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If you have been wondering how to protect your wealth and retirement savings in today's uncertain economic landscape, you are at the right place. Like many high net-worth investors, national banks and governments, we believe that gold (and other bullion metals) is one of the best types of investment you can make today as part of a well-diversified portfolio. Moreover, we launched this website to highlight the fact that one of the safest and most efficient ways Americans can invest in physical bullion metals while saving on tax is to convert part of their IRA, 401(k), Annuity or other retirement plan to a physical gold bullion-backed IRA. (The process is also referred to as a gold IRA rollover)
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Gold Supplies Are Limited – Time is Not On Your Side!
Unlike paper money, stocks, bonds and real estate, gold cannot be produced. We are limited by the supplies available on earth, and as you can see from the graph below, the world is running out of mining sites.
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Benefits of a Precious Metals IRA (Also referred to as a Gold IRA)
Benefits of a Precious Metals IRA (Also referred to as a The 2008 Crisis was a big wake up call for many American investors. Real Estate prices dropped overnight. Stocks & bonds became highly unpredictable. Major currencies like the US dollar and Euro also went on a downhill path. Virtually every other type of traditional investment was no longer trustworthy. Banks and governments themselves have been looking for ways to hedge against market volatily, and precious metals such as gold and silver turned out to be the best option.
Note: there are many ways to invest in gold, such as gold mining stocks, ETFs and mutual funds. However, we strongly believe that investing in physical bullion through an IRA is the safest and most efficient strategy for anyone that is worried about the economy, inflation and political instability. A Gold-backed IRA also has the advantages of being tax-free and is handled securely by an accredited custodian that will ensure you get investment-grade bullion that meets the IRS requirements. [Click here to learn more]Know the Pros & Cons of Your Retirement Account
In order to know if you can invest in precious metals through your existing retirement vehicle, check out the table below. As you can see, there are over a dozen types of retirement vehicles in the United States. Which one(s) do you have? Each account has its own limitations and flexibility. Most accounts should allow you to achieve a gold IRA rollover.
| Plan Type | Sponsorship | 2024 Contribution Limit | Roth Option? | Allow Gold Stocks? | Allow Gold ETFs? | Allow Gold Bullion |
|---|---|---|---|---|---|---|
| 401(k) | Private Employer | $23,000 | Yes | Maybe | Maybe | No |
| Solo 401(k) | Self-employed | $69,000 | Yes | Yes | Yes | Yes |
| Keogh Plan | Self-employed or Unincorporated Employer | Depends on Type of Plan | No | Maybe | Maybe | No |
| 403(b) | Government or Non-profit Employer | $23,000 | Yes | Maybe | Maybe | No |
| 457(b) | Government or Tax-exempt Employer | $23,000 | Yes | Maybe | Maybe | No |
| SIMPLE IRA | Private Employer | $16,000 | Yes | Yes | Yes | Maybe |
| SEP IRA | Business Owners & Self-employed | $69,000 or 25% of Compensation | Yes | Yes | Yes | Maybe |
| Profit Sharing Plan | Private Employer | $69,000 or 100% of Compensation | No | Maybe | No | No |
| Money Purchase Plan | Private Employer | $69,000 or 25% of Compensation | No | Maybe | Maybe | No |
| Annuity | Individual | None | No | Maybe | Maybe | No |
| ESOP | Private Employer | Varies | Yes | Maybe | No | No |
| SARSEP | Private Employer | $69,000 or 25% of Compensation | No | Yes | Yes | Maybe |
| Traditional IRA | Individual | $7,000 / $8,000 | Yes | Yes | Yes | No |
| Precious Metals IRA | Individual | $7,000 / $8,000 | Yes | Yes | Yes | Yes |
| Thrift Savings Plan (TSP) | Government or Military | $23,000 + $7,500 Catch-up Contribution | Yes | No | No | No |
[Click here to learn more about all retirement plans]
What Percentage of My Portfolio Should be Dedicated to Gold & Silver?
Most financial analysts agree that 5 to 10% of your retirement portfolio should be dedicated to precious metals. APMEX recommends 5 to 30%, depending on the level of risk you are willing to take, and your overall faith in the dollar and future of the economy.
Since a self-directed IRA gives you full control of your investments, you are free to add any type of precious metal coin or bar to your portfolio, as long as it is IRS-approved. If you are investing a large amount in precious metals ($100,000+) many recommend a healthy mix of gold, silver, platinum and palladium. If you are investing a small amount (e.g. $5,000) focusing on one metal is probably a more common strategy. Since every portfolio is different, we highly recommend speaking to both your financial advisor and a trustworthy gold IRA custodian before making any investment decision.
[Click here to learn more about asset allocation]
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