locations and opportunities. Timelines typically start with contracts of 365 days plus one but can be extended for as long as the investor needs, aligning with project milestones and operational phases.
A mine to market investment involves financing various stages of the gold supply chain, from mining operations to refining and distribution. Investors provide capital to fund mining projects or purchase rights to a portion of the mined gold, with the goal of profiting from the sale of the refined gold bullion on the market.
Mine to market investments offer the potential for significant returns through the sale of refined gold bullion on the market. However, they also carry risks, including operational risks associated with mining operations (e.g., geological risks, operational challenges, regulatory compliance), market risks (e.g., fluctuations in gold prices), and financial risks (e.g., cost overruns, financing challenges).
Letter of Credit (LOC) is a financial instrument issued by a bank that guarantees a buyer's payment to a seller will be received on time and for the correct amount. In the context of our joint venture, an LOC serves as a secure mechanism, ensuring that funds are available without actually transferring large sums of money upfront.
Using an LOC benefits you by providing a high level of security for your investment. The funds are guaranteed by a reputable financial institution, minimising the risk of non-payment or default. This ensures that the necessary funds are allocated properly and securely, giving you peace of mind regarding the stability and safety of your investment.
Bank-to-bank transactions involve direct financial dealings between two banking institutions, which can include fund transfers and issuance of financial instruments. An MT790 transaction specifically refers to the use of SWIFT's MT790 message type for issuing bank guarantees or standby letters of credit, ensuring payment or performance of contractual obligations. These transactions are essential for facilitating secure international trade and financial activities.
While Own Gold was officially established in April 2022, our co-founders bring over a decade of experience in the finance and commodity sectors. During this time, we have developed strong relationships with key partners and established robust security measures for the funds we raise. Although our registration date may be recent, our expertise and industry knowledge are extensive. Rest assured, we are well-equipped to navigate the complexities of the market and are committed to providing secure and profitable investment opportunities.
Yes, we are currently in the process of preparing our audited accounts, which will detail the funds on our ledger. Additionally, we have secured a €10 million Standby Letter of Credit (SBLC) through our Asian arm, which we are happy to share to demonstrate our financial strength and commitment. These documents will provide transparency and assurance of our solid financial foundation and operational integrity.
The mine to market process typically begins with investors providing funding to finance mining operations or acquire rights to gold reserves. Once the gold is extracted from the mine, it is transported to a refinery for processing into refined gold bullion. The bullion is then sold on the open market or to institutional buyers, generating returns for investors.
Investors can participate in mine to market investments by Own Golds structured Loan Note for those that want hands off income. This route has been operational since 2019. For those with a looking for profit share that qualify, our joint venture offer lucrative returns over 24 carefully timed tranches
Own Gold - Own Your Future.
Unraveling Gold Investments: Your Essential FAQ Guide
Delve into our extensive library, tailored to address common queries surrounding unregulated investments within the vibrant gold sector. Gain the expertise needed to navigate the complexities of gold investments confidently, empowering you to seize opportunities and maximise returns in this dynamic market.
An IFISA allows you to invest your savings in peer-to-peer loans or other alternative finance investments, such as Own Gold's offerings, within a tax-efficient ISA wrapper.
Investing in an IFISA with Own Gold offers the opportunity to earn attractive returns while benefiting from tax-free growth on your investment.
Investing in gold through an IFISA provides diversification in your investment portfolio, hedges against inflation, and offers potential capital appreciation over time.
Own Gold utilises a UK security trustee who holds a legal charge over Own Gold No.1 Limited. We also work with trusted partners to safeguard physical gold and profits, ensuring transparency and peace of mind for investors.
Own Gold offers flexibility with IFISA investments, allowing you to opt for payouts annually, or choose our compounded options over two and five years for maximum returns.
Investments in an IFISA are tax-free, meaning you pay no income tax or capital gains tax on returns earned within the ISA wrapper, maximising your investment gains.
Own Gold offers a compounding returns option where your returns are reinvested to generate additional earnings. This strategy can significantly boost your investment over time.
Yes, you can transfer funds from an existing Cash ISA, Stocks and Shares ISA, or another IFISA into an Own Gold IFISA without affecting your annual ISA allowance.
Own Gold does not charge any fees for managing and administering your IFISA to ensure clarity and fairness.
Getting started is easy. Simply open an account with Own Gold, choose your desired investment option within the IFISA, and start benefiting from tax-efficient returns on your investment in gold.
Investment Opportunities
Our carefully curated investment opportunities offer a gateway to potential growth and prosperity. Whether you're seeking short-term gains or long-term stability, we provide tailored solutions to suit your financial goals. Explore our offerings today and embark on your journey towards financial success."
"Embracing the Eternal Legacy of Gold"
Meet the co-founders
Elevate your investment journey with Own Gold. Where trust, reliability, and a shared dedication to your financial prosperity converge. Embark on a voyage into the realm of building wealth through gold with unwavering confidence by choosing us as your trusted partner.
CARMEN KENNISON-BROOKS
Carmen’s reputation precedes her, celebrated for her exceptional aptitude in nurturing and expanding multi-million-pound enterprises within the finance and investment sphere. At Own Gold, she orchestrates a myriad of investment ventures, implementing strategies that capitalise on lucrative opportunities. Her adeptness in driving unparalleled growth and success for the company and its investors is unmatched.
LAUREN WARLOW
Lauren embodies seasoned leadership, boasting a wealth of experience in orchestrating and optimising operational endeavours on a global scale. Throughout her tenure, she has exhibited an unwavering commitment to steering the company’s operational facets, strategically safeguarding its assets, and crafting robust frameworks that lay the foundations for sustainable financial growth for both partners and investors alike.