Precious Metal IRA: Invest in Gold & Silver for Retirement
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During periods of market volatility, confident investors turn to safe-haven investments such as precious metals. Although gold, silver, and palladium also experience their levels of volatility, many consider them excellent options for long-term investments that can preserve and increase value.
Holding physical precious metals is impossible in a standard Individual Retirement Account (IRA). However, specialized IRAs are designed explicitly for investing in precious metals like gold, palladium, silver, and other valuable metals to secure retirement funds.
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What Is a Precious Metal IRA?
A unique type of Individual Retirement Account known as a precious metal IRA allows investors to diversify their holdings by investing in unconventional assets such as precious metals, real estate, and cryptocurrency.
Unlike traditional IRAs, which restrict investments to more conventional options, self-directed precious metal IRAs offer the flexibility to own these alternative assets directly. Note that these self-directed IRAs have the same contribution limits as regular IRAs.
Kelli Click, president of STRATA Trust Company, a leading custodian specializing in gold and other metals, explains that some individuals choose to include precious metals in their retirement plan because, historically, gold, silver, and palladium have shown long-term growth potential.
Investing in a precious metal IRA offers several benefits for those seeking stability and long-term growth within their retirement savings strategy. Whether it’s reducing investment risk or creating tax advantages through potential gains, including these assets can help safeguard and enhance one’s wealth for the future.
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How Does a Precious Metal IRA Work?
When setting up a Precious Metal IRA, selecting both a custodian and an account management company is essential. The custodian’s role is to securely store the physical precious metals in a specialized facility, as these cannot be kept at home.
After you have chosen your Precious Metal IRA provider, funded your account, and selected a custodian, you can decide on the specific type and quantity of metals for investment. The account provider typically offers guidance and recommendations based on your goals and objectives.
The custodian acquires valuable metals on your behalf and stores them in a secure depository. Typically, the metals are held in an account separate from those of other investors, ensuring their segregation.
It’s worth mentioning that IRS regulations oversee precious metal IRAs, including limitations on the types of metals allowed for ownership and their storage requirements. Selecting a trustworthy custodian who can assist you through the process and guarantee compliance with IRS regulations is crucial.
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What Precious Metals Can You Invest in for Retirement?
Investing in precious metal IRAs allows individuals to diversify their portfolios by purchasing gold, silver, platinum, or palladium.
However, note that not all precious metals can be included in these investment accounts due to specific standards set by the IRS. So before investing, make sure your chosen metals meet the requirements outlined by the IRS.
- Gold must be 99.5% pure
- Silver must be 99.9% pure
- Platinum must be 99.95% pure
- Palladium must be 99.95% pure
Some items that satisfy these requirements are Canadian Maple Leaf coins, Australian Koala bullion coins, and PAMP Suisse bars. Even though American Eagle coins don’t meet the 99.5% gold purity standard, they’re still permitted by the IRS.
Rare or collectible coins like Swiss Francs, British Sovereigns, and German Marks cannot be held in a self-directed IRA. Also, consider the best gold IRAs or getting cash for gold.
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How Much of Your IRA Should Include Precious Metals?
If you decide to invest in a precious metals IRA, it’s advised that you do so with caution. Depending on your financial situation, experts suggest allocating no more than 5% to 10% of your retirement funds towards precious metals.
There are multiple reasons why experts recommend this conservative approach. Well-constructed investment portfolios that are diversified to minimize the unnecessary risk of investing solely in one asset or asset type. Reputable financial advisors would only support the idea of putting some of your assets into precious metals.
Although gold and other metals have historically maintained their value over a long period, they may not perform as well as other asset classes like stocks, especially when considering reinvested dividends. If individuals own too many precious metals within their portfolio, they may hinder the growth potential of their retirement funds.
Investors must strike a balance between incorporating precious metals into their portfolios and diversifying across various asset classes for optimal long-term growth and risk management.
Remember that these metals, often considered “safe havens,” may not be as safe as they seem. Despite being sought after by investors during uncertain times, they have a track record of being just as unpredictable as stocks.
While their prices tend to rise when the market struggles, they typically fall once stocks recover. Therefore, individuals looking for security and protection against inflation might find better investment alternatives such as high-quality bonds or Treasury Inflation-Protected Securities (TIPS).
If you’re interested in including physical precious metals in your IRA, several options are available to you.
Special Considerations for Precious Metal IRAs
When considering precious metal IRAs, there are additional factors to consider due to the involvement of purchasing and storing valuable physical metals.
According to Drew Feutz, a financial planner at Market Street Wealth Management Advisors, one crucial point is that precious metal IRAs are more costly than other investment options.
A precious metal IRA comes with various fees not present in a regular IRA. These include setup fees, transaction fees, custodial fees, and physical asset storage fees.
Unfortunately, you cannot avoid most of these fees. The IRS has specific regulations stating that you cannot keep the precious metals you’ve invested in your IRA at home. Doing so could cause additional taxes and penalties.
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How to Open a Precious Metal IRA
Investing in precious metals through a self-directed IRA is slightly more complex than opening a traditional or Roth IRA. To get started, follow these steps:
1. Select a Self-Directed IRA Custodian
Your self-directed IRA is under the care of a custodian. Custodians can be financial institutions, trust companies, or entities that have received approval from the Internal Revenue Service (IRS). Self-directed IRA custodians empower investors to put their money into unconventional assets such as precious metals and real estate.
2. Choose a Precious Metals Dealer
In the next step, you must choose a dealer specializing in precious metals. You will instruct your IRA custodian to transfer funds to the chosen dealer to purchase gold, silver, platinum, or palladium.
You must conduct your research before selecting a dealer and investing your IRA funds in precious metals.
Look for dealers affiliated with industry trade groups such as the American Numismatic Association (ANA), Industry Council for Tangible Assets (ICTA), or Professional Numismatists Guild (PNG) as this can assist in your search process.
Your IRA custodian may already have established relationships with certain dealers. However, it’s recommended that you verify their reputation by conducting thorough research.
3. Decide What Products to Buy
To make your purchase, it’s necessary to collaborate with the dealer in choosing the specific products. Among the popular options available, American Eagle Bullion Coins stand out as the U.S. Mint issues them.
4. Choose a Depository
When investing in precious metals through a self-directed IRA, storing them in an approved depository like the Delaware Depository is crucial.
While your IRA custodian can suggest a suitable depository, you can choose one that complies with the Internal Revenue Code’s regulations. Note that you aren’t allowed to store precious metals for your IRA personally.
5. Complete the Transaction
After securing the services of an IRA custodian, dealer, and depository, you can finalize your purchase. The custodian will manage the payment process, while the dealer will arrange to ship your valuable metals to the designated depository.
How Do You Make a Withdrawal from a Precious Metal IRA?
When withdrawing, you’re given two choices:
- In-Kind Distributions: Receive the physical precious metal through shipment after the distribution.
- Depository Purchase: Choose to sell the metal to the depository, receiving the corresponding dollar value of your investment.
In either scenario, initiating the transaction requires contacting your custodian. Remember that precious metal IRAs are subject to the same regulations as traditional IRAs.
While your investments can increase in value without being taxed while they’re held within the account, withdrawing them may incur taxes and penalties depending on factors such as account type and age.
Likewise, when you reach 72 years old, you must begin taking minimum distributions. These withdrawals can become more complex because you must match them with specific pieces of precious metal you own. Individual precious metals can carry hefty price tags of thousands of dollars per ounce.
There’s a possibility that you may need to withdraw a greater amount compared to if you were solely dealing with U.S. dollars. If you choose in-kind distributions, it becomes necessary for you to either sell your metals quickly or ensure that sufficient funds are available for paying taxes on the shipped precious metals.
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Top 5 Precious Metals IRA
Goldco Precious Metals – Best Precious Metal IRA Company Overall
Star Rating: 4.9/5
Goldco Precious Metals stands out as one of the leading providers of gold IRA services in the market. They offer a diverse range of investment accounts, including cryptocurrency options and gold and silver IRAs.
The user-friendly interface on their website ensures it caters to the needs of all gold and silver IRA investors. Goldco’s platform is straightforward to navigate, unlike many other companies in this industry.
They provide comprehensive instructions on how to set up self-directed precious metals IRAs. Goldco’s commitment to providing top-notch customer service is one aspect that sets it apart.
Each client is assigned a dedicated specialist who will guide them through any transaction or inquiry they may have. However, one drawback of working with Goldco is their need for more transparency regarding gold IRA fees.
Besides their exceptional customer service, Goldco also offers clients access to a helpful gold IRA rollover kit. This simplifies transferring funds from existing investment plans into a new gold rollover IRA account offered by Goldco, ensuring safety and ease for all investors involved.
Pros:
- Top-level customer service
- Short transaction times for Noble Gold investments
- Investor education services to enhance understanding of precious metals IRA investment accounts
Cons:
- Lack of complete transparency in terms of charges
- Limited options for bullion, platinum, and palladium
Features
- Precious Metal IRA: Goldco specializes in providing Individual Retirement Accounts (IRAs) that enable individuals to incorporate precious metals such as gold, silver, platinum, and palladium into their retirement portfolios.
- Gold and Silver Bullion: Goldco likely offers access to physical gold and silver bullion, allowing investors to purchase and hold these precious metals within their IRAs. This provides individuals with tangible assets as part of their retirement investment strategy.
- Custodial Services: The company may provide custodial services to store and manage precious metals within the IRA securely. This ensures the protection of assets while adhering to IRS regulations and requirements.
- Retirement Planning Assistance: Goldco may offer guidance and assistance to individuals in planning their retirement strategies. This includes providing information on how incorporating precious metals can serve as a diversification tool within their overall investment portfolio.
- IRA Transfer and Rollover: Goldco might facilitate transferring or rolling over existing retirement funds from other IRAs or 401(k) accounts into a precious metal IRA. This service allows individuals to consolidate their retirement savings and include precious metals in their diversified investment holdings.
Disclaimer: The authors of this post may be paid to recommend Goldco. The content on this website, including any positive reviews of Goldco, may not be neutral or independent.
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American Hartford Gold – Best Precious Metals IRA Company for Small Investments
Star Rating: 4.7/5
American Hartford Gold is a highly respected company in the gold IRA industry, receiving top ratings for customer satisfaction on review platforms like Trustpilot and Google. With over 15 years of experience, they have established themselves as a trusted name in the business and hold an excellent A+ rating with the Better Business Bureau.
American Hartford Gold specializes in helping both individuals and families safeguard their wealth by diversifying into precious metals, specifically gold and silver. Their range of services includes offering precious metal IRAs, facilitating gold and, silver IRA rollovers, and enabling direct purchases of gold and silver bars and coins.
If you’re interested in making direct purchases from them, please note that they require a minimum investment of $5,000. Those considering gold IRA rollovers through American Hartford Gold’s services need to meet a minimum investment requirement of $10,000.
While American Hartford Gold primarily focuses on promoting their gold IRAs to clients looking to invest in their retirement account options. However, it’s worth mentioning that they offer opportunities to incorporate silver investments into your portfolio if desired.
To initiate an investment with them involving a gold IRA account or any related transactions, simply follow these steps:
- Contact a specialist at American Hartford Gold to complete the required paperwork
- Transfer an existing IRA to establish a new, self-directed gold IRA
- Choose the gold or silver products to include in your IRA
- Acquire your IRA-eligible precious metals
American Hartford Gold allows individuals to invest in precious metals IRAs, which Equity Trust, an esteemed custodian for gold IRAs, facilitates.
Selecting the desired precious metals to include in one’s account can be stored securely through reputable companies such as Brinks, Delaware Depository, or International Depository Services Group.
In addition to their IRA offerings, this company also presents a diverse range of silver and gold products that can be purchased directly. For instance, some of the notable gold products offered by American Hartford Gold include
- 1-ounce gold bar
- Saint Helena Sovereign Gold coin
- Canadian Gyrfalcon Gold coin
- Valcambi Combibar
Meanwhile, its silver products include products such as:
- 1-ounce rounds
- Pre-64 circulated coins
- Australian Wildlife Silver coin
- South African Krugerrand
- 10 oz and 100 oz bars
- Valcambi Combibar
When you buy precious metals from American Hartford Gold, you’ll have a dedicated account representative to keep you updated on your investments. You can contact your representative anytime by using the contact number provided on the company’s website.
If you want to learn more about investing in gold before deciding, request the company’s complimentary guide. This comprehensive 25-page guide provides valuable insights on how precious metals IRAs can help you take charge of your savings.
Pros:
- No initial cost to start using their services
- Only a $5,000 minimum investment is required
- An impressive collection of coins and bullion
- Offers discounts for maintenance, insurance, and storage
- Collaborates with industry leaders to provide storage options
Cons:
- Yearly expenses escalate with account size
- A minimum of $10,000 is required to open a Gold IRA
- Current unavailability of palladium or platinum products
Features
- Precious Metals Portfolio: American Hartford Gold specializes in aiding individuals in constructing and broadening their portfolios with precious metals, including gold, silver, platinum, and palladium.
- IRA Services: The company offers IRA services tailored for precious metals, enabling clients to invest in physical metals within their retirement accounts. This approach provides potential tax advantages and contributes to portfolio diversification.
- Secure Storage: American Hartford Gold ensures secure storage options for clients who store their precious metals in a trusted and insured facility.
- Transparent Pricing: The company maintains a commitment to transparent pricing, ensuring that clients clearly understand the costs associated with purchasing and owning precious metals.
- Buyback Program: American Hartford Gold features a buyback program, permitting clients to sell their precious metals back to the company at competitive prices.
- Expert Guidance: Clients benefit from expert guidance from experienced professionals at American Hartford Gold. These experts offer personalized recommendations and assistance tailored to individual investment goals.
- Market Insights: American Hartford Gold provides clients valuable market insights and updates concerning precious metals. This information helps clients stay informed about market trends and potential investment opportunities.
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Augusta Precious Metals – Best Precious Metal IRA Company for Customer Service
Star Rating: 3.7/5
With a history spanning over 45 years, Augusta Precious Metals has been a trusted provider of investment products. Their focus lies primarily in silver bullion and coins, as well as gold bullion. However, if you’re interested in investing in platinum or palladium, you must explore other avenues.
One standout feature of Augusta Precious Metals is their commitment to transparency. They offer a detailed breakdown of all expenses from the first meeting. This allows individuals to prepare and allocate the necessary funds for their partnership.
Clients can access a one-on-one web panel that helps them become more familiar with acquiring physical precious metals. While the company charges no transaction fees, it’s important to note that physical gold, silver, and platinum come with price spreads or bids.
According to the firm’s Transaction Agreement guidelines: standard physical gold bullion products should have a spread of 5%, while premium products should have a spread of 33%.
Although Augusta Precious Metals may require a higher minimum investment than other companies in the industry, don’t let that discourage you from working with what is arguably today’s best gold IRA company available on the market!
For those considering investing with Augusta Precious Metals directly. Here are some simple steps you can follow when purchasing rare metals.
- Make contributions to your Individual Retirement Account
- Choose either gold, silver, or a combination of both
- Register for delivery at your preferred location
If customers aren’t pleased with Augusta Precious Metals’ services, they also offer a refund. For individuals looking to withdraw from their old or new gold IRA accounts, they provide a buyback option without any fees for liquidation.
Pros:
- Prioritizes customer education
- Assists with paperwork to open an IRA
- Offers the potential for zero fees for up to 10 years
- Holds a high rating of A+ from the Better Business Bureau (BBB)
- Gold, silver, and other precious metals offered are 99% pure
- Deals in various valuable metals, including gold, silver, and platinum
- Offers an extensive collection of coins for collectors
- Provides account lifetime support from Augusta professionals
Cons:
- Doesn’t provide palladium or platinum
- Requires a high minimum investment of $50,000
- Offers only two metals: silver and gold
Features
- Expert Guidance: Augusta Precious Metals provides expert guidance and personalized assistance, empowering individuals to make well-informed decisions regarding their investments in precious metals.
- IRA Services: Specializing in IRA services for precious metals, Augusta Precious Metals assists clients in diversifying their retirement portfolios by incorporating assets such as gold, silver, platinum, and palladium.
- Buyback Program: With a dedicated buyback program, Augusta Precious Metals enables clients to sell their precious metals back to the company at competitive prices.
- Transparent Pricing: Augusta Precious Metals takes pride in maintaining transparent pricing, ensuring clients clearly understand the costs associated with purchasing precious metals.
- Storage Options: The company offers secure storage options, providing clients who prefer vault storage with a reliable solution for safeguarding their precious metals.
- Excellent Customer Service: Augusta Precious Metals is renowned for its excellent customer service, boasting a team of dedicated professionals ready to assist clients throughout their entire investment journey.
- IRA Transfer Assistance: Augusta Precious Metals actively assists clients in seamlessly transferring their existing IRAs to a precious metals IRA, facilitating a smooth transition.
- Competitive Pricing: Striving to provide competitive pricing on precious metals products, Augusta Precious Metals allows clients to maximize their investment potential.
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Oxford Gold – Best Precious Metals IRA Company for Educational Resources
Star Rating: 4.2/5
Oxford Gold Group is a well-known company that offers expert assistance in retirement planning through the use of precious metals IRAs. Their main focus is on helping individuals use gold and other precious metals to secure a successful future.
The services provided by Oxford Gold Group include the purchase of physical gold and the establishment of Gold IRAs. They emphasize diversification by offering various precious metals, such as silver, gold, platinum, and palladium, within existing retirement accounts.
To ensure that clients are well-informed when making investment decisions, Oxford Gold Group provides free educational resources and conducts thorough research. Besides their comprehensive range of services, they also address the crucial issue of secure storage for precious metals.
Oxford Gold Group guides investors towards trusted facilities like the Brinks Depository located in Salt Lake City, Utah, and the Delaware Depository located in Wilmington, Delaware. By offering reliable storage options, they safeguard their clients’ investments against theft and damage.
The Oxford Gold Group keeps their ownership a secret, adding an interesting element to their story even though they have a lot of information and services on their website.
The Oxford Gold Group aims to assist people who want financial success in retirement by using their knowledge and educational materials and focusing on safe storage. They want to help individuals start a prosperous varied, secure future.
Pros:
- 24-hour customer service
- Provides educational resources
- Offers a quick and easy investment process
- A wide variety of precious metals available for purchase
- Accredited by the Better Business Bureau (BBB) with an A+ rating
Cons:
- Market downturns may complicate rebounds
- Limited visibility on proprietors’ details
- Potential for sharp declines in gold prices
Features
- Gold Bullion Sales: Facilitating the purchase of gold bullion coins, bars, or other physical gold forms for customers seeking to invest in precious metals.
- Gold IRAs: Guiding and providing services to establish Individual Retirement Accounts (IRAs) that incorporate physical gold as a strategic component of retirement investments.
- Storage Facilities: Offering secure storage options for clients who safeguard their gold holdings in specialized vaults, ensuring their assets are well-protected.
- Buyback Programs: Providing buyback services, allowing clients to sell their gold back to the company when desired.
- Education and Guidance: Supplying resources and information to educate customers on gold investment strategies, market trends, and effective risk management practices.
- Precious Metals Consulting: Offering personalized consulting services to assist clients in developing investment portfolios that include gold and other precious metals tailored to their individual financial goals.
- Market Analysis: Providing research reports, market insights, and analyses on gold and precious metals markets to empower clients in making well-informed investment decisions.
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Lear Capital – Best Precious Metals IRA Company for First-Time Buyers
Star Rating: 3.9/5
Lear Capital is an esteemed player in precious metals IRA services. They specialize in offering investors the opportunity to diversify their IRAs with valuable metal coins like gold and silver.
Lear Capital is committed to providing personalized service and assistance through dedicated account managers for each investor, and avoiding outsourcing. To open a self-directed IRA account with Lear Capital, investors must make an initial deposit of $280.
An annual fee of $200 is proportional to the investment amount. However, Lear Capital ensures transparency by providing comprehensive quotes that include upfront taxes and fees.
Feedback from clients has been overwhelmingly positive, with many expressing gratitude for the educational efforts made by Lear Capital and their transparency for investment choices. The company has also promptly addressed and resolved any criticisms received, resulting in a remarkable 4.9-star rating on Trustpilot.
With nearly a quarter-century of experience, Lear Capital offers a streamlined transaction process that minimizes hassle for investors. They also provide a free buy-back plan and have knowledgeable personnel available for support throughout the investment journey.
Pros:
- Ensures rapid turnaround and timely shipment
- Free registration for the Lear Online Education Center
- Assign a knowledgeable agent to oversee each client
- Purchases are covered by a 100 percent satisfaction guarantee for 24 hours
Cons:
- Nominal self-directed IRA fees are paid annually
- Requires a minimum investment of $25,000
Features
- Valuable Metal Coins: Lear Capital presents valuable metal coins, including gold and silver, as options for IRA diversification and investment.
- Dedicated Account Managers: Every investor at Lear Capital is paired with a dedicated account manager who delivers personalized service and guidance throughout the investment journey.
- Transparent Pricing: Ensuring transparency, Lear Capital provides comprehensive quotes upfront, incorporating taxes and fees, to eliminate hidden costs and surprises for clients.
- Self-Directed IRA Accounts: Assisting clients in setting self-directed IRA accounts, Lear Capital empowers individuals to control their investments and choose from various precious metal options.
- Hassle-Free Transactions: Lear Capital prioritizes a smooth and hassle-free transaction process, allowing clients to navigate the buying and selling of precious metals easily.
- Buy-Back Plan: Providing a complimentary buy-back plan, Lear Capital enables clients to sell their precious metals back to the company at competitive prices.
- Knowledgeable Personnel: Lear Capital takes pride in having knowledgeable personnel available to guide clients, address questions, and offer expertise concerning precious metal investments.
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Our Ranking Methodology for Best Precious Metal IRA
- Available Assets and Products: While the primary focus of this article is the evaluation of the best gold IRAs, we have comprehensively covered other options, including silver, platinum, and palladium IRAs.
- Fees: Our ratings for the best gold IRAs exclusively feature custodians who provide competitive and transparent pricing with no additional charges or regular service fees. Custodians failing to meet these criteria aren’t endorsed in our assessments.
- Customer Service: The decision to convert a regular IRA into gold is significant. Therefore, our evaluation of the best gold IRAs considers only those with knowledgeable customer service representatives well-versed in IRS regulations and tax compliance.
- Reputation: When managing finances, entrusting the responsibility to top-notch companies is crucial. All the best gold IRAs mentioned in our review list have received positive ratings from the Business Consumer Alliance, BBB, and Consumer Affairs, ensuring their credibility.
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Best Precious Metal IRA – FAQs
What Precious Metals Are Allowed in the IRA?
In an Individual Retirement Account, individuals can hold four valuable metals: gold, silver, platinum, and palladium. However, to qualify for inclusion in the IRA, these metals must be in the form of coins or bars approved by the IRS.
Is a Precious Metals IRA a Good Investment?
A custodian usually manages these accounts and enjoys the same tax benefits as a traditional IRA. Precious Metals IRAs provide individuals with an excellent opportunity to expand their retirement portfolio, safeguard their savings against inflation, and guarantee the safety and security of their retirement funds.
What Is the Safest Precious Metal to Invest In?
Thanks to its scarcity and consistent track record, gold has been widely regarded as a secure investment option for many years. It safeguards against inflation and currency devaluation, making it particularly attractive when economic conditions are uncertain.
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Final Thoughts on the Best Precious Metal IRA
Investors who are concerned about inflation and market volatility may find precious metal IRAs as a suitable option. However, these types of IRAs tend to be more expensive than other investment options, and they also carry a higher level of risk when compared to traditional IRAs.
For precious metal IRAs to make sense, it’s recommended for investors with a strong portfolio to diversify their investments by allocating a small portion towards physical gold, silver, platinum, or palladium.
For those seeking exposure without opening a specialized IRA or dealing with custodians, dealers, and depositories, investing in securities such as Exchange-Traded Funds (ETFs) or mutual funds that track precious metal indexes or prices can be considered.
These alternative investment options offer exposure at lower costs and risks while allowing investors to hold them within their existing retirement accounts.
However, whether you choose ETFs, mutual funds, or an IRA, precious metals should only play a supporting role in your retirement investment strategy rather than being the sole focus. The goal is to add some extra shine to your portfolio without relying solely on these assets.
Disclaimer: The authors of this post may be paid to recommend Goldco. The content on this website, including any positive reviews of Goldco, may not be neutral or independent.