Frequently Asked Questions

The Refined Assets (RAL) gold buying cycle opportunity…


No.  It is an ‘advance purchase’ of gold, in return for an agreed fixed discount/profit.  Think of it like buying an antique or work of art, which you hope to profit from when you sell it. The only difference is that both the period of ownership and the profit is fixed.

A: No. The gold buying cycle opportunity is specifically designed to allow gold to be purchased without being exposed to the risk of market price fluctuations. This is due to the fact that we are purchasing, on your behalf, unrefined gold at under market rates and later in the cycle selling refined gold for a profit.  Furthermore, the gold is sold at a contract rate to pre-determined buyers.

A: Referred to as “the gold buying cycle”, the fixed purchase and sale period is approximately 10 days from the date we receive cleared purchase funds.

New funds being deposited can take up to 21 days to enter a new cycle due to logistics and processes.

A: We look to achieve between 2-4 gold buying cycles per month (not guaranteed).  In the future, as we expand our logistics team, it may possible to undertake more cycles.

A:  At the end of each cycle, purchasers have a number of options, as listed here:

(1) re-purchase with their capital and profit

(2) re-purchase with capital and withdraw profit (or part of profit)

(3) take back capital and profit or

(4) take physical delivery of the gold that they have purchased – please note that some fees/taxes could apply to this option.

A: Clients can make an additional purchase at any time, which will fit into the next available gold buying cycle. The minimum ‘top up’ amount must be £2,500.00 or greater.

A: We work to an average of 30 days following a clients notice of withdrawal to return any profit and/or capital. Withdrawals can be actioned over a 5 day period from the 28th of each month.


Please bear in mind that funds may come to your nominated bank account via international SWIFT payment, which can vary in time frames.

No, you will receive an update on your account at the end of each month (via the client login section). This will highlight the status of your account and the options for the next months’ purchase cycles.

A: Put simply, since the global credit crisis of 2007/2008 Gold Mines have found it increasingly difficult to borrow from traditional banks.  


In conjunction with our partners, RAL provide specialist short term funding to the Gold Mines and in return they have negotiated a substantial discount against the spot (market) price for un-refined gold, which when refined generates a substantial profit.  Clients gain a percentage of those profits.

A: Funds are safely held in a solicitor controlled escrow account which is with a major international bank.  All purchases have strict capital controls in place, which requires sign off by both a Director of RAL and the escrow Trustee.


Furthermore, and at all stages, transportation is carried out on a fully insured basis.

A: All unrefined gold is delivered to our refinery partners located in Dubai, who are internationally respected Precious Metals Companies for refining, authentication and certification.

A: If you are over 18 years old, have your own bank account and can prove your identity, then you can advance purchase gold from RAL.

YOU MUST CONFIRM that you fall in to one of the categories below in order to participate:

investment professional;

high net worth company;

high net worth individual; or

sophisticated investor,

All of which are defined by the Financial Conduct Authority (“FCA”) Handbook (particularly COBS 4.12) and the Financial Services and Markets Act 2000 (Promotion of Collective Investment Schemes) (Exemptions) Order 2001 (accessible at:

As a result of the above, RAL have to adhere to and conform with the frameworks as set out under the UCIS (unregulated collective investment scheme) & NMPI (non-mainstream pooled investments) rules.  Further details of which can be viewed by visiting or

Unfortunately, this Project is not available to retail customers.

A: Prior to your application being approved, you will be required to complete a simple one-page registration form, which can be found by clicking on the following link:


A copy of your photo ID (passport or driving licence) and a copy of proof of address (eg. recent utility bill) and bank statement dated within the last 3 months will also be required in order to undertake full AML/KYC. (Anti Money Laundering and Know Your Customer checks are undertaken by Veriphy Ltd - an industry leading, award winning provider of personal and business vetting.

A: We have established multi-currency banking arrangements. Purchases  can therefore be made in GBP and US Dollars.

A: The minimum purchase value is £25,000. Subsequent purchases (or top-up’s) can be made in minimum increments of £2,500.00.

A: No, your application is carried out online and via the registration link shown on this website.  All required AML/KYC documents are uploaded in the same section and subsequently added to our AML parters portal ( where the individual and corporate checks take place.  Following these checks, you will be notified of the outcome.

A: The purchase invoice will be sent to you via email and contains all the banking details needed for you deposit your funds into our solicitor controlled escrow account.

Specifically, the bank account details for GBP & USD payment options, along with the Invoice reference, which must be quoted on the online banking payment reference (e.g. Joe Bloggs Inv. Ref 123456).


Your Account Manager will help you with the process and make sure that funds are sent correctly.

A: Please contact us directly for further details.