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Why Keep Your Money in an Institution That Isn’t Legally Obligated to Return It?
Understanding the importance of protecting wealth through a precious metals account is essential in today’s financial environment. When you deposit money in a bank, you essentially become an unsecured lender to an institution that may occasionally face insolvency. It’s time to move your savings out of the bank and into a fully insured, instantly liquid bullion account. Canada Deposit Insurance Corporation (CDIC) – Protecting Your Deposits What is the CDIC? The Canada Deposit Insurance Corporation (CDIC) is a federal crown corporation established by Parliament in 1967 to protect deposits in the event that a member institution becomes insolvent. CDIC provides coverage for eligible deposits up to a maximum of $100,000 per depositor, per insured category. Coverage is automatic and free for customers. If a member institution fails, CDIC will reimburse insured deposits, including any earned interest, up to the $100,000 limit per insured category. Eligibility for Deposit Insurance: To qualify for CDIC insurance, a deposit must meet the following criteria:
For more information, visit CDIC's 2021 Annual Report. Why Own Precious Metals? Throughout history, physical precious metals have demonstrated an unmatched ability to preserve and increase in value. Unlike fiat currency, the purchasing power of precious metals has stood the test of time. Analysts like Jim Rickards and Ron Paul predict that the value of gold and other precious metals could increase significantly in the coming years, making them a key asset for wealth generation. In today’s global economic climate, one of the best ways to preserve capital and secure a more stable financial future is by diversifying into physical precious metals. IGV Bullion Accounts - PMI Vaulting IGV’s bullion accounts allow for the purchase of physical bullion, which can be immediately delivered to your home or stored in an insured vault. With our bullion accounts, you gain:
Who is PMI? Precious Metals International, Ltd. (PMI) is a leading wholesale provider of physical precious metals, including gold, silver, platinum, and palladium. With almost two decades of experience, PMI only deals in physical bullion—no futures, options, securities, or derivatives. All products are sourced from Hallmark refineries and are exchange-approved to trade in global markets. PMI works with the most respected storage and security companies in the world, such as Brinks, IDS, The Perth Mint, Strategic Wealth Preservation, Loomis, and Malca-Amit. Clients have the option to store their bullion in secure vaults or take delivery at their preferred location. The product is always available for sale or for use as collateral to access a line of credit. How to Open a Bullion Account To open your own IGV pysical bullion account, visit our landing page, click "Open Account," and follow the steps. If you need assistance, please contact us toll-free at 833-221-4555 or complete our contact form for more information. Rob McInerney President, International Gold Vault Ltd.
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 As we all feel the sting of rising inflation across goods and services, it’s crucial to recognize that only governments stand to benefit from this situation. The gradual erosion of currency value, which once went largely unnoticed, is now at the forefront of global discussions, dominating news channels worldwide. Understanding who controls the value of our currency, what has caused inflation, and how it can be addressed is essential. Over the past two decades, a combination of low-interest rates and excessive borrowing has resulted in Canada’s runaway housing bubble and, most notably, the surge in inflation. So, how does this translate into inflation acting as a stealth tax? As the value of the dollar declines, driven by sustained periods of low-interest rates, the cost of goods and services rises, along with the amount we pay in sales taxes (PST & GST) and now the Carbon Tax. In short, we end up spending more while earning the same. This scenario plays out in an environment of low-interest rates, which flood the market with dollars. Central banks create money and inject it into the system, increasing the money supply and diminishing the value of each dollar printed. Conversely, when interest rates rise, fewer dollars are created, which leads to a reduction in the money supply. This, in turn, requires fewer dollars to buy goods and services. This is a simplified explanation of how sound monetary policy works to prevent inflation and rising asset prices. Protecting Your Purchasing Power: Why Gold and Silver Matter To counter the erosion of our purchasing power, the most effective strategy is to add gold and silver to your portfolio. Without diving into the technicalities of how gold and silver preserve and even create wealth, consider this: Physical gold and silver come with no counterparty risk, they are universally liquid, and their value is driven by supply and demand. You have two ownership options: physical delivery or stored product. One is more liquid and less expensive to own than the other, but your personal preferences will likely dictate your choice. Ultimately, the decision should be based on liquidity. By incorporating gold or silver into your assets, you control a physical monetary metal that has historically moved counter to the US dollar and, under certain circumstances, has even appreciated alongside it. For Canadians, this is especially attractive during times of high or rising inflation. Gold & Silver Price (5-Year CAD Overview)
Written by – Rob McInerney The world is changing rapidly, and we must strive to stay ahead. Money, as we know it, is evolving by the minute, and inflation has significantly eroded our purchasing power, increasing the demand for wealth-preservation assets.
Some investors have already shifted part of their wealth into physical bullion, cryptocurrencies, or other alternatives to safeguard the value of what they've worked hard to build. Whatever asset you choose, it’s crucial to ensure that it maintains a high level of liquidity. With over 15 years of experience in the precious metals industry, I can confidently say that vaulted gold and silver provide unparalleled liquidity, even in times of crisis. The Risks of "Outside" Product "Outside" product refers to bullion that has been withdrawn from approved depositories and delivered to an individual or institution, meaning it is no longer stored in a secure, recognized facility. Once this product leaves the vault, the owner assumes full responsibility for its safety and integrity. This product becomes subject to additional processes, such as assays, fees, and potential delays. If you choose to take delivery of bullion, consider it part of your estate, with no intention to trade or profit from it in the short term. Outside product generally has reduced liquidity compared to vaulted product and takes on a different role. For example, the Perth Mint no longer accepts outside product for storage. Instead, you must sell your bullion back to them at spot price minus assay fees and then purchase new bullion at the current premium to store it. As precious metals prices rise, I believe many storage facilities worldwide will impose similar rules for outside product. If your goal is to preserve wealth and maintain liquidity, ensure your bullion is stored in a legitimate, secure facility with market access. Failing to do so could result in costly mistakes. Need Help? If you have any questions about this post or need clarification, feel free to contact us. We are here to assist with vaulting, delivery, or financing your bullion. Written by: Rob McInerney International Gold Vault Ltd.  “Gold is money, everything else is credit.” – JP Morgan at a Congressional hearing 1912. “Gold is money, everything else is credit.” – JP Morgan, Congressional hearing, 1912 This statement from one of history's most influential bankers remains strikingly relevant today. In an era of financial uncertainty, gold continues to be a pillar of wealth stability. It provides liquidity in illiquid markets and acts as a trusted safe haven, protecting investors against market volatility. Unlike other assets, only gold can effectively shield against inflation and currency devaluation, ultimately safeguarding purchasing power. Understanding gold’s fundamental role in the global monetary system highlights why it’s crucial for all investors to have exposure to this timeless asset. While there are various ways to add gold to your portfolio—through gold-producing company stocks or "paper" gold products—the only true safeguard for your wealth is through physical bullion. International Gold Vault Ltd. (IGV Ltd.) offers investors the opportunity to purchase and store physical gold, silver, platinum, and palladium in both bulk and 1-ounce increments. Whether stored or delivered, owning the physical commodity ensures the integrity of your investment and eliminates all counterparty risks. In contrast, “paper gold” assets—such as bank certificates, ETFs, futures, and crypto-bullion products—carry risks like theft, jurisdictional issues, suspended redemption, and even potential government confiscation. These risks are unacceptable, and it’s precisely these dangers that real precious metals, particularly gold and silver, help to avoid. How Physical Ownership Reduces Risk
Once your bullion is purchased, it can be stored in one of IGV Ltd.'s contracted vaults or delivered to a location of your choice. For those choosing personal delivery, an assay will be required upon liquidation, which may incur fees and potential delays. However, bullion stored in the contracted vaults is fully insured and does not require an assay process. We recommend delivery only for investors who do not plan to liquidate their gold in volatile markets. I have been involved in the precious metals market for over 18 years and am pleased to share my knowledge and experience with you. Rob McInerney President, International Gold Vault Ltd.   When I look back at the last 11 years, I can’t help but to think of how fortunate I've been to have developed such a strong friendship and bond with my clients new and old. Thank you all, for your trust, kindness and perseverance. I could not have started International Gold Vault Ltd. without the confidence and support of each one of you. The precious metals markets have definitely tested even the most seasoned gold and silver bull over the last several years. Looking forward, recent market volatility and the ongoing foreign central bank gold acquisitions along with a push towards global de-dollarization. I suspect a reversal in precious metal price action is imminent. It's my opinion, that one of the main contributors restricting precious metals price action has been the ongoing trade/currency war between China and the United States. Look for future negotiations along with China's actions to influence the direction of the U.S. dollar and CNY and ultimately how it impacts golds direction on this front. It is also important to note, Federal Reserve chairman Jerome Powell’s background in law presents a new set of challenges to markets. The last two Fed chairs were both economists, Janet Yellen and Ben Bernanke both hold a PhD in economics. At first glance this may not seem to have any bearing on how they chair the federal reserve, but Powell retains a linguistic tactical advantage. Last week, Powell delivered a speech at the Economic Club of New York and the market exploded after the speech buying into the prospect that the Fed was considering a monetary policy change. But, here’s exactly what he said, “Interest rates are still low by historical standards, and they remain just below the broad range of estimates of the level that would be neutral for the economy.” Of course, initially the markets interpretation of “just below” was an indication that the Fed was nearing the targeted overnight lending rate and rate hikes could soon be coming to an end. Based on the first week of Decembers trading activity, it appears markets have correctly understood his message, the hikes will continue. Considering the Fed is using old and obsolete tools to compile data and predict markets, expect them to continue raising rates until something breaks. The strategy is simple and desperate, raise rates above 4% so they can cut and goose the economy out of a recession keeping rates above 0%. Unfortunately, if the U.S. falls into recession before rates normalize, the Fed will be forced to aggressively cut and launch a fresh round of QE….and the cycle continues. I expect this time things will be very different and old tactics will not yield the desired results. U.S. and Canadian housing market sales have begun to cool due to higher rates and lending requirements, stock market volatility has also increased on the heels of steady rate hikes and quantitative taper. Despite these obvious signs of weakness and instability, the Fed continues to remove vital market liquidity. There is a significant amount of discussion surrounding global de-dollarization. (the process of removing the U.S. dollar as the world reserve/trade currency) For those not well versed on the global monetary system and how the world uses it for trade I’ll keep this super simple. First, there is a very high probability that the current monetary system as we currently know it is about to undergo a global overhaul or reset. This is not unusual considering it has already happened three times in the last 100 years, 1914, 1939 and 1971. This reset will have an impact on the value of currencies worldwide, so we must all be prepared to preserve our wealth. It is a central banks job is to control a countries monetary policy, it should also be known that (some) are accumulating gold at an alarming rate. This aggressive accumulation in my opinion is being done to de-risk or insulate that countries domestic currency from the coming global monetary reset. In the very likely event that the U.S. dollar loses the privileged designation as the world reserve currency, central banks will require an alternative asset with globally recognized value. I believe the asset of choice will be gold. Based on that prediction, it only makes sense that individual investors and institutions worldwide protect their wealth by dedicating 15-20% of an investment portfolio to a physical gold and silver position. This will be one of the greatest wealth transfers of all time! Should you have any questions about this topic I will be available to connect one on one. Email or contact me directly by visiting my website. In anticipation of a significant market event, it is important for investors to remain calm and keep a clear head. Fear and panic will only confuse and bring about poor decision making which can quickly devastate a portfolio. Take a moment now to review all your investments, access risk and reduce or minimize that risk. Contact you adviser or broker and ask them to clarify your current positions and outline the potential risks. Avoid margin! Markets fall quickly and this is not the time to test your luck with open margin accounts. Lastly, recognize an opportunity. When markets crash there are winners and losers, make sure you are strategically positioned to capitalize on the sectors that end up oversold. If you have any doubt or questions about your investments, please don’t hesitate to contact me directly. I work with experts in every sector, someone from my team will assist and offer clarity free of charge. Finally, a summary of the services International Gold Vault Ltd. offers and why we are the best option for precious metals investors. Zero buy/sell commissions Low cost private storage Instantly liquid 24/h Quarterly third-party audit Access to vaulted holdings International/domestic delivery Allocated Product liquidation 24/7 support staff Get started, visit www.internationalgoldvault.com Written by: Rob McInerney   I'd like to thank all those who have supported International Gold Vault Ltd. over the last year, without you we wouldn't exist. This company was created to offer our clients a very transparent and low cost tool for owning and trading physical precious metals unlike any other company. Our years of experience and strategic relationships with experts in refining, vaulting, shipping and even mining provides us with the ability to source, deliver and store safely and efficiently.
In an effort to celebrate our first anniversary we'd like to give away a 5 gram gold bar! (approximate value $225 US) All you have to do is visit our application page, submit your application, deposit bullion or fund your new precious metals account and you'll be entered to win! The draw will take place Monday, November 19th. Due to an overwhelming response we've decided to extend this opportunity until the end of 2018! Good Luck! Rob McInerney [email protected]  It’s no secret that everyone loves summertime and the summer holidays often planned during those months. That wonderfully relaxed pace, ice cold drinks on a sweltering hot patio, sun beating down day after day giving us this numb sense that all is right in the world. But this post isn’t about longer days and that overwhelming urge we all have to cut out of work early and catch those last couple hours of sunlight. It’s about the phenomenon traders refer to as “summer doldrums”. This is a time of year when markets are lightly traded, the usual market makers are on holidays or taking an early or extended weekend. These conditions all add up to a market that tends to act uncharacteristically and often moves in one direction or the other are much more exaggerated. Although, it is impossible to identify exactly when these exaggerated moves are going to occur or why I personally like to exploit those opportunities whenever they arise. Currently, gold and silver are suffering their 7th consecutive week of decline and very quickly approaching if not already in oversold territory. I should remind you, our company (International Gold Vault Ltd.) doesn’t charge costly commissions and offers a very competitive spread meaning the opportunity to exploit and profit from these conditions is quite favorable. One factor to consider is the unpredictability of President Trump and his current/very public global trade war agenda. I get the impression that he’s making every effort to turn the world against the U.S. and its privileged currency. When we look at the insurmountable debt load in the U.S. (currently $21.2 trillion) what would be the best avenue to solvency perhaps Insolvency? If Trump can convince the world to turn their back on U.S. dollars as a trade currency, governments worldwide will have an alternative to costly dollars to conduct trade. The likely outcome, an inherently weaker U.S. dollar. I believe an extremely weak U.S. dollar would enable Trump and his team to negotiate the current U.S. debt obligations in an orderly fashion unlike the situation in Venezuela which has spiraled out of control. (Venezuela was the richest country in South America 2001 now with 25K% inflation the countries virtually insolvent) "boy, that escalated quickly". The challenge for Trump and his team is to instigate a loss of confidence vote in the dollar, negotiate global debt obligations and simultaneously have a plan in motion to renew confidence in a “new dollar” most likely backed by some percentage of gold and tied to the IMF’s currency utilizing “distributed ledger technology” aka blockchain. Even a slight surge in global gold demand would send prices significantly higher and in short order. Physical gold supplies are very tight, Jr. mining companies have been under pressure for the last 6 years limiting production. Get ahead of the crowd, early is much better than late so position yourself now. Don't wait. Sound a little far fetched? I'd recommend everyone read James Rickards books “Currency Wars”, “The Death of the Dollar” and pre-order his latest due out October 30, 2018 “Aftermath”. I’ve ordered mine! Interested in learning more about International Gold Vault Ltd. and how you can take get started visit our site www.internationalgoldvault.com Enjoy your summer! Written by Rob McInerney  There is no denying that “a chain is only as strong as the weakest link” the same principle applies to a financial portfolio. Over the years I’ve had the privilege of working with experts in different sectors of finance and we all share a common understanding; investment portfolios must be diverse in assets and properly managed.
As markets continue to evolve and new products and strategies arise your portfolio must adapt and adjust to capitalize on these opportunities. Business owners in Ontario have seen a serious government crackdown on corporations imposing heavy tax consequences when drawing income. Fortunately, there are experts on my team that can assist in strategically structuring how you draw income that significantly reduces the tax burden. If you own a corporation, I’d recommend you get in touch with us as soon as possible, we can help! My home is my ticket to retirement, one of the greatest financial safety fallacies of all time. “Own your home and it’ll fund your retirement” I’m sure we’ve all heard this over the years. Sadly, that concept couldn’t be further from the truth. My father, a wealth manager with 37 years experience and owner of WMS Financial loves to ask this question at his seminars. “If you won a million dollars, would you go into your back yard, dig a hole and bury the cash in the ground for 25 years?” the most common reply is no. “If you own a home, then that’s exactly what you’ve done.” Considering the cost of fuel, real estate, food and energy, along with day to day expenses associated with life we need to invest more strategically. The team at WMS Financial can help you make that equity work harder in a secure environment maximizing tax efficiency and ROI. Interested in finding out more about how WMS Financial can help you, send me a message and I’ll put you in touch with them today. Inflation and the prospect of de-dollarization. Central banks worldwide are racing to devalue their respective domestic currency so we all need to recognize how this impacts us. Inflation, a silent killer that slowly erodes purchasing power forcing families to downsize their lifestyle accommodating this hidden agenda. Think about it like this, when a central bank lowers its interest rates the value of that currency declines. The result, its citizens (holders of that domestic currency) must spend more for the same goods yet tax rates remain the same. This process increases tax revenues transferring wealth to government and penalizes the consumers. Thankfully, there is a simple way to easily hedge your income and protect your purchasing power without limiting liquidity. Global de-dollarization. It’s no secret that President Trump’s latest tariffs has only intensified the global trade war. Therefore, just like kinetic wars, financial wars come with devastating consequences. China and Russia have very publicly established a new Yuan denominated method for conducting trade bypassing the currently privileged trade currency USD. https://www.rt.com/business/423930-russia-china-dollar-trade/ Christine Lagarde, Managing Director of the IMF has recently stated “the same innovations that power crypto-assets can help us regulate them. Purpose built distributed ledger systems could help regulators, governments and markets share information more easily. Combined with other technologies, like biometrics and AI, this approach could help us remove the pollution from the crypto-ecosystem.” https://www.technologyreview.com/the-download/610533/the-head-of-the-imf-wants-to-turn-blockchain-technology-against-itself/ Translation, IMF is looking at blockchain technology as a future for transacting international trade, one more nail in the coffin for the USD as the world trade currency. It is very important to identify the opportunity by anticipating the biproduct of such a historical event and position your portfolio accordingly. Currently all commodities are traded in USD globally therefore all countries are required to hold a reserve of U.S. cash to conduct trade. Ultimately, as countries begin to identify the transition or more appropriately global de-dollarization, their appetite for holding USD will diminish along with the U.S. dollars value. This exodus will most likely lead to a surge in commodities priced in USD prior to any formal implementation of a new trade currency. My suggestion, own precious metals in one of our partners vaults which ensures instant liquidity. All International Gold Vault storage accounts are registered in a bail-in safe jurisdiction. Benefit from the surge but remain liquid to exploit opportunities in other depressed asset classes. To summarize, my 15 + years experience trading physical precious metals has provided me with the strategic relationships required to offer the very best and most competitive pricing on physical gold, silver, platinum and palladium. Working with International Gold Vault Ltd. offers the opportunity for clients to seek the advice of portfolio experts including my my brother Ryan McInerney, Founder of DevCap, Klint Rogers, Private Market Specialist, VP Investor Relations for MY Capital & Obsidian Advisory Group. Michael Sidhu, 360° Wealth Strategies & Solutions Inc. Written by – Rob McInerney [email protected]  It's imperative for us to recognize how to financially survive a world of irresponsible monetary policy and excess debt. With fuel prices, food prices, home prices, and stock markets all at or near all-time highs many of us wonder if it'll ever come crashing down or will everything soon be out of financial reach for the middle class? For the answer, we simply must explore the reasons why prices are so high and what we can do to insulate ourselves from further deterioration of our wealth.
First, for anyone living outside the United States and earning income in your countries designated currency we need to look at how it stacks up against the "world reserve/ trade" currency the U.S. dollar. For all my fellow Canadians I'll use the loonie, a great example due to its perceived strength. I remember my friend Jim Rickards saying, " the only thing backing fiat currency is confidence once lost, it's impossible to get back." Canada is on a very slippery slope, low-interest rates, high cost of living and food prices and no room to raise interest rates without causing a recession. I've illustrated in a previous article the strength or weakness of the Canadian dollar comes from the Bank of Canada's ability to manage the overnight lending rate (currently 1.75%) typically if an economy is running too hot (high prices across the board) it is BoC's job to hike rates and strengthen the loonie. Unfortunately, the BoC cannot normalize interest rates due to average Canadian households being overburdened with debt. ($22K average per person) Without those rate hikes, the Canadian dollar will continue to weaken against the U.S. dollar causing higher and higher inflation. The impact will be devastating for fixed income households that simply cannot keep up with the cost of living not to mention the domino effect on housing prices. Consider the conundrum the bank of Canada is currently in, our dollar is losing value against U.S. dollars causing us to pay more for everything we import including fuel. The counter to that is to raise rates and strengthen our currency but that will cause a recession and most likely a housing market collapse. They can leave rates the same, delay the inevitable and watch the value of our loonie slowly erode ultimately causing further inflation and most likely force the BoC's hand into more dramatically hiking rates. Lower interest rates, not an option, that will just accelerate the loonie's decline and risk a full-blown loss of confidence aka Venezuela style collapse. The reality is, all central banks are stuck, the global debt loads are at unseen levels and normalizing interest rates isn't an option. We will see a monetary reset sooner than later if you are interested in finding out more about how that unfolds I'd recommend reading James Rickards book "The Death of Money" available on Amazon. We all need to regain control of our money personally removing the Bank of Canada's privilege of managing the value of our currency in one simple step. Open a physical bullion account with IGV and convert a percentage of your weekly/biweekly pay cheques into physical bullion implement your own personal gold standard. Focus on adding ounces to your overall portfolio as a form of non-currency based liquid asset. This will help to offset the loss of purchasing power while growing a golden nest egg of liquid wealth that can be accessed instantly in a time of need. Visit www.internationalgoldvault.com today and find out more about how you can get started today. There are no minimums to get started, an independent trading platform available for those interested in trading physical gold, silver, platinum, and palladium in one-ounce increments. Financing available! Written by, Rob McInerney The misconception is gold isn’t a viable investment option because it has no yield, and yet that is exactly why gold is such a necessary component to an investment portfolio. Yield is derived from risk, without risk there is no yield. Think about the money in your wallets, it does not yield without counter party risk. A great example is a bank. When you buy a GIC you get a rate of return based on the time you lend your money to the bank. What is the risk? The banks ability to return your investment plus the interest you’re earned by lending them your money over time. This seems like a fairly “secure” method form generating return on your investment but considering there were eight (8) failures in the U.S. in 2017 and 5 failures in 2016 and a further 8 in 2015 risk certainly exists. It’s also important to keep in mind these failures occurred with virtually no market stress. Its important to remember when you deposit funds into a bank the depositor is no more than an unsecured lender to what he believes is a “solvent and safe” institution. Ironically, we still believe that when things get tough and markets plummet they’ll have our money secure. I can assure you they will not! Without warning these same institutions can legally, “lock the doors” and lock you out of your accounts withholding any investments within. This action is called “bail-in” and it has been enacted to protect the banks and prevent another liquidity crisis like the one in 2008. With physical gold no such risk or safety concerns exists. How do you create yield in gold without adding significant risk? By efficiently trading the highs and lows in the gold market. This is important given most gold owners typically employ a buy and hold strategy which leads investors to question the annual cost of “holding” precious metals. International Gold Vault can place immediate buy and sell trades on any market worldwide providing the very best in liquidity and market access. Low supplier costs and zero commission on every trade. Furthermore, the average cost per trade on physical gold buy is $11.00 making it easy to buy and sell for profit, generating yield. The risk being the client’s ability to buy dips and sell highs. Clients of International Gold Vault can place immediate buy and sell trades on any market worldwide providing the very best in liquidity and market access. Written by Rob McInerney  |
AuthorNews & Updates are written by myself or when shared from the industry, credit is always given to writer. Rob Archives
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