In general, we suggest you purchase the denomination that sells best in your chosen market. All markets offer bars, which are generally considered to have the best liquidity internationally.
 

HAA is a financially secure, stable business. However, we believe our customers deserve additional assurance that their assets are safe and secure, so we have entered into a three-way agreement between HAA, GBI, and each of our vaulting partners (Malca Amit, Brinks, and Loomis). These specify that the metal held in HAA's account at each vault location is owned solely by HAA's customers and is stored for the customers' benefit.

Should either HAA or GBI become insolvent or otherwise be unable to perform its business duties, the surviving entity shall step in and assume the other party's responsibilities with respect to customer metal. The vaulting partners understand and have agreed to take direction from the surviving entity, which will direct the vault according to each customer's instructions.
 

Metals purchased in one region can only be stored in that region; however, you can take delivery from any region with minimal restrictions. For example, if you buy bars for storage in Zurich, you must store them in Zurich. Then you can have them shipped to your address of record (and you may change your address of record if you'd like to take delivery at a different location, including an overseas location). You cannot buy bars in Zurich and have them shipped to London for storage.
 

Trades can take up to two full business days to settle. By default, once your trade has settled, the proceeds of any sale are deposited in your core account. From there, you may use the funds to purchase other assets or have them sent to you via check or wire.