IRA / 401(k)
2025 Precious Metals
IRA Guide
Preserve Gold is your dependable guide through the precious metals investing process. Get Started
Preserve Gold is your dependable guide through the precious metals investing process. Get Started
Start planning for retirement by putting Preserve Gold’s RMD estimator to good use.
Simply enter your account details, and our intuitive estimator provides RMD amounts. Take control of your financial future – start planning for a secure retirement with Preserve Gold today!
Would you like to calculate the required minimum distribution (RMD) for your precious metals IRA? Our convenient RMD estimator tool will take the guesswork out of retirement planning. Begin using it to plan for your future.
Required minimum distributions are the minimum amounts of money that IRA owners must withdraw from their accounts annually once they reach the age of 73. RMDs have tax implications, and those who choose not to take them may face penalties. To prevent IRS-related issues, IRA owners must monitor their accounts and take RMDs at the appropriate times.
The penalties for failing to take RMDs are often stiff. The IRS may impose an excise tax of 25% on any amount not taken. However, the IRS may reduce this penalty to 10% if you correct this error within two years.
Yes, you can delay RMDs until April 1 of the year after you turn 73. For example, if you turned 73 in 2025, you must take your first RMD by April 1, 2026. After this, you would still need to take your second RMD by December 31, 2026, and then take all future distributions by December 31 each year.
Yes, you can avoid RMDs in some cases, but it will require work on your part. You will need to consider converting a traditional precious metals IRA into a Roth IRA. Roth IRA owners are not subjected to the same requirements as those with traditional IRAs. You might also be able to sidestep inherited IRA RMDs.
You can calculate RMDs by using Preserve Gold‘s handy RMD estimator tool. All you need to do is input your age, your precious metals IRA balance, and other basic information. The tool will run these numbers through an RMD calculation formula, eventually providing an estimate for your distributions.
Our RMD estimator tool is accurate for the most part, but you should remember that the estimate it provides is just that: an estimate. Speak with a trusted tax advisor and your IRA custodian about your potential distributions to paint an even more accurate picture of where they will likely land when the time comes. They can also offer invaluable insights on other IRA withdrawal rules that you must keep in mind as you inch closer to retirement age, and discuss how the life expectancy factor might impact your calculations.
Do you have additional questions about using our RMD estimator tool? Call us at (877) 444-0923 today, or complete the online form below to receive a free copy of our 2025 Precious Metals Guide.
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Disclaimer: This site is general in nature and not tailored to the specific goals of any individual. All investments carry risk. Some of those risks associated with precious metals include the following. Prices may rise or fall, which means that the value of your metals may go up or down and you may sell for more or less than you paid. Past performance does not guarantee future results. Preserve Gold cannot guarantee or promise future market movement, prices, or profits. Even though Preserve Gold and its representatives are precious metals specialists, we are not licensed financial advisors and do not give financial advice. Additionally, Preserve Gold cannot provide tax or legal advice and will not advise to the tax or legal consequences of buying precious metals or opening a precious metals IRA. Individuals should consult with their legal, investment, or tax professionals for such services.
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