Top Rated Gold IRA Companies + Reviews (2021)
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Gold IRA Guide / Top Rated Gold IRA Companies + Reviews (2021)

Top Rated Gold IRA Companies + Reviews (2021)

disclosureimageIf you have decided to invest in a Precious Metals IRA in 2021 (or rollover a previous retirement vehicle such as a 401k or 403b to a Gold IRA), your next step is to decide which Precious Metals IRA company to work with. This is not a decision to take lightly, as some companies have a better track record than others regarding the quality of their products, their selection, and their reputation for customer care. Some have even been accused of fraud, something which is unfortunately not unheard of in the precious metals industry. That's why it's imperative that you do your homework and research the most trusted, IRS-approved precious metals vendors for your retirement savings accounts.

Also, it is important to know that some companies handle the entire process (including dealing with your IRA custodian and providing storage) while others simply sell the metals. If you want a lower-risk experience, I recommend choosing a top-rated gold IRA company that handles the process from end to end. This way, you can rest assured that your holdings are compliant with IRS regulations. Here is a comparison chart that will help you make an enlightened decision. We have extracted the most recent ratings of each company on authority review boards such as the BBB, BCA, TrustLink and others, as well as our own proprietary ratings that we've authored ourselves. Click on the “View Full Review” button next to each company to see a more detailed review. Don't forget to print out this page for future reference!

Note: we strongly recommend that do your due diligence and call a few different companies before making an investment decision. Also, speak to your financial advisor before investing in any asset class. 

#1. Top Overall Company

  •  Highest Amount of Positive Reviews
  •  Largest List of Alternative Assets
  •  Offers strictly IRA-approved bullion
  •  First year's fees waived

Great customer reviews, virtually zero complaints, a competitive pricing structure and a great selection of IRA-approved precious metals and bullion coins are the reasons why Regal Assets earned our Top Overall Award in 2021.
(Read Full Review)

#2. Top Gold IRA

  •  A+ BBB Rating
  •  Great Expertise in Gold IRA Investments

🕿 1-855-465-3472
@ www.goldco.com

Goldco is definitely no stranger when it comes to Gold and Silver IRA investments. We like their team's transparency, their education materials and their free silver giveaway. Note however that they do not offer platinum and palladium.
(Read Full Review)

#3. Top Product Selection

  •  Holistic company with a high client retention rate
  •  CEO Joseph Sherman cares about his clients' ROI
  •  Large selection of products

🕿 1-888-734-7453
@ www.goldalliance.com

In a few short years, Gold Alliance has risen through the ranks of precious metals investment space, to become one of the most popular precious metals IRA companies. Gold Alliance also offers exclusive gold coins not found anywhere else.
(Read Full Review)

#4. Top Fee Structure

  •  Competitive Fee Structure
  •  Experienced Founders
  •  Only Company offering Texas storage
  •  Owners, Charles & Collin, bring decades of experience in the precious metal space

Charles and Colin, two veterans in the Gold IRA space launched Noble Gold Investments five years ago. The company prides itself in offering competitive prices, which is why they earned our Top Fee Structure award in 2021.
(Read Full Review)

#5. Top Support

  •  Professional Customer Support
  •  Easy Account Creation
  •  Great customer support and help for beginners

Advantage Gold has a lot of positive reviews on sites like TrustLink and TrustPilot. This company is a great choice for those who are new to precious metal IRA investing as they offer great support and education.
(Read Full Review)

#6. Top for Beginners

  •  Over Two Decades of Experience
  •  Great Bullion Selection

American Bullion is a household name when it comes to Gold IRA rollovers. Based in Los Angeles, CA, this company specializes in IRA-grade coins and bars and also has an extensive selection of collectible and rare coins.
(Read Full Review)

#7. Top for Numismatics

🕿 1-800-473-1213
@ lexicapital.com

Lexi Capital sells a wide range of coins, including numismatics, semi-numismatics and special editions. It emphasizes the difference between collecting and investing, which is a very important point for beginners.

(Read Full Review)

#8. Top Storage

Cornerstone Bullion offers a variety of gold and silver bullion coins and bars, many of which are approved to be deposited into a precious metals IRA, but some are only for collectors and not IRA eligible.

(Read Full Review)

#9. Top Longevity

🕿 1-800-444-8317
@ monex.com

Monex is one of the oldest precious metals dealers in the industry specializing. They have been offering gold and silver IRA investments to their clients as well. The company has been founded by Louis Carabini back in 1987.

(Read Full Review)

#10. Best for Leadership

Augusta prides itself for having high profile clients like Joe Montana, Hall of Fame Quarterback. We like their team's transparency. Isaac Nuriani, their CEO, is a highly educated and experienced professional and is member of Ethics.net

(Read Full Review)


 

Benefits of Having a 5-20% Gold & Silver Allocation in your IRA

 

An example of the famous Tony Robbins “All Seasons portfolio” which has an estimated 8% gold allocation.

As always, please speak to your financial advisor before making any asset allocation decision. The first step in learning how to invest in gold is discovering the myriad reasons why gold investing can benefit your financial situation. The primary reasons you want to own physical gold (not paper gold) as part of an IRA are:
  • Hedge against the declining dollar and money printing policies. Again, history has shown that any decline in the value of the dollar correlates with a rise in the price of gold. While all other assets tend to follow the health of the dollar, gold gives your portfolio additional protection in case the dollar goes south.
  • Safe haven in times of geopolitical, economical and financial turmoil. Gold is often called the “crisis commodity” because people worldwide flee to its relative safety when world tensions rise. While governments and central banks respond to crises by printing more money, gold cannot be produced and the limited supplies make it a hot commodity during those times. A strong case in point is the global financial crisis, which saw the price of gold rise +27.4% between October 9, 2007 and March 6, 2009, a time in which the S&P 500 fell by -54%. Similarly, the Dot Com Crash saw gold prices rise +18% (October 2, 2000 to October 2, 2002) and the Iraq-Kuwait war coincided with a +11.1% gain in gold prices between August 1 and August 14, 1990. Unlike other asset classes, precious metals, and especially gold, is resilient during periods of global political and financial instability.
  • Hedge against inflation AND deflation. History has shown that gold not only responds positively to inflation but holds up against deflation as well. During inflationary periods, the price of gold tends to exhibit upward price movement, although there's no direct correlation between the rate of currency inflation and gold prices. Essentially, when investors notice that the value of their currency is experiencing volatility, they look to sound money, such as physical gold, to store their wealth as a risk-mitigating measure.
  • Supply and demand fundamentals. Gold is not just a beautiful shiny metal, it has real life commercial uses in various industries such as electronics, architecture, high-technology, medicine and more. In particular, gold is used widely in the production of consumer electronics, an ever-growing industry in our modern times. In fact, about $21 billion worth of gold is used every year in commercial electronics like smartphones and tablets. Since there are a limited amount of gold mines, and fewer mines are being discovered each year, this bodes well for those bullish on the price of gold in the long-run.
  • Store of Value. As mentioned initially, you don’t necessarily get rich by owning gold. That is not the point of investing in physical metals. However, unlike stocks and bonds, the value of gold can never be zero as there is inherent material value in the substance itself for manufacturing and industrial usage. At no point in its millennia-long history has the price of gold gone to zero.
  • Portfolio Diversification and Protection. As pointed out previously, at various points in its history gold has had a negative correlation to stocks, bonds, and the dollar. Is your portfolio stock-heavy? Most successful investors will tell you that when it comes to investing: you don't want to put all your eggs in the same basket. Investing in gold and other precious metals such as silver, palladium, platinum, and rhodium offers deep diversification that can protect your wealth during market crashes.

 


 

5 Things to Look For When Choosing a Gold IRA Company

 

This comparison chart is meant to help you compare the ratings & reviews of the most popular Precious Metal IRA dealers. When choosing a company, we recommend looking at these four elements:

#1 Ratings, Ratings & Ratings!

bcabbbtrustlinkThe more positive reviews a company has from its existing client base, the better. Additionally, ratings from authority bureaus like the BBB (Better Business Bureau), BCA (Business Consumer Alliance) and Trustlink are paramount. Feedback from previous clients on websites like YP, Complaint Board and Yelp are also great indicators of the company's professionalism and service quality. For future social proof, I recommend seeing if each company has an active Twitter, Facebook, or Instagram and seeing if they have an active customer base that engages with their content. If they do, chances are they have a following for a reason. If they're inactive or generate suspicious-looking engagement (i.e., from bots or paid reviewers) then you should think twice before entrusting them with your money.

#2 IRA Fee Structure

Always choose a company with flat annual fees, as opposed to companies that have a scaled fee model that grows with the account size. This is especially true for medium and large investors (c.f. $50,000+) and those planning to grow their account size over time. Some of the companies we reviewed can charge thousands of dollars per year for large accounts! We'll reiterate: Always seek out flat-free gold investment companies that won't scale up your fees as your account grows with time.

#3 Efficiency & Delivery Time

Some clients reported that they waited up to 60 days for their accounts to be set up and their precious metals to be delivered. This is simply unacceptable in today's uncertain economic landscape. If you want to protect your wealth quickly, you can't let months pass before you can acquire the assets you need. The best gold investment companies or gold IRA companies typically have same-day or next-day account setup processes. After installation, reputable top gold selling companies generally let you fund your account within 3-5 business days, a which point you're free to instantly buy and sell gold bullion.

#4 Pushy Salesmen or Unfriendly Customer Support

Some agents will try to push you to invest in collectibles and numismatic coins simply because these will yield much high profits for them. This is a major red flag and we strongly recommend that you stay away from companies with such practices. Collectibles are NOT recommended for investors, and they are not approved by the IRS for IRAs. When you contact a precious metals IRA company, ask them as many questions as you can to see how knowledgeable and helpful they are. If you feel rushed or pushed into collectibles, move on to the next one. The only gold or silver eligible for IRA inclusion is physical bullion stored by IRS-approved third-party custodians.

# 5 Other Alternative Investment Options Available?

Your new gold IRA can accommodate additional alternative investments in the future since it is a self-directed IRA. Is the company you are working with able to offer additional alternative investment options such as cryptocurrencies or other potentially interesting investments that you could include in your portfolio? That is a question you should ask. If you ever wanted to expand your horizons and invest in cryptocurrencies or, say, annuities, then it helps to find a provider that offers these assets as well.

 


 

Top Gold IRA Summary

 

We recommend that you contact a few companies before making a decision. Compare their service, products, and fees using our gold IRA reviews, as well as your own homework into each company reviewed—don't merely take our word for it. Also, speak to your financial advisor before making any investment decisions and never invest money that you cannot afford to lose.

  •  Highest Amount of Positive Reviews
  •  Largest List of Alternative Assets
  •  Offers strictly IRA-approved bullion
  •  First year's fees waived

1-855-465-3472


  •  A+ BBB Rating
  •  Great Expertise in Gold IRA Investments

1-888-734-7453


  •  Holistic company with a high client retention rate
  • CEO Joseph Sherman cares about his clients' ROI
  •  Large selection of products


  •  Competitive Fee Structure
  •  Experienced Founders
  •  Owners, Charles & Collin, bring decades of experience in the precious metal space
  •  Only Company offering Texas storage

1-800-341-8584


  •  Professional Customer Support
  •  Easy Account Creation
  •  Great customer support and help for beginners


  •  Over Two Decades of Experience
  •  Great Bullion Selection

1-800-473-1213

1-800-444-8317

 


 

Gold IRA Reviews: Frequently Asked Questions (FAQs)

A Gold IRA, or a Precious Metals IRA, is essentially a self-directed IRA used to invest in physical metals. Only certain custodians offer such as investment product. You will not find it at Vanguard, Charles Schwab or any other standard financial/brokerage firm, as those tend to specialize in paper investment like stocks, bonds, and ETFs. It is also worth noting that not all physical metals are eligible to be held in a Gold IRA. Only high purity bullion products like the American Eagle, American Buffalo, and the Canadian Maple Leaf products are IRS-approved to be held in a Gold IRA. Beware of a company that tries to convince you to invest in numismatic or collectibles.

A Gold IRA, or a Precious Metals IRA, is a complex bureaucratic endeavor that involves a custodian, a dealer, and a depository. The IRS is very strict when it comes to opening a Gold IRA or rolling over a previous 401(k) or IRA into a Precious Metals IRA. This means that any mistake in the process can end up costing you thousands of dollars in penalties and tax implications. This is why it is paramount to choose a company that has a stellar track record in opening Gold IRAs.

Only certain bullion coin and bars are approved by the IRS for investment within an IRA. This has to do with purity level and issuing mint. The American eagles, Canadian maple leafs, Austrian Philharmonic are examples of bullion coins of high purity levels that are issued by recognized governments. Collectible coins and numismatics are NOT approved for IRA investments. Be careful when you shop around for Gold IRA companies because many of them are known to push collectibles and numismatics to their clients to raise their profit margins. A reputable and trustworthy IRA company should only recommend bullion coins that are IRA approved.

A Gold IRA Company or Custodian is a company that specializes in setting up Gold IRAs from beginning to end, including account setup, IRA rollover/transfer, purchase of qualified metals, and storing them with an accredited depository. A Gold IRA Company should be able to handle the entire process for you and answer any question you may have at any step of the process. Gold IRA Companies tend to form strategic alliances with traditional IRA custodians, accredited depositories, and wholesale metal dealers. Example: Regal Assets partners with New Direction IRA, Dillon Gage and Brinks Worldwide for the Precious Metals IRA setup. They also partner up with Lloyds of London for insurance and have other partners for their other alternative investments.

These reviews are totally legit and unbiased since we are simply extracting reviews from external review bureaus like the BBB, TrustLink, the BCA and others. We are an independent Gold IRA magazine with a mission to provide you with all your options. However, as we disclosed on other pages, we DO get compensated when you fill out forms or click on certain links on this page. This doesn't affect the quality of the reviews since we are rating these Gold IRA companies based on what their own customers are saying about them, and based on their fees and other important criteria. We encourage you to do your due diligence and contact several companies before making an investment decision. Also, speak to your financial advisor and ask for their advice.

The #1 scam in this industry is companies trying to sell you numismatics and unqualified gold coins in your IRA. Why? Because these coins yield much higher profits for them. 30%-50%+ profit margins on numismatic coins are very attractive margins for some brokers. Buying such coins can end up costing you thousands in penalties as they are NOT eligible to be held in IRAs.

Home storage is a GREY AREA. Proceed with extreme caution if you plan to take this route. Regal Assets does NOT offer this option as they don't want to put their clients at risk, but other companies we reviewed on this page do. If you decide to choose home storage for your Gold IRA, make sure you ask the company all the details and legalities involved in such a decision. We recommend a safe depository, either in the US or offshore, as it's generally safer. Choose offshore storage such as Cayman Islands, Canada or Singapore if you want your gold out of the US government's reach (multiple companies offer offshore storage). However, home storage is NOT a recommended option here at Gold IRA Guide. It can put you in big legal trouble with the IRS if they find out, and there's also the risk of theft and loss. Depositories are insured against all these risks.

It's marketing 101. All businesses in the world want to lure you in by giving you a freebie. Just like in any industry, companies want to get your contact information so they can have you in their database and be able to contact you. This space is no different than any other industry. However, requesting a Gold IRA kit from a company is something you should do before investing any sum of money with them or doing any rollover. The kits are usually 100% free and no obligation, so you don't risk much. Sure, they can email you and call you but you can opt-out of emails and tell their brokers to stop calling you after the first phone call if you aren't interested. They won't be able to pester you after that.

It depends on many factors. What do you care about most? Ratings? Storage options? Availability of other alternative investment options? Physical location? Customer support? Once you decide which factors matter the most to you, make a shortlist of a few companies that meet your criteria, and either give them a call, or request their free gold kits to learn more about their company and products.


 

There's never been a better time to invest in a crypto or gold IRA or 401(k). With the stock market breaching unprecedented levels of volatility, risk-conscious investors would do well to protect their wealth with non-correlated assets. To get started, consider checking out our list of IRA-approved gold bullion, silver, or cryptocurrency eligible for IRA/401(k) inclusion.

Not only can precious metals and cryptocurrencies safeguard your wealth from market shocks, but they can also significantly increase your wealth, as we've seen with gold, Bitcoin, and Ethereum in recent years. In 2020 alone, gold saw an annual percentage change of +24.4%, whereas Bitcoin has an average annual growth rate of +95%. Be warned, however, that past results do not guarantee future performance.

Amid global instability, now is the time to protect your hard-earned wealth. Unsure about which alternative assets IRA company to choose? Let us match you based on your situation and objectives by taking this 1 minute quiz:

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