Where bullion and metals exposure can sit within registered accounts, and the constraints that come with each.
Daniel Osei · April 11, 2026 · 6 min read
Account structure matters more than product
The same exposure held in a registered versus a non-registered account can produce materially different after-tax outcomes over a retirement horizon.
Registered plans have specific rules about eligible investments. Confirm eligibility before committing, not afterwards.
Sizing for a decumulation phase
Assets that pay no income behave differently once you are drawing down rather than contributing. Sequence-of-returns risk deserves explicit attention in the plan.
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