A gold IRA is a self-directed individual retirement account (SDIRA) that holds physical gold bullion — IRS-eligible coins and bars — instead of or alongside traditional paper assets. Under IRC §408(m)(3), gold held in a retirement account must be .995+ fine, produced by an approved sovereign mint or

Is a gold IRA rollover tax-free?

Yes — transferring an existing IRA or 401(k) to a gold IRA via direct (trustee-to-custodian) transfer is completely tax-free. No taxes withheld, no 60-day deadline, no dollar limit. Your existing IRA's tax character is preserved. An indirect rollover (check issued to you first) is also tax-free if r

Can I store gold IRA at home?

No — home storage of IRA gold is a prohibited transaction under IRC §4975, confirmed by the Tax Court in McNulty v. Commissioner (T.C. Memo 2021-37). Violation triggers full taxation of the IRA balance plus a 10% early withdrawal penalty if under 59½. All gold IRA assets must be stored at an IRS-app

What is the minimum for a gold IRA?

Gold IRA minimums: Augusta Precious Metals ($50,000), Goldco ($25,000), Noble Gold ($20,000), American Hartford Gold ($10,000), Birch Gold Group ($10,000). Most investors fund via rollover from existing 401(k) or IRA — no dollar cap on transfers, tax-free.

How much does a gold IRA cost per year?

Annual gold IRA costs: custodian fee $75-$150/year, storage fee $75-$150/year (segregated or allocated), wire transfer $25-$35 per event. Gold purchased at spot price plus premium ($30-$80/oz coins, $10-$30/oz bars). Total annual holding cost: $175-$400/year.

What gold is IRA-eligible?

IRS-eligible gold: American Gold Eagle (.9167 fine — only exception to .995 rule, named in statute), American Gold Buffalo (.9999), Canadian Gold Maple Leaf (.9999), Austrian Gold Philharmonic (.9999), Australian Gold Kangaroo (.9999), British Gold Britannia (.9999), and gold bars .995+ from PAMP Su

What is the best gold IRA company?

Augusta Precious Metals is consistently rated #1 in 2026 — BBB A+, named education director (not sales rep) for every client, complete written fee transparency, Money magazine #1 ranking. Best for $50K+ investors. For $25K-$50K: Goldco. For $10K-$25K: American Hartford Gold. All three hold BBB A+ ra

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