Vaulting vs Home Storage - What Do You Do?

15 February 2026

Been thinking about this a lot lately as my stack grows. I've got about 15oz of gold and 200oz of silver at home in a safe. Starting to feel like it might be worth looking at professional vaulting services but the annual fees eat into the investment. The peace of mind is tempting though - no worrying about break-ins or fire. Plus some vaulting services offer insurance that would cost a fortune to get separately. What's everyone else doing? Home safe, bank safety deposit box, or professional vault? At what point did you make the switch?

Discussion

Home safe for me at the moment but I'm starting to think about this too. Once you get past a certain amount the risk of keeping it at home outweighs the storage fees. I reckon around 20-30oz of gold is where it makes sense to start vaulting. The insurance alone would cost you a bomb to cover that mu
I split mine between home and a safety deposit box. Best of both worlds really. Keep a few favourites at home that I like to handle and the bulk goes in the box. Costs me about 300 quid a year which is nothing compared to what I've got stored in there.
Professional vaulting is the way if you're serious about it. BullionVault charge 0.12% per year which is really competitive. Plus they're LBMA accredited. The only downside is you can't hold the gold in your hands which takes some getting used to!
Absolutely agree with your dilemma, mate. I reached that point with a similar stack value years ago. The peace of mind from professional vaulting is worth every penny of the fees. Sleeping soundly knowing it's safe from fire or theft changed everything for me. You won't regret it.
You're spot on, mate. The fees hurt, but that peace of mind is truly priceless. After my home was targeted a few years back, I shifted my core stack to a vault. Never regretted it.
Right, consider your home insurance. Once you hit that sort of value, most policies won't cover your bullion in a break-in or fire, even in a safe. The thought of losing it all uninsured made vaulting an easy choice for my bigger pieces. That peace of mind is genuinely worth the annual outlay.
Funny, my mate's home safe got cracked last year, took everything. That pushed me to vaulting. The fees sting, yes, but sleeping soundly is priceless. My top tip: insist on allocated storage, not just pooled metal. It protects *your* bars, not just a promise of metal.
Feeling that pinch myself, mate. My home safe is getting rather cosy, and after a break-in attempt last year, I genuinely wondered if my neighbours thought I was running a dodgy pawnbrokers. Those vaulting fees feel like a tax on good sleep though, don't they? It's a proper dilemma.