Storage
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As modern investors look beyond volatile stock markets and underperforming funds, physical gold is re-emerging as a vital retirement asset. For those asking how to diversify their pension holdings, gold-backed pensions offer both security and tax efficiency.
Unlike conventional pension schemes, which rely heavily on equities, pension gold can preserve wealth through inflationary periods and market uncertainty. For many investors, the most effective way to hold physical gold within a pension is through a Self-Invested Personal Pension (SIPP), which permits investment-grade gold when stored correctly. Read on to learn more about the role of gold as an investment as part of a wider retirement strategy.
As trusted pension gold specialists, we can work with any pension gold provider and arrange secure delivery to Brink’s in London or to approved vaults overseas.
Unparalleled Security
Your metals, refined by LBMA-accredited refiners, are secured in insured bullion storage vaults fortified with advanced security measures, offering a far superior safeguard compared to home storage.
Legal Title
You’ll receive documentation that verifies your exclusive rights to the reserved metals. These are legally registered under your name and your name alone and can’t be sold or moved without your express consent.
Fully Segregated
Your metals are isolated within their own distinct box within the vault. This means they are completely separated from our balance sheet as well as other client’s holdings.
Audited Holdings
Your gold and silver are audited independently by the globally-respected auditing firm, Deloitte LLP, ensuring transparency and adherence to regulatory requirements.
Delivery on Demand
We afford you the flexibility of requesting the shipment of your stored metals at any given time. Simply fill out a delivery instruction and we’re ready to go.
Comprehensive Insurance
We offer fully-insured coverage on your bullion depository metals, providing you with complete protection and assurance.
Trust and Credibility
Our vault provider has developed a proud history of service in the secure transportation and storage of precious metals refined by LBMA-accredited refiners. They are a premier provider of security solutions and logistics, offering services in more than 100 countries worldwide. Specialising in secure transportation, handling, and vaulting services, our provider is a trusted choice for many of the world’s top institutions and corporations.
Flexibility – No Contract Term
A personalised annual storage plan, payable every 12 months that comes with great flexibility. As this rolls semi-annually, if you decide to take delivery in the first half of the year we will refund you the second 6 months you have paid up-front. With each subsequent purchase of metals for storage, a pro-rata storage fee will be charged to make sure you don’t pay any more than you need to.
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Gold held within a pension offers a rare combination of tax efficiency, long-term security, and intergenerational wealth protection. From capital gains exemptions to strategic inheritance planning, pension gold supports a smarter approach to retirement.
SSAS pension contributions can be offset against corporation tax, reducing the burden on businesses. Additionally, both SIPP and SSAS assets are typically shielded from inheritance tax when correctly structured.
This makes gold particularly suitable for legacy planning. For clients aiming to pass wealth to beneficiaries without triggering punitive taxes, gold offers one of the cleanest routes available.
A personalised annual storage plan, payable every 12 months that comes with great flexibility. As this rolls semi-annually, if you decide to take delivery in the first half of the year we will refund you the second 6 months you have paid up-front. With each subsequent purchase of metals for storage, a pro-rata storage fee will be charged to make sure you don’t pay any more than you need to.
Why buy Gold and Silver with Gold Bullion Partners?
Uniquely Personal
Every client deals directly with an experienced personal account manager.
Voice Execution
Our Trading Desk can source the most important gold coins and bars directly through the Wholesale Market.
Buy-back Guarantee
We have In-House selling advantages you will not find on the open market.
Market Insight
Leverage our advantage with real time market insights derived from our first-hand experience.
Secure Storage
Fully Allocated and Segregated. Your holdings will be safely stored at Brink’s vaults located in London or Zurich.
Download our Investor Guide
Explore the wealth-preserving benefits of buying gold and silver as an investment. Start your journey today with our complimentary Investor Guide.
- How to Invest in Gold
- Tax-free Bullion
- Timing and Pricing Considerations
- Our buy-back Guarantee
Storage FAQs
Only physical gold bars are allowed in a pension such as a SIPP or SSAS. To qualify, the bars must be investment-grade with a minimum purity of 99.5 % and fully allocated to the pension holder. They also need to be stored securely in an approved vault.
Gold coins, jewellery, and unallocated gold are not eligible for inclusion. To ensure compliance with HMRC rules, it’s important to buy through a provider that understands the specific requirements for pension gold.
A SIPP, or Self-Invested Personal Pension, is a type of UK government-approved pension that gives you greater control over how your retirement savings are invested. Unlike standard workplace pensions that limit your options to a set list of funds, a SIPP allows you to choose from a wider range of assets, including stocks, bonds, commercial property, and certain physical commodities.
Pension gold can be included in a SIPP, provided it meets HMRC’s criteria. Only investment-grade, fully allocated gold bars are eligible, and they must be stored in an approved, secure vault. Many people choose to hold pension gold in a SIPP as a way of diversifying their retirement portfolio with a tangible asset that can help protect against inflation or market volatility.
A SSAS, or Small Self-Administered Scheme, is a type of workplace pension usually set up by company directors or business owners for themselves and selected employees. It offers a high level of control and flexibility, allowing members to choose from a wide range of investments to grow their retirement savings.
Unlike personal pensions or SIPPs, a SSAS is typically managed by a small group of trustees who also act as members. This structure allows for collective decision-making and, in some cases, the ability to loan funds back to the sponsoring business under specific conditions.
SSAS pensions can include pension gold, provided the gold is held in the form of investment-grade, allocated bullion bars that meet HMRC criteria. This gives members the option to diversify their pension with a tangible asset that can help protect long-term value.
Legally, the gold in your pension is owned by the pension scheme itself. This applies to all assets held in a pension, not just gold. Whether you invest in shares, property, or pension gold, everything is held in the name of the scheme rather than in your personal name. This structure is required by HMRC and is standard across all registered pensions.
However, even though you are not the legal owner, you are the beneficial owner. This means the gold is bought specifically for your pension and is held entirely on your behalf. The bars are fully allocated, which means specific gold bars are set aside for your pension only. These are securely stored, clearly identifiable, and never mixed with other investors’ assets. While you cannot take delivery of the gold while it remains in your pension, you benefit fully from any change in its value as part of your retirement savings.
No, silver cannot be held in a SIPP or SSAS in the same way as pension gold. HMRC only permits investment-grade physical gold to be included in UK-registered pensions. Other precious metals, such as silver, platinum, and palladium, are not eligible for tax-advantaged pension investment.
This means that only gold bars meeting specific purity and storage standards can be used within a pension. If you are looking to add a precious metal to your SIPP or SSAS, pension gold is currently the only option that qualifies under HMRC rules.
At Gold Bullion Partners, we offer a selection of approved bar sizes that qualify as pension gold under HMRC guidelines. Each gold bar is investment-grade with a minimum purity of 99.5%, fully allocated to your pension, and securely stored in an approved vault.
The following bar sizes are available to hold as pension gold within a SIPP or SSAS:
- 5 gram – 22mm x 13mm x 0.9mm
- 10 gram – 31mm x 18mm x 1mm
- 20 gram – 39mm x 22mm x 1.3mm
- 100 gram – 55mm x 31mm x 3mm
- 250 gram – 55mm x 25mm x 10mm
- 500 gram – 65mm x 32mm x 14mm
All bars meet the strict standards required for pension gold and are stored under secure, segregated arrangements. Whether you are making a small initial allocation or building a larger position over time, our team can help you choose the right bar sizes for your pension.
Yes, holding pension gold in a SIPP or SSAS involves a storage fee. This covers secure, insured vaulting of your allocated gold bars. The fee must be paid using funds from within the pension itself, usually through the SIPP or SSAS’s designated bank account.
To keep everything running smoothly, it’s a good idea to leave a small cash reserve in your pension. This ensures storage charges can be settled easily without needing to adjust your pension gold holdings. Fees are typically charged annually and help maintain the safety, compliance, and integrity of your investment.
While adding physical gold to a SIPP or SSAS is permitted, the process involves strict HMRC criteria, approved storage requirements, and correct asset allocation. A pension gold specialist helps ensure everything is set up properly, from confirming scheme compatibility to sourcing investment-grade bullion that meets HMRC rules.
Gold Bullion Partners works directly with pension administrators, helps clients select compliant bar sizes, and arranges secure vaulting in approved facilities. This support reduces the risk of errors and ensures your pension gold is structured correctly for long-term protection and tax efficiency.