The Bullion Exchange

The Victoria Bullion Exchange is pleased to announce we can now purchase Precious Metals through our RRSP’s and LIRA’s. Questrade, the first brokerage in Canada is the vehicle which offers contributors to directly place gold and silver bullion in their RRSP's

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As of 2005, the Canadian Revenue Agency (CRA) now allows Canadian RRSP’s and other retirement vehicles to invest in pure investment-grade precious metals coins.  Other major Canadian banks only offer gold and silver certificates, which provide no real protection in case of a major recession or dollar collapse.  

Questrade offers the ability to hold physical gold and silver as part of an RRSP, TFSA and other retirement vehicles.  Questrade seems to be the best option for 2 reasons: 

1.    They have the best pricing

2.    They allow you to purchase your metals from The Royal Canadian Mint

Whether it’s planning for the future or otherwise, there are many factors to consider when deciding how much gold to include in your retirement portfolio. It depends on your age, your tolerance for risk, what other investments you own, and your confidence in the economy and the methods you choose to gain exposure to the precious metal.

Why precious metals?

Because they tend to retain their value more than other assets, precious metals have traditionally acted as a buffer against instability. Market upheavals usually have a lower impact on precious metals like gold and silver than on other assets. Financial experts have always recommended placing about 10% of your funds in precious metals as a prudent strategy.

You can place gold and silver in any of 15 different account types that include registered retirement savings plans (RRSP's), tax free savings accounts (TFSA's),individual or family registered education savings plans (RESP's), life income funds (LIFs) and registered retirement income funds (RRIF's). Placing gold and silver in your RRSP also allows you to trade the metals on the spot market and take immediate advantage of favorable market movements.

• Tax-efficient savings which bolster your future wealth or provide an income.
• Protects against vulnerability in the financial markets.
• Preserves your purchasing power with a diversified pension investment portfolio.

RSP-eligible gold and silver products

The following .9999 fine products from The Royal Canadian Mint can be placed in your RRSP:

Gold

• 1 oz Gold Canadian Maple Leaf Coins
• 1 oz Gold Royal Canadian Mint Bars
• 5 oz Gold Royal Canadian Mint Bars
• 10 oz Gold Royal Canadian Mint Bars
• 1 kg Gold Royal Canadian Mint Bars

Silver

• 1 oz Silver Canadian Maple Leaf Coins (25-coin tubes only)
• 10 oz Silver Royal Canadian Mint Bar
• 100 oz Silver Royal Canadian Mint Bar

Our preferred relationships ensure that clients receive only premium RRSP approved products, directly from The Royal Canadian Mint.  No secondary market product is ever delivered.

The Royal Canadian Mint acts as a custodian, holding your precious metal assets through an exclusive arrangement.

The Royal Canadian Mint is a Crown Corporation owned and backed by the Government of Canada.

Why Questrade?

• First Canadian broker to offer individuals the option of holding gold and silver in RRSP's
• Simple set-up and no hidden fees
• Start with as little as $1,000
• Registered with the Investment Industry Regulatory Organization of Canada (IIROC)
• Member of the Canadian Investor Protection Fund (CIPF)
• Gold and silver for RRSP's stored in the high-security vaults of the Royal Canadian Mint

     To get started please call:

1-416-227-9876

Toll Free:  1-888-783-7866

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How do I hold physical bullion inside my IRA?

Position your IRA for growth and provide a hedge against market downturns by adding Gold or Silver to your retirement portfolio. It is smart, safe and positioned for growth.

The IRA Account

So what is an IRA? Available to investors since the 1974 Employee Retirement Income Security Act, an Individual Retirement Account (IRA) is a savings account with special tax advantages. Since inception, IRA's have played a prominent role in America's retirement preparedness and have become the standard for building household savings over time. In the almost four decades since its creation, the IRA has become a mainstream investment vehicle as more Americans have become eligible, contribution limits have been increased, tax savings have been improved, and different types of IRA strategies have been created.

But despite their many advantages, traditional IRA's give account owners little control over where their money is placed. With most accounts vested in traditional stocks, bonds and mutual funds (paper assets) portfolio diversification can be challenging, leaving many IRA accounts susceptible to market fluctuations and loss of value.

The Precious Metals IRA Advantage

Precious Metals IRA account is backed by Gold, Silver, Platinum or Palladium and is an ideal diversification tool. For instance, a Precious Metals IRA can reduce portfolio volatility and help preserve value and purchasing power despite inflation. Since gold has outperformed the stock market by over 400% in the past decade, a golden IRA from allows investors to increase returns without increasing risk.

You will need to choose between a Traditional IRA and a Roth IRA for your Precious Metal IRA. Traditional IRAs are funded with before-tax fund and will be subject to taxation upon fund withdrawal. Conversely Roth IRA's are funded with after-tax funds. They will not be taxed when the funds are withdrawn. Some investors choose to have both.

• The benefit of a Self-Directed IRA is that you can invest in what you know.
• Your Self-Directed IRA account can buy precious metals, real estate, notes, limited partnerships, commercial paper and many other types of assets.
• The IRA Custodian maintains and updates all documentation relating to your IRA.
• Select a custodian of your choosing to purchase, receive and hold your precious metals. You can roll over existing IRA or 401k into a Metal IRA.
• Once you have opened and funded your metal IRA, purchasing precious metals with The Bullion Exchange is a simple phone call.

Please call 1-888-300-8809.

WHAT'S IN STORE FOR THE METALS IN 2026?

With 2025 finally in the books, gold clocked in with an astounding 65% gain! 
And silver - an astounding 148% gain!

Gold achieved 53 new all-time-record closes in 2025; a full 21% of all its trading days. 

Back in 2011 when the price of metals took a huge tumble in one day, you had to have courage -- and be a little crazy -- to believe that gold and silver were going to rise to record levels in the future.

Today we are enjoying the incredible luxury of having gold, and now silver, already at record heights.

The risk-reward dynamic is in our favor like never before.
 

Moving into 2026

While the new year has only just started, both precious metals have so far extended the gains seen in 2025, with gold and silver currently trading around USD $4,983 oz and USD $103.08 oz respectively at the time of this writing.

Demand-wise, the strength across the precious metals sector has led to record levels of traffic into the Victoria Bullion Exchange.  Meaning trades, calls and inquiries.

Will gold prices continue to increase in 2026? 

Gold and silver aren't just moving today - they're surging on news that has major implications for your wealth.

So far in 2026, gold and silver have made record gains.  So what's happening?

1)  The Department of Justice is investigating Fed Chair Jerome Powell - officially over prior testimony, but the timing tells a different story.

2)  The U.S. government has nearly $10 trillion in debt maturing over the next 12 months, and it desperately needs lower interest rates to refinance that debt affordably.

3)  Markets are reading between the lines.  Investors are responding the only way that makes sense:  selling dollars and moving into hard assets.

4)  Shortages are here

5)  Shipping delays are here

6)  With chronic supply deficits, surging demand from solar, EV'S and AI hardware, and a favorable monetary back drop, silver's dual industrial-monetary story is gaining powerful momentum.

“Gold is money. Everything else is credit.” – J. P. Morgan

• Momentum – winners keep winning: Gold rose again last year, increasing by more than 10% in USD terms. Momentum matters, with the path of least resistance to the upside.
• Silver is cheap relative to gold: In past periods, you have needed barely thirty ounces of silver to afford one ounce of gold. Today you need more than eighty. That suggests silver could outperform gold significantly.
• Interest rates are set to fall: Lower interest rates lower the opportunity cost of owning gold. With rate cuts on the agenda across the developed world in 2025, a tailwind for higher precious metal prices is on its way.
• Recession risk and a falling USD: Despite the fact the world enjoyed reasonable growth in 2025, risks abound, with economic output set to stagnate. That is typically bad for the USD dollar, which can boost gold for local investors.
• Central banks to keep buying: Nation states have accumulated vast sums of gold in the past fifteen years, buying more than 5,000 tons. They will likely add another 400 to 500 tons minimum this year. 
• ETF holders to re-enter market: Gold ETF investors have shunned gold in the last three years. This part of the market moves in cycles. The next leg in that cycle is likely to be investors adding to their gold ETF holdings. History suggests that is bullish.
• Speculators to add to their positions: Speculative investors largely abandoned gold in the last couple of years. There are signs they will soon get back involved on the long side of the market, adding upside price pressure.
• Expensive share markets at risk of falling: Gold is a great diversifier, having traditionally been the best performing single asset class when share markets fall. Given valuations, excess froth (or greed) in share markets, and the cloudy economic outlook, a major pullback in the market would not surprise. If it happens, gold will likely benefit.
• Inflation still a problem: Inflation is no longer at nosebleed levels near to 10% per annum as it was 18 months ago or so. But it is still way above levels that consumers and households can deal with. Investors seeking a hedge against it may turn to gold, as they have in the past.
• Geopolitical risks: Finally, the geopolitical outlook remains sadly fraught. Any escalation in tensions in any number of geopolitical hotspots around the globe could ignite a safe haven bid.

With precious metals marching higher as we head into 2026, many investors are weighing up what percentage of their precious metal allocation they should dedicate toward gold, and what allocation should be dedicated toward silver.

While gold exhibits lower volatility, has delivered excellent long-term returns, has proved a reliable inflation hedge and is the more reliable diversifier in periods the share market falls, there are multiple reasons to be looking at silver as well.

Indeed, if history is if any guide, it will not surprise to see silver lead the way higher in 2025, and through the next precious metal bull market.

POINTS TO CONSIDER FROM THE BULLION EXCHANGE

In reality, there are many fundamental reasons to hold precious metals.  These fundamentals stronger now than at any time in U.S. history:

• Unlimited monetary stimulus
• Unchecked fiscal stimulus
• Runaway national debt levels
• Positive real interest rates after a decade or more of negative real rates
• Interest rates rising the quickest pace in over 40 years
• Dollar debasement and loss of purchasing power
• Higher consumer prices
• Silver is now on the "critical list"
• Currency wars - global competition to devalue sovereign currencies
• Geopolitical conflicts

Remember, gold and silver's value transcend fleeting political cycles.  These metals are not just investments; they are long-term assets that store value and outlast any single election cycle.

The changing shape of global gold demand and supply alongside fundamental structural changes in the precious metal markets will decide the metal’s price in 2026.

1-888-300-8809

www.thebullionexchange.ca