Precious Metals IRA Guide

2025 Precious Metals
IRA Guide

Preserve Gold is your dependable guide through the precious metals investing process. Get Started

USA 1oz gold coin
Canada Palladium coin

A Gold IRA Can Help Protect Your Assets

A self-directed IRA (SDIRA) for precious metals combines the tax advantages of a conventional IRA with the flexibility, stability, and liquidity of a physical gold investment. We work with professional, IRS-compliant custodians and high-grade storage facilities for your peace of mind.

2025 Precious Metals Guide

2025 Precious Metals Guide

Explore key reasons to invest in precious metals, from inflation protection to portfolio diversification. Learn More

Precious Metals IRA Guide

Precious Metals IRA Guide

Learn how a Precious Metals IRA works, including rollovers, IRS-approved investments, secure storage, and more Learn More

Eligible Accounts

Approved Precious Metals Depositories And IRA Custodians

Our vetted custodians offer top-quality service, vast experience in the precious metals investment industry, and full compliance with IRS guidelines. Your gold bullion will ship to one of our secure depositories across the U.S. and enter storage under the highest level of protection. We work with these leading precious metals storage facilities.

Dalaware Depository Logo

Delaware

Depository

Wilmington, DE or Boulder City, NV

IDS Logo

International Depository
Services

Dallas, TX or New Castle, DE

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Getting Started With A Gold IRA

Opening a Precious Metals IRA with Preserve Gold is fast and convenient. Reach out to us and set up your Gold IRA in three easy steps:

  • A chat support icon

     Talk To An Expert

    Speak with a precious metals expert to determine if a Gold IRA is the best option for your goals. We offer a free consultation where you can ask questions and learn about the benefits of precious metals ownership within your retirement account.

  • Income

    Fund Your Account

    You can fund your Gold IRA with a direct contribution or by rolling over an existing IRA, 401(k), or other retirement account. Our team handles the entire process — from paperwork and custodian coordination to fund transfers and helping you choose metals that align with your goals.

  • Selection coin

    Choose Your Gold Products

    Browse our extensive product catalog for a selection of IRA-eligible coins, bars, and rounds. Your specialist will help you select the products that best fit your needs and choose an approved depository to securely store your metals.

Gold product on the nest

IRS-Approved Physical Gold Investments

A self-directed Gold IRA allows you to invest in physical gold (not gold stocks or ETFs) and tap into the tax benefits of a conventional IRA.

These advantages come with some restrictions, including the following:

  • Your gold bullion must meet IRS purity standards (at least 99.5%), with a few exceptions, like the American Gold Eagle coin (which is 91.67% gold). Collectible coins are not IRA-eligible.
  • You must store your gold holdings in an authorized depository under the management of a licensed custodian. Home storage isn’t an option for Gold IRAs.

Otherwise, distributions from Gold IRAs follow the same rules as other IRAs:

  • Any distributions you make before the age of 59.5 will likely be subject to penalties. You must start making required minimum distributions (RMDs) when you turn 73.
  • Selling or taking possession of metals you hold in your Gold IRA counts as a distribution.

Why Consider A Gold IRA

Precious Metal IRAs have become popular in the U.S. because they offer investors many benefits.

Tax Benefits

Both traditional and Roth Gold IRAs are eligible for major tax advantages. With a traditional Gold IRA, you make tax-deductible contributions, and growth on your investment is tax-deferred. However, any withdrawals upon retirement are subject to taxation.

With a Roth Gold IRA, contributions aren't part of your taxable income, but qualifying distributions are tax-free.

Portfolio Diversification

While physical gold doesn't generate earnings like stocks or bonds, it's a highly stable asset that has retained its value for millennia. In times of economic peaks and dips, many investors choose to channel some of their wealth into gold as a tangible, universally desirable store of value.

Inflation Hedge

Inflation erodes the dollar's purchasing power. Gold isn't vulnerable to inflation since it's a valuable physical asset with a limited supply (unlike paper money, which the government can keep printing until it becomes worthless).

Control

A Gold IRA is a self-directed IRA, which means you retain control over buying and selling your holdings.

No Counterparty Risk

Counterparty risk indicates the probability that the other party in an investment will not fulfill their obligations. Gold has no counterparty risk; you directly hold the asset, and its value and liquidity do not depend on another person to hold up their end of the deal.

Gold IRA FAQs

A self-directed IRA (SDIRA) allows you to invest in alternative assets, like gold bullion, and gives you a higher level of control over investments than a conventional IRA.

Yes, you can roll over your existing Roth IRA to a Roth Gold IRA.

Yes, your Gold IRA can hold any IRS-approved precious metals, including silver, platinum, and palladium.

Yes, a direct rollover — that is, transferring the funds directly from an existing IRA or 401(k) — is always tax and penalty-free.

Typically, a rollover takes anywhere from a few days to a couple of weeks.

No. You must keep your Gold IRA holdings in an approved depository, supervised by an independent custodian.

No. This falls under the definition of self-dealing, which the IRS prohibits. However, you can sell your gold and use the funds to purchase IRA-approved bullion for your Gold IRA.

Yes. You can transfer an existing 401(k) into a Gold IRA.

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