Why S.T.A.R. Grams Are a Smarter Way to Accumulate Precious Metals

With gold and silver prices rising sharply — up 28.5% and 25.8% YTD, respectively — investor interest in precious metals has surged amid global uncertainty and persistent inflation concerns. While traditional bullion bars remain the trusted store of value, they come with limitations such as fixed purchase sizes and wider bid-ask spreads for smaller bars.

S.T.A.R. Grams, Silver Bullion’s innovative solution, addresses these challenges by making it easier than ever to accumulate gold, silver, and platinum flexibly and cost-effectively, while maintaining the transparency and legal title ownership that comes with owning bullion.

What Are S.T.A.R. Grams?

S.T.A.R. Grams set new standards by selling specific portions of physical bars to clients. No S.T.A.R. Grams can be sold if gold is not added to the backing first. This ensures the system is always more than 100% backed, and the bar photos can be viewed publicly.

You can buy fully allocated, fractionalised precious metals starting from:

• 0.5 grams of gold (~ USD $56)
• 0.5 grams of platinum (~ USD $21.50)
• 25 grams of silver (~ USD $30.40)

Whether you're new to precious metals or a seasoned investor looking to diversify, S.T.A.R. Grams lets you invest exactly the amount you want — no more being locked into full 1 oz, 100 gram bars or other standard bar weights. Unlike paper precious metal products, S.T.A.R. Grams are backed by physical bullion that you legally own.

Key Advantages of S.T.A.R. Grams

Tighter Spreads Than Most Retail Physical Bullion

One of the most compelling reasons to buy S.T.A.R. Grams is the low fixed spreads, regardless of purchase size. The spread is the difference between the buy and sell price.

S.T.A.R. Grams spreads are as follows:

• Gold – 2%
• Platinum – 3.5%
• Silver – 4%

These spreads are even lower than those for buying retail bullion bars.

For example, compared to a 50-gram gold bar worth about USD $5,640 right now, which has a spread of about 3.85%, S.T.A.R. Grams buyers can buy a minimum of 0.5 grams with only a 2% spread. This spread difference is even better for silver, with a minimum of 25 grams of S.T.A.R. Grams having a spread of only 4% compared to the current 9.73% spread when buying the 1-kilogram silver bar.

S.T.A.R. Grams’ tighter spread advantage means that you get more metal for your money, even when investing small amounts.

Always Sell at the Spot Price

With physical bullion, sellback prices are typically quoted below the spot price during normal market conditions. In contrast, S.T.A.R. Grams have no sell discount and are always bought back at the spot price, resulting in higher buyback values than most physical bullion.

True Ownership – Not Just Paper Claims

Unlike ETFs or paper gold assets, S.T.A.R. Grams represent ownership of specific portions of physical LBMA bars tracked in real time at our vault in The Reserve via our GramChain asset tracking system. You own a portion of a large physical bar that is authenticated, securely stored and independently audited — not a derivative, not an IOU (“I Owe You”).

The bullion is not on our balance sheet and can be publicly audited anytime via the public Ownership List. This list shows anonymised client accounts, the fractional quantities of uniquely serialised bullion, and the photographs of the bullion segregated in the vault. Our GramChain system immortalises data hash signatures of stored bar events to a public blockchain to provide exceptional tamper evidence to protect buyers further.

Example of a S.T.A.R. Grams gold bar photograph that is available on the Ownership List

Bullion Storage is Taken Care of For You

S.T.A.R. Grams are fully backed by fully insured investment-grade precious metals stored in Silver Bullion’s high-security vault, The Safe House, in Singapore. You don’t need to worry about safe storage, insurance, or logistics — we take care of it all, while you maintain full ownership of the metal portion.

An annual storage fee is charged for the vaulted bullion backing your S.T.A.R. Gram holdings: 0.35% p.a. for gold and platinum, and 0.7% p.a. for silver, with a minimum annual storage fee of 0.1 gram for gold and platinum, and 10 grams for silver.

Your storage fee can be more than covered if you lend cash for an interest return on our Bullion Secured P2P Loan platform. Lenders currently earn average returns of 5–7% per annum, significantly outperforming traditional savings accounts and fixed deposit rates, which typically offer only a fraction of that. In recent months, several USD loans were matched at 8-9% p.a..

24/7 Convenience – Buy or Sell Anytime, Anywhere

You can buy or sell S.T.A.R. Grams online, 24/7. There’s no need to wait for trading hours or travel to a store — just log in to your S.T.A.R. account and buy or sell gold, silver or platinum at your convenience.

Convert to Physical Bullion Anytime

Want to take delivery of your metals? You can convert your S.T.A.R. Grams into full bullion bars at our best-tier pricing and store them under S.T.A.R. Storage or collect them from our Singapore bullion store, offering complete flexibility for your precious metal investment.

You will need sufficient S.T.A.R. Grams in your account to cover the weight of the physical product and its premium. For example, a 100-gram gold bar with a 1.4% premium will require: 100 x 1.014 = 101.4 S.T.A.R. Grams.

Best of Both Worlds

With S.T.A.R. Grams, you get the best of both worlds — the security and ownership of physical bullion, with the flexibility, affordability, and ease of online investing.

If you plan to accumulate precious metals, S.T.A.R. Grams offers a smarter, lower-cost way to expand your holdings — whether you're buying a few grams or a few kilograms.

Start stacking smart. Start with S.T.A.R. Grams. Apply for a verified S.T.A.R. Account online* today to accumulate precious metals with S.T.A.R. Grams.