FAQs

Goldie is changing the face of investing, by lowering the barrier for kiwis to invest in real things.

We’re starting with precious metals and expanding into other real assets such as art and high-value collectibles in the future. Goldie is a New Zealand first and is driven by purpose, we provide access to everyday investors who have been excluded from the real asset industry. 

We've set out to change the face of investing, giving everyone in Aotearoa the chance to in invest in real assets for the first time, for as little as $1.

When investing with Goldie there are two separate companies involved - Goldie Vaults Limited and Goldie Nominee Limited..

Goldie Vaults Limited operates the fractional asset trading platform, employs staff and makes sure everything keeps ticking on the back-end.

Goldie Nominee Limited holds the physical assets and investors’ money on your behalf, and works with Catalist Marketplace to execute the trades in their regulated marketplace.

Catalist is New Zealand's alternative stock exchange that connects everyday investors and Kiwi businesses. Catalist executes Goldie trades through their licensed public Market (Catalist Public Market).  https://www.catalist.co.nz/

We have a web app which means you don't need to download another app to get lost on your home screen - Check it out app.getgoldie.co.nz

The web app makes it super easy to access your digital vault, deposit money, and buy and sell. 

If you do want an icon on your phone homepage…we can do that too. Check out this handy link on how to save the Goldie web app to your home screen [LINK HERE] 

We are launching with gold and will be introducing a bunch of different real assets soon. Have an idea for a real asset you’d like to be able to invest in? Let us know - support@getgoldie.co.nz  

Easy, all you need is your email. It’s free to sign up and explore. You’ll be able to browse our platform, your digital vault & learn a little more about Goldie.  

Before you can start investing, we need to verify your identity, this only takes a few minutes and can be done on your phone with a NZ driver's licence. We also want to get to know you, so we ask a few quick questions to collect information as part of our anti-money laundering obligations. Yes, it’s the admin part, but we’ve done our best to make it as easy as possible. 

Rules: You must be over 18 to open a Goldie account and start investing…. But we haven't forgotten about the kids! We’ve built a great feature so you can set up and manage a vault for kids to help start them on their investing journey.

Once you are verified, you can use one of our payment methods to deposit money into your digital wallet. 

You’ll have a unique code that you must add to the ‘Reference’ field if you’re using the bank deposit option to make sure your money goes into your Goldie digital wallet.

When you sign into Goldie you’ll be able to see all of your deposits and transactions. There are no charges to deposit money via online banking and only on-charge the small fee for using the instant top-up options through POLi, and Stripe payments. We deal in NZD so no pesky exchange fees either.  

Absolutely! It’s your money after all. We ask you to confirm the account number before sending money back to you, and the bank account you made your first deposit from will be registered on your account.

We may ask you to further verify your identity again before withdrawing funds to make sure it goes to this right place.

Want to change the bank account registered on your account - send us an email at support@getgoldie.co.nz  

With some promotions, you may have a restriction on when you can withdraw money we have gifted to you. This helps keep you and us safe from nasty money laundering practices.

If you receive a Goldie gift voucher, you will need to invest this before you can sell the investment and withdraw the funds. This helps ensure that the gift is invested as the gifter intended. 

We’re on a mission to make investing in real things super simple and rewarding for everyone, novices, and specialists alike. Goldie is here to help you get started or keep building on that nest egg.  As always, we recommend that you get independent advice as needed to ensure you fully understand any investments you make.

All Investing involves risk. You are not guaranteed to make money, and you might lose the money you start with. It is super important that you understand the risks associated with investments generally and with Goldie, check out our offer sheet for more info to help you make an informed decision. 

With Goldie, it’s easy to open a vault for your little ones. These vaults are connected to your own account until you decide to pass it over to the child (once they are at least 18). Contact us at Support@getgoldie.co.nz for help doing this.

Goldie purchases 1kg Gold bars that our clever platform fractionalises into 10,000 pieces so you can get started with less.

1/10,000th of a kilogram is called a ‘decigram’ which depending on the price of gold at the time you invest is the minimum amount… At the moment, this is approximately $10 – about the same as your triple shot, decaf, mung bean milk latte with pumpkin spice. 

If something were to happen to Goldie, your investment is safe as it is held in an independent company, separate to Goldie Vaults Limited. Physical gold held by Goldie Nominee may be liquidated and you would receive the value of your investment at the market spot price at the time of liquidation.  

Goldie has regular security testing done and encrypts all information, we also offer optional multi-factor authentication through the platform that users can add as an extra layer of security to protect their information.

Yes, at this stage Goldie is only available to New Zealand investors with a valid government issued I.D.

No, currently we only accept New Zealand Dollars through our available purchase methods in the Platform.

Goldie isn't a scam, we’re the real deal built by real people right here in NZ. Goldie operates through the Catalist Public Market which is a regulated financial marketplace - check out more on this here - https://www.catalist.co.nz/

Goldie doesn't provide tax advice and we recommend that investors get specific advice as it relates to their own investments and situation.

Yeah… why not. Let us know if you would like to and we can work with you and NZ Vault to arrange a suitable time.

You can buy whenever it suits you – because the physical gold is held in New Zealand you can place an order 24/7. Orders are executed daily through the Catalist Public Market.

Goldie and Catalist work together to securitize the physical gold, and issue shares this means you own equity shares in a company that owns the gold, this is the safest and easiest way to manage fractional ownership in physical things.

Gold has proven over centuries to be a safe, secure and reliable investment. In times of economic uncertainty, gold has been key in helping to diversify portfolios. 

Our platform makes it faster, safer and cheaper than ever before for retail investors so it felt like a great place to start. 

We don't muck around when it comes to keeping your investments safe, we only store and insure the gold in the most secure vaults in NZ. Our partners NZ Vault have been operating NZ's safest Treasury grade vaults since 1931... So they know what's what when it comes to security, including 24/7 monitoring and controlled access at all times.  

Yes - All assets are insured at replacement value, meaning if something ever did happen your investment is protected.

Goldie only deals in investment grade bullion that is 99.9% purity, this means it is at least 99.9% pure Gold.

The price of gold fluctuates and is determined by the international market, this means that the value of your investment will change and can go up or down.

Goldie purchases Gold Bullion through NZ Vault who sources it from around the world, this relationship means we can source the best quality bullion at a great price.

Not yet, but if this is something you’d like to be able to do - let us know at Support@getgoldie.co.nz.

Goldie’s Fees

Goldie’s fees were designed to disrupt the industry, offering market rates without middleman costs. With low commission & storage fees, Goldie is the best platform to invest in real gold, no matter the size of the investment.

Goldie Beta 2.0 (things just got better)
After 8 months with gold, we have a new metal joining the vault… silver! Meanwhile, we've listened to all your amazing feedback & improved the fee model to reward our engaged users.

Commission

When you invest with Goldie, you pay:

• 0.89% commission + $1.5 trade fee/admin on purchases

• 0.50% commission + $2.5 trade/admin fee on sales

This is a flat fee, so you’ll pay the same rate on a $10 investment as you would on a $10,000 investment. As an additional perk, all auto-investors won’t be charged the $1 trading fee.

As you can see, our commission is significantly lower than the industry. Our model was built on having the best rates & Aotearoa getting behind us, so spread the word (you'll see there's a reward when you do). Later this year we plan on bringing in a tier/perk model that again, will better reward our engaged investors. Watch this space.

Storage and Insurance

We’ll reduce the vault fees from $1.50 per month to $1.25 per month and removed the $300 vault minimum. The additional storage & insurance charges will now be determined by the items in your vault:

• Gold: 0.33%

• Silver: 0.6%

Why are the fees different for gold & silver?

Even though both gold and silver bars weigh 1kg, gold is denser and more valuable per unit of weight compared to silver. This means gold takes up less space and has a higher value concentration, leading to lower storage and insurance costs per unit value.