Gold prices have reached all-time highs, topping $3,800 this month.
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How a Gold IRA Works
To invest in physical gold with a retirement account, you’ll need a self-directed IRA. These are the only IRA accounts that allow you to purchase hard assets, including precious metals, real estate, businesses, and more. Legally, these IRA accounts need a custodian—a bank or other institution that keeps records of the account, handles disbursements, and reports to the IRS.
Once your IRA is funded through a rollover or transfer, you’ll choose the precious metals you want to buy and direct your custodian to finalize the purchase.
What Is the Best Gold IRA?
Which gold IRA is the best depends on your situation. When considering companies, here’s what to consider:
- Initial transfer and setup fees
- Annual management fees
- Storage fees
- Availability of customer support
- Knowledge and investment resources
- Past customer reviews
What Are Some Reasons for Opening a Gold IRA?
Here are common reasons people invest in precious metals, such as gold and silver:
- To diversify your portfolio: Investing all your money in a single investment or asset is risky. If you have a portfolio without precious metals, a gold IRA can be an option for additional diversification.
- Protection from inflation: When the U.S. dollar drops in value, so does your purchasing power. Gold investments can protect against this loss. It has historically kept its value even when the dollar’s value weakens.
- Economic security: If the economy (or stock market) takes a turn, having your money in gold could reduce your losses.
- Growth investment: The price of gold has risen steadily over the last few years, including reaching its highest price ever in 2024.
Gold is often considered a safe investment that can withstand severe market fluctuations and downturns, although it can be prone to price volatility.
Can You Only Hold Gold in a Gold IRA?
No. Gold IRAs are self-directed IRAs, so gold bars and coins aren’t the only items you can hold in these accounts.
Also referred to as precious metals IRAs, you can purchase other precious metals, including silver, platinum, or palladium, or you can put the funds into real estate, commodities, tax liens, partnerships, and more.
However, you can’t invest it in collectibles, antiques, gems, stamps, or life insurance.
Is There a Minimum Investment to Open a Gold IRA?
The minimum investment depends on the institution offering the gold IRA. The IRS doesn’t require minimum investments, but it does have annual contribution limits. These depend on your age.