Precious Metals IRA
Diversify Your Retirement with Gold, Silver, Platinum & Palladium
A Precious Metals IRA (also known as a Gold IRA or Self-Directed IRA) allows you to hold physical gold, silver, platinum, and palladium bullion in a tax-advantaged retirement account. Unlike traditional IRAs that are limited to stocks, bonds, and mutual funds, a self-directed IRA gives you the ability to invest in tangible assets that have preserved wealth for thousands of years.
Standard Bullion works with leading IRA custodians to help you set up, fund, and manage your precious metals retirement account. Whether you're rolling over an existing 401(k), transferring from a traditional IRA, or opening a new account, our team will guide you through every step.
Why Add Precious Metals to Your IRA?
- Inflation protection: Gold and silver have historically maintained purchasing power during periods of rising prices and currency devaluation.
- Portfolio diversification: Precious metals often move independently of stocks and bonds, reducing overall portfolio risk.
- No counterparty risk: Physical bullion is a tangible asset — it doesn't depend on any company's performance or solvency.
- Tax advantages: Contributions to a traditional Precious Metals IRA may be tax-deductible, and gains grow tax-deferred until withdrawal.
- Long-term stability: Gold has maintained value across centuries, making it ideal for long-term retirement planning.
How It Works
1. Open a Self-Directed IRA Account
Choose an IRS-approved custodian that specializes in self-directed IRAs with precious metals. Standard Bullion works with several established custodians and can help you select the right one for your needs.
2. Fund Your Account
Fund your new IRA through a rollover from an existing 401(k), 403(b), TSP, or traditional IRA. You can also make direct contributions within IRS annual limits. Rollovers and transfers are typically tax-free when done correctly.
3. Select Your Precious Metals
Work with Standard Bullion to choose IRA-eligible gold, silver, platinum, or palladium products. We'll help you select products based on your investment goals, budget, and the current spot prices.
4. Secure Storage
Your physical metals are shipped directly to an IRS-approved depository for secure, insured storage. You maintain full ownership and can take physical delivery when you reach retirement age or close the account.
IRA-Eligible Precious Metals Products
The IRS has specific requirements for precious metals held in an IRA. Products must meet minimum fineness standards:
Gold (minimum .995 fineness)
- American Gold Eagles (exempted from .995 rule)
- American Gold Buffalo
- Canadian Gold Maple Leafs
- Australian Gold Kangaroos
- Austrian Gold Philharmonics
- LBMA-approved gold bars (.995+ fineness)
Silver (minimum .999 fineness)
Platinum (minimum .9995 fineness)
Palladium (minimum .9995 fineness)
Frequently Asked Questions
What is a Precious Metals IRA?
A Precious Metals IRA is a self-directed individual retirement account that allows you to hold physical gold, silver, platinum, and palladium as part of your retirement savings. It offers the same tax advantages as a traditional or Roth IRA but with the added benefit of owning tangible assets.
Can I roll over my existing 401(k) or IRA into a Gold IRA?
Yes. You can roll over funds from a 401(k), 403(b), TSP, traditional IRA, or Roth IRA into a self-directed Precious Metals IRA. The rollover process is typically tax-free and penalty-free when completed as a direct (trustee-to-trustee) transfer.
What are the fees for a Precious Metals IRA?
Fees vary by custodian but typically include an annual account maintenance fee ($50-$100), an annual storage fee ($100-$150), and a one-time setup fee ($50-$100). There are no additional fees from Standard Bullion for IRA purchases.
Where is my gold stored?
IRA precious metals must be stored in an IRS-approved depository. These are highly secure, fully insured facilities. You cannot store IRA metals at home or in a personal safe — doing so could result in taxes and penalties.
Can I take physical delivery of my IRA metals?
Yes. When you reach age 59½ or close your IRA, you can take an in-kind distribution and receive your physical gold, silver, platinum, or palladium. Standard distribution rules and taxes apply.
How do I get started?
Contact Standard Bullion at 833-376-9980 or email info@standardbullion.com. We'll walk you through the custodian selection, account setup, and help you choose the right precious metals for your retirement goals.
Ready to Protect Your Retirement with Precious Metals?
Get started today with a free consultation. Our team will help you choose the right IRA structure and precious metals for your goals.