A self-directed IRA for gold or precious metals is an individual retirement account that allows investors to invest in physical gold, silver, platinum and palladium bullion or coins. When you have a self-directed precious metal or gold IRA, you aren’t limited to conventional investment assets like stocks, bonds and mutual funds. This gives you more control over your investments and allows you to diversify your portfolio with tangible assets.
To set up a self-directed gold and precious metals IRA, you must work with a custodian specializing in alternative assets. The custodian will help you create a new IRA or transfer funds from an existing IRA, and then you can use those funds to purchase physical gold and precious metals.
You should also be aware of the fees associated with self-directed gold and precious metals IRAs, which may be higher than standard IRAs due to the specialized nature of the investments. However, when you choose to invest with Accuplan, you can get competitive pricing.
Investing in Precious Metals With Accuplan
We offer the most straightforward, complete precious metals IRA program in the industry. We have some of the lowest IRA fees and precious metals storage fees, so you can save more while gaining access to the most flexible investment options.
We are uniquely poised to help retirement savers avoid the complications, errors and high costs inherent in other precious metals IRA programs. Our direct relationship with our custodian minimizes errors and transaction times, streamlining the entire process.
Self-Directed Gold IRA Helps Protect Retirement Money
Self-directed retirement portfolios invested in gold are ideal for anyone who wants to diversify beyond conventional paper assets. Keeping a retirement portfolio invested solely in stocks and bonds may make retirement savings more vulnerable to market turmoil and inflation.
A self-directed gold IRA rollover can help protect retirement money, as gold and silver hedge against the devaluing of the U.S. dollar. This is because when inflation occurs, gold typically appreciates. In times of economic uncertainty, you can find a haven in hard assets like precious metals.
See what other alternative assets are available with Accuplan as your SDIRA provider.
Precious Metals Allowed Within an IRA
It’s important to note that the IRS restricts the types of gold and precious metals that investors can hold in an IRA. For example, the IRS only allows investment-grade gold and silver bullion and coins to be held in an IRA, and certain coins must meet specific requirements to be eligible.
With Accuplan, we can help you invest in gold, silver, platinum and palladium.
Gold
Popular bars or proof coins include American Eagle, Australian Kangaroo or Nugget, Austrian Philharmonic, Canadian Maple Leaf, Credit Suisse – Pamp Suisse Bars 0.999 fineness, U.S. Buffalo Gold Uncirculated coins with no proof, plus more.
Silver
Popular bars or proof coins include American Eagle, Australian Kangaroo or Nugget, Austrian Philharmonic, Canadian Maple Leaf, Mexican Libertad, plus more.
Platinum
Popular bars or proof coins include American Eagle, Australian Kangaroo or Nugget, Austrian Philharmonic, Canadian Maple Leaf, Isle of Man Noble coins, plus more.
Palladium
Popular bars or proof coins include Canadian Maple Leaf, Credit Suisse – Pamp Suisse Bars of 0.999 fineness, plus more.
Below is the minimum fineness required for a gold and silver IRA:
- Gold 99.5%
- Silver 99.9%
- Platinum 99.95%
- Palladium 99.95%
Why Accuplan Benefits Services Is the Premier Precious Metals Provider
While several custodians in the industry offer self-directed precious metals IRAs, Accuplan has established itself as a premier provider for several reasons:
- Wide range of precious metals offered: At Accuplan, we offer a wide range of precious metals for you to choose from, including gold, silver, platinum and palladium, as well as other alternative assets. This provides you with greater flexibility and control over your investment portfolio.
- User-friendly platform: We provide a user-friendly online platform that lets you easily manage your precious metals IRA, including making contributions, tracking investments and executing transactions. This ease of use makes it more convenient for you to manage your retirement investments.
- Excellent customer service: We are known for our excellent customer service, with a team of knowledgeable and friendly professionals who are available to answer your questions and provide support as needed.
Our combination of experience, wide range of offerings, competitive fees, user-friendly platform and excellent customer service make us a premier provider of self-directed precious metals IRAs.
- Expertise to keep all self-directed IRAs fully legal with the IRS
- A no-delay, mistake-free and hassle-free process from beginning to end
- Certified, insured, bonded and super secure storage at the depository
- Dual verification of delivery, receipt and storage provided by two unrelated institutions
- One-stop for self-directed gold IRA setup, including coin and bullion order, shipment, secure storage, record keeping and reporting to the account holder
- Liquidation when needed later
Open an account with Accuplan in less than 10 minutes, and start investing today!
Storing Metals and Associated Fees
Within a self-directed gold IRA, fees typically consist of a one-time setup fee, an annual administrative or custodial fee, and a monthly precious metals storage fee.
We have some of the lowest gold IRA fees in the industry. We pride ourselves on making precious metals investments quick, painless and easy to manage.
According to IRS rules, individuals who own precious metals in their self-directed IRAs cannot store the precious metals themselves at home. As a result, self-storage is not possible, as it would be considered a distribution from your IRA. In addition, distributions before retirement age, even in precious metals, would result in tax penalties.
At Accuplan, we use Delaware Depository in Wilmington, Delaware, for all our precious metals storage.
Precious Metals and Gold IRA Fees
Setup Fee: $50.00
Annual Fee: $195.00
Monthly Fee: $12.00
Special Note: The fees above are per precious metals holdings within an IRA. Learn more about the complete list of other fees that an Accuplan IRA may incur.
Open a Self-Directed Precious Metals IRA With Accuplan
Accuplan specializes in self-directed retirement accounts, including self-directed precious metals IRAs. There are several reasons why you might choose to open a self-directed precious metals IRA with us at Accuplan:
- Expertise: We have been helping investors since 1985 and can provide you with expert guidance on setting up and managing your precious metals IRA.
- Flexibility: With a self-directed precious metals IRA, you have more control over your investments and can choose from a wide range of precious metals.
- Low fees: Our fee structure is competitive, which means you can save money on fees and potentially earn higher returns on your investments.
- Security: We take the security of your assets very seriously and employ industry-standard security measures to protect against fraud and theft.
To start investing in precious metals, open an account with us at Accuplan today.
*Our information shouldn’t be relied upon for investment advice but simply for information and educational purposes only. It is not intended to provide, nor should it be relied upon for accounting, legal, tax or investment advice.
