Gold IRA
A Retirement Account Backed by Real Gold
Gold and tax advantages, in one account
A Gold IRA pairs the wealth-preservation properties of physical gold with the long-term compounding benefits of a retirement account. Your bars and coins are held in an insured depository, allocated to your name, while your account grows tax-deferred or tax-free.
IRS-Approved Gold
Segregated Storage
Your specific gold is stored separately in your name at an IRS-approved, fully insured depository.
Tax-Advantaged Growth
Gains compound tax-deferred in a Traditional IRA or tax-free in a Roth IRA.
★★★★★
Top benefits of Retired.com’s gold IRA
Insured Custody
All gold is stored at IRS-approved depositories with segregated allocation and full insurance coverage.
Low, Transparent Fees
Clear, predictable custody and storage fees. No hidden charges.
Long-Term Store of Value
Gold has maintained monetary value across centuries.
Expert Support
Real specialists can help answer all of your relevant questions.
Inflation Hedge
Gold has historically preserved purchasing power during inflationary periods, providing a long-term hedge inside your retirement portfolio.
Start investing in gold with your IRA
Strategies
Your retirement blueprint, for free
Wondering how much gold belongs in a retirement portfolio, which products are IRA-eligible, or how a Gold IRA compares to a Precious Metals IRA? Our resource center walks you through it.
Learn Before You Start with Retired.com’s Gold IRA Content
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Frequently Asked Questions
What is a Gold IRA?
A Gold IRA is a self-directed individual retirement account that holds IRS-approved physical gold. It offers the same tax treatment as a Traditional or Roth IRA, but the underlying asset is real gold rather than stocks or bonds.
Which gold products are IRA-eligible?
The IRS requires gold to be at least 99.5% pure for IRA inclusion. American Gold Eagles are an exception due to their legal-tender status, and many bars from approved refiners qualify.
Can I store gold at home?
No. The IRS requires IRA-held gold to be stored at an approved depository. Storing it at home would be considered a distribution and trigger taxes and possible penalties.
What are the contribution limits?
Gold IRA contributions follow standard IRS limits for the IRA type you choose. Rollovers from other retirement accounts are not subject to those annual contribution limits.
Can I take physical possession of my gold?
Yes, when you take a distribution. You can receive your gold in-kind rather than as cash, subject to applicable taxes and penalties based on your age and account type.
How do I sell gold inside my Gold IRA?
Retired.com offers buyback at competitive market rates. Proceeds stay inside your IRA, where they can be reinvested or held as cash.
Is my gold insured?
Yes. All Gold IRA holdings are stored at IRS-approved depositories with full insurance coverage.
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