We’ve organized our reviews of the best Gold IRA companies based on the main comparison points across this industry as a whole – with full transparency, highlighting the fine print. We found that the important information is often difficult to find or missing. We’ve done the digging for you. Continue reading below for valuable information about Gold IRA’s and how you can benefit from Precious Metals investing.

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10 BEST GOLD IRA COMPANIES

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Gold – A Method of Wealth Preservation

We believe in the timeless strength and beauty of gold and silver as a method of wealth preservation for 3 simple reasons:

We recommend gold and silver investing because the wealthy invest in them. You are likely here because you are doing your due diligence on the BEST Gold IRA companies. We don’t blame you. We know how important this is to you. That is why we created this section on our site.

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• Gold is incredibly rare – very little supply & surging demand
• During periods of great fear, people run to what they feel is safe (gold & silver)
• Government debt is spiraling out of control (over $19 trillion)
• Financial experts are predicting a massive correction in the stock market
• It provides the flexibility and liquidity that other tangible investments can’t offer
• Silver and Gold are currently undervalued (Gold is approximately 30% lower than its all time high price and Silver is around 60% lower)
• Russia and China are continuing to increase their gold reserves (preparing for US Dollar debasement)

“Anyone who gets educated and takes action, will have massive amounts of wealth transferred towards them instead of away from them”

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• That’s all the gold owned by every government on earth, plus all the gold in private hands, all the gold in rings, necklaces, chains, and gold art.
• That’s all the gold used in tooth fillings, in electronics, in coins and bars.
• It’s everything that exists above ground now, or since man learned to extract the metal from the earth.
• All of it can fit into one Olympic sized swimming pool. it would weigh about 91,000 tons — less than the amount of steel made around the world in an hour.

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A Gold IRA is very similar to a traditional IRA (Individual Retirement Account) that provides you with certain tax advantages. The main differences are that it is self-directed, and it allows ownership of physical precious metals.

With a Gold IRA, your retirement funds are no longer limited to paper-backed assets such as mutual funds, stocks or bonds. You’re investing in gold itself.

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While most savvy investors understand the benefits of investing in precious metals like gold, silver, platinum and palladium, not everyone has tens of thousands of dollars sitting around in cash that would allow them to buy it directly. Even if you did have large sums of cash ready to buy gold with from a dealer, that’s after-tax money; your net capital that’s left after the tax man gets his cut of your gross income. That’s why the Gold IRA has become very popular.

Many people do have a larger amount of investable funds in their IRA or 401k. You can rollover your funds into a Gold IRA, TAX FREE.

Now investors can add or rollover gold, silver and other precious metals directly into a precious metals IRA. Such accounts are ideal for first-time investors seeking the security of physical gold and silver, as well as investors with existing retirement accounts, including IRAs, 401(k), 403(b) plans.

While such retirement accounts once included only stocks, bonds, and money-backed assets such as U.S. Treasury Bills and mortgage-backed securities, now retirement investors can share the security of an IRA account backed by physical gold and other precious metals.

Precious metal IRAs in gold, silver, platinum and more have become a key way for those on the road toward retirement to diversify their assets and reduce the effects of inflation on their retirement savings. Coins and bars approved by the Internal Revenue Service  (IRS) must be held in an insured, licensed depository for safekeeping, then can be taken home based on federal rules for withdrawal.

1. How long does it take for my Gold IRA / 401k Rollover to process?

Your Gold IRA/401k should not take more than 2 days to process. The companies that offer simple online application forms will be able to process your ‘paperwork’ more efficiently than those who are still using paper and ink.

2. Are you experts in Gold IRA’s?

Many companies are bulk dealers in Gold and other precious metals. The IRA’s are often just a small portion of their business. Why not go with a company who focuses on Gold IRA’s exclusively? You are almost guaranteed to get personal service this way. For such an important (and large) transaction, choose someone who you feel good about and can build a rapport with.

3. Do they charge a premium over spot price for the Gold?

It’s very common for Gold IRA companies to charge a premium on the precious metals that will be included in your stash. You can often read complaints on ripoffreport.com or BBB about how the person was charged ’10 percent, 20 percent, 30 percent over spot‘. We advise you to keep updated on the current trends in Gold prices to verify that you are getting a fair deal on your metals at the time of purchase. Make sure that the price is locked in so that are no surprises!

4. What are the Gold IRA fees? Are they flat or scaling?

Some companies charge flat fees, no matter how much Gold you hold. The fees cover administrative, setup and storage costs on an annual basis. Other companies charge scaling fees – meaning you will be charged a % based on how much Gold is being stored. Also, in some cases, we have seen some companies waive the fees completely for the first year, just to get you going.

5. What do past clients say?

With the internet, there is so much information out there. You can paint a pretty clear picture of how reputable, trustworthy and experienced a company is just by reading reviews, testimonials and complaints. If you find even 1 complaint on a company, it might not be worth the risk. The next complaint could come from you! Do your research, check Trustlink, Consumer Affairs, the ripoffreport, BBB. You can always just refer to our chart above, we’ve done this for you.

6. What kind of Gold storage do you offer?

Will your gold be held in segregated or commingled storage? Basically, will my Gold be kept with other peoples Gold, or separately?

7. How long have you been dealing with Gold IRA’s?

What you want is a company (actually, the people behind the company) to have pedigree in the industry in which they claim to be experts in. Find out how long they have been dealing in precious metals…or more importantly, Gold IRA’s.

8. What is the delivery time when I request my Gold?

You should know when you will get your Gold should you request it. If it takes more than 7 business days, we would consider that unacceptable.

9. Will you buyback my Gold when I want to cash out my IRA?

When you want to liquidate your holdings for cold-hard-cash, what are you going to do? Sell them on eBay? No. You probably don’t want to do anything, you just want the money. Ask the company if they will buy them back from you. this is called a buyback. You just sit back and wait for the check in the mail. It should be that simple.

10. Can I apply for my Gold IRA online?

So you want to apply for your Gold IRA…how do you do it? Does the company mail or fax the paperwork to you? That is fine, but you’re probably reading this on a computer or phone, wouldn’t it be great to apply right now? Some companies offer online applications, while others don’t seem too. Ask about this. It will also give you some insight as to how modern or outdated their operations truly are. I would go with the modern methods, as you will be able to track the progress of your application easier and not have to worry about your file sitting on someones desk.

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I already have an IRA, can I rollover or transfer my existing IRA / 401k to a self-directed precious metals (gold) IRA?

Yes, absolutely. a ‘rollover’ is an ideal way to purchase gold and other precious metals because of the tax savings. A self directed IRA custodian can help you do a rollover or transfer your existing IRA into a ‘Gold IRA’. For a list of our top rated Gold IRA companies, scroll up to the top of this page.

How long will it take to rollover my existing IRA / 401k?

This will vary based on which company you choose to do the Gold IRA rollover with. It would be best to clarify this by calling different companies. For our top rated Gold IRA company, scroll up to the top of this page.

I’m doing a rollover using my 401k funds, how much time do I have to deposit them into my new Gold IRA?

With a 401k rollover, generally your money is paid to you directly. You have 60 days once you have the funds to transfer them into your self-directed IRA (SDIRA). If you fail to do so, it is considered a withdrawal and there could be tax implications and penalties.

I don’t want to put ALL of my funds into Precious Metals, what should I do?

You are allowed to have more than one IRA account. You can choose to allocate any amount you please towards physical precious metals. Gold IRA providers have their own policies and minimums.

How long does it take for my Precious Metals to physically be in my Gold IRA account?

Once your SDIRA account is funded and your precious metals are ordered, the metals will usually ship out from within 1-5 business days. This completely depends on which company you choose to handle your SDIRA however. It’s a good question to ask.

Are my Precious Metals safe in an IRS approved depository?

Yes, absolutely. Much safer than at home! Your precious metals are fully insured at metals depositories. This is what they do.

It’s even possible to store your precious metals outside of the USA (Canada for example). Why would you want your gold outside of your own country? In 1933, the US government demanded that every citizen turn in there gold holdings as the government did not have enough of their own. 

The order forbid the hoarding of gold coin, gold bullion, and gold certificates within the continental United States. The effect of the order, in conjunction with the statute under which it was issued, was to criminalize the possession of monetary gold by any individual, partnership, association or corporation. The gold confiscation was believed by some to be a bailout of the privately-controlled Federal Reserve Bank.

How do I know my Precious Metals actually exist?

Depositories provide up-to-date accounting and reporting with online portals to check on your precious metals; Like another bank account. Only with your gold, it’s physically there, not just a number on a screen.

The best storage is ‘segregated’ and not ‘commingled’. Segregated meaning your metals are kept in their own space with your name on them, separated from other peoples metals. Since the metals in the depository belong to you, you should be able to schedule a visit to see and touch your stash within the safety of that depository, without taking the distribution/withdrawal and suffer the tax implications.

What are the tax benefits of purchasing Precious Metals through an IRA?

Rather than using after-tax dollars to purchase precious metals, a rollover involves using pre-tax funds to make the purchase.

If you were to take a distribution of your IRA funds, pay the penalties and taxes, then decide to buy gold with your net proceeds, your buying power would be significantly less. This is the IRS ‘loophole’ that is mentioned for Gold IRAs; the ability to buy gold with your gross funds rather than net funds

I want to keep my Precious Metals in my house/bank, is this possible?

There are companies that offer Home Storage Gold IRA programs. However, we would not recommend this. IRS rules for precious metals IRAs state that the precious metals must be shipped to an approved IRA depository.

Otherwise, it would be considered a distribution and have tax implications. The depository holds your precious metals until the time you want to sell or take physical possession of them.

*Note: If you just want to buy gold and keep it in your house or bank deposit box, that is always an option – this would simply happen outside of a IRA Rollover or Transfer. Or you would have to work with a company that offers a Home Storage IRA solution if it’s something that you insist on doing.

When can I take possession of my Precious Metals?

Anytime you want. However, this is considered a distribution and there will be taxes/penalties to pay.

What are the fees involved with a Precious Metals IRA?

This all depends on which company you choose to do your rollover. The size, precious metals and storage type will affect the fees for you as well.

Some companies will pay the fees for you, to gain a competitive advantage (this does not mean that there are no fees involved in storing your precious metals – it’s just a matter of who is going to pay them for you or not). Most Gold IRA companies don’t clearly disclose their fees. Fee structures are often difficult to find.

Starting a Gold IRA is pretty simple. You can either rollover a current IRA, or you can convert a 401k, Roth IRA, SEP, 403b, TSP, Annuity or Pension Plan.

It’s unlikely that your current employer, will allow you to transfer funds into a Gold IRA plan. However, after you’ve transitioned out of your job, you can have control of those retirement funds without penalty, all while maintaining tax-deferred status. That is the key.

To invest in a Gold IRA, an expert advisor will walk you through the paperwork, then guide you through the metals choosing process and selecting a depository.

Get started: our #1 Gold IRA company that we recommend is Augusta Precious Metals. Commitment to service sets Augusta apart from other precious metals companies. Every member of the Augusta team – from CEO to receptionist – is dedicated to helping retirement savers realize their dream of financial independence. Augusta’s premium service culture is powered by the superior knowledge and experience every Augusta gold and silver professional offers. Read our Augusta Precious Metals full review.

Steps to Open a Gold IRA

Getting started is as simple as 3 simple steps

General Rules for a Gold IRA

Follow these 3 simple rules

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We hope that you have found our list of the top rated Gold IRA companies useful. Once again, thank you for visiting and please check back often as new information is added frequently! – One Percenter

Advertising Disclaimer: The content of this website is not to be taken as professional financial advice. You are encouraged to do your own research before making financial decisions. The owners of this website may be compensated to recommend specific companies. While we strive for accuracy, the content of this website, including recommendations and any negative reviews, may not be independent or neutral.