Valores is a product that allows you to buy precious metals as a small investor, on the same terms as a large investor. That means that the price you get is up to 30% lower. It’s main intention is to help you gradually build your wealth, with any level of payment or when you have available funds.

Of course, you can buy precious metals on your own, but as an individual buyer you have to pay higher prices on the market every time and make sure they are stored safely. For small monthly amounts, only limited sizes of investment bars can be available, which have a much higher mark-up on the stock exchange price than the bars that we buy from our strategic partners on extremely favorable terms. In the case of your own purchase, it is also necessary to take care of the sale of precious metals and independently find a buyer who would be willing to buy your metals at the desired price. We take care of all this on your behalf.

For you and for your account, we buy investment bars in physical form, the highest possible purity 999.9/1000 and with the status of “Good Delivery”, produced at the renowned mints, such as Argor, Argor Heraeus, Valcambi, …

The stock of your precious metals is inspected and inventoried once a year by two independent auditing companies, namely by a foreign and Slovenian auditor. Once a year you receive an audit report of saved grams written in your name and not owned by Tim Valores d.o.o.

We are one of the few companies that have the entire stock of precious metals audited by the names and accounts of investors. The stock of each individual investor is inventoried and confirmed in the audit review.

Precious metals are stored under exceptional conditions in vaults with the highest level of security through our recognized partners in Liechtenstein and are insured at 100% of their current market value. Your precious metals are legally, accounting and financially separate from Tim Valores assets. This means that even in the event of the insolvency of our company, your investment is exempt from the bankruptcy estate and is taken over or sold through an audit firm. Find out more.

Fluctuations in the prices of precious metals on the market are a completely normal and desirable occurrence. Due to fluctuations, we recommend monthly investments – as an investor you benefit from the “average cost effect”. If you buy precious metals with a fixed amount every month, e.g. 100€ per month, when prices fall, you can get more metals for this amount than when the price is higher. Price fluctuations occur constantly and the metals you buy cheaper increase your stockpile much more than those bought at high prices.

Of course. The advantage of the Valores savings plan is precisely in its flexibility. You buy whenever you want, for amounts you choose yourself, and you sell metals whenever you want at no extra cost.

You can submit a request for the sale of precious metals at any time via e-mail, or contact the Tim Valores d.o.o. headquarters or advisor in person. The sales form is a simple document where you decide on the amount or number of grams you want to sell. You can sell the saved grams in part or in full, but you can also have your metals delivered in accordance with the general conditions. Depending on the quantity of grams sold, your stock in storage changes accordingly while you can make an additional purchase at any time.