Part of the story: personal reserve

The place where an employee's reward turns into their reserve.

iiplan GOLD® is the employee's personal gold account. This is where the grams of gold they earn through Benefit Gold are credited, and where that reward becomes their own long-term value.

Benefit Gold is the company's decision to reward its best people. iiplan GOLD® is the personal part of the system, where the employee owns and sees the gold they receive, and can keep working with it.

The employee's personal account

Why an employee needs their own iiplan GOLD® account

For a company to credit grams of gold through Benefit Gold, the employee needs their own personal account – just like they have a bank account. By opening one, they become a client of IBIS InGold and get a full-fledged personal account they can use independently of the benefit too.

The employee doesn't get a voucher or an abstract bonus. They get their own grams of gold.

A reward that keeps going

Why the reward doesn't end with the next paycheck

A cash reward often gets lost among everyday expenses. When a company credits grams of gold through Benefit Gold, they appear directly in the employee's personal account and become the foundation of their own reserve.

Grams are credited instantly online, directly from the company's iiplan MAX® account
The employee can see them in their account anytime, 24/7
One reward can combine with the next and gradually grow
The company creates the impulse, but the wealth belongs to the employee

What an employee can do with the gold

The same options as any regular gold account owner

Grams credited via Benefit Gold are backed by physical gold – a 1,000 g cast bar from the Swiss refinery PAMP. The employee can work with them just like with any other gold in their account:

Sell any amount at any time, with liquidity within 24 hours (into cash)
Exchange the grams for a specific gold bar or coin and have it shipped home
Transfer the grams to any other iiplan GOLD®, iiplan Rentier® or iiplan MAX® contract (online transfer)
Check their account at any time, 24 hours a day, 7 days a week
Submit all instructions online, directly in the IBIS InGold app

Terms and fees

One entry fee, and it's refundable

Opening the account involves one refundable fee. Other regular operations – transfers, exchanging for a bar, or selling – are governed by the transparent spread rules described below.

Entry price mark-up

A refundable fee returned to the client on the buy-back of each 1,000 g bar, 60 months after shipment
Express fee: 100/0, staggered fee: 70/30 or 50/50
Management fee – charged daily on the amount of grams in the weight account, from 0.0025% to 0%
Success fee – charged at 10% of the gain when gold is sold

Spread

The buy-back price of the underlying asset, payout in metal, and transfers within iiplan GOLD® have a 0% spread
Transferring grams to iiplan Rentier® and iiplan MAX® has a spread of around 1.3%
Cash payout follows the metal's buy-back price with a 4% spread

Even outside a company benefit

Who iiplan GOLD® makes sense for on its own

iiplan GOLD® isn't tied only to Benefit Gold. If an employee leaves the company, the gold stays theirs, and they can keep using the account freely – just like any other client.

iiplan GOLD® is the bridge between company recognition and a personal reserve.

Wants part of their savings backed by physical gold, not just held in a bank account
Wants to invest in gold beyond the benefit and actively work with price movements
Wants one account through which they clearly manage their entire gold reserve