COMING SOON
Precious Metals IRA
Hold Real Gold and Silver in Your Retirement Account
Build a retirement account around physical precious metals. A Precious Metals IRA from Retired.com lets you own IRS-approved gold, silver, platinum, and palladium with the same tax advantages as a traditional IRA.
★★★★★
COMING SOON
How It Works: Get Started in Minutes
1. Open Your IRA
Establish a self-directed Precious Metals IRA online. Choose Traditional, Roth, SEP, or rollover.
2. Fund the Account
Transfer, roll over, or contribute. Funding is tax-free when handled as a direct rollover.
3. Select Your Metals
Browse IRA-eligible bars and coins. We arrange storage at an approved depository.
Benefits of Holding a Precious Metals IRA with Retired.com
Inflation Protection
Precious metals have historically preserved purchasing power during inflationary periods, providing a hedge inside your retirement portfolio.
Expert Support
Real precious-metals retirement specialists guide you through eligibility, allocation, and storage decisions.
Insured Custody
All metals are stored at IRS-approved depositories with segregated allocation and full insurance coverage.
Transparent Fees
Clear, predictable custody and storage fees. No hidden charges and no surprises.
Ways to fund your Precious Metals IRA
Strategies
Your Precious Metals IRA Blueprint, for Free
Curious about IRA-eligible products, contribution rules, or how a Precious Metals IRA fits alongside other retirement accounts? Our resource center walks you through it all.
Learn Before You Invest with Retired.com’s Precious Metals IRA Articles
The latest insights on Precious Metals IRAs, allocation strategies, and best practices from our retirement specialists.
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Frequently Asked Questions
What is a Precious Metals IRA?
A Precious Metals IRA is a self-directed individual retirement account that holds IRS-approved physical gold, silver, platinum, and palladium. It offers the same tax treatment as a traditional or Roth IRA.
Which metals are IRA-eligible?
The IRS requires specific purity levels: 99.5% for gold, 99.9% for silver, and 99.95% for platinum and palladium. American Eagles, Canadian Maple Leafs, and approved bars from recognized refiners typically qualify.
Can I store metals at home?
No. The IRS requires that IRA-held precious metals be stored at an approved depository. Storing them at home would be considered a distribution and trigger taxes and penalties.
What are the contribution limits?
Precious Metals IRA contributions follow standard IRS limits for the IRA type you choose, whether Traditional, Roth, or SEP. Rollovers from other retirement accounts are not subject to those annual contribution limits.
Can I take physical possession of my metals?
Yes, but only when you take a distribution. You can choose to receive your metals in-kind rather than as cash, subject to applicable taxes and penalties depending on your age and account type.
How do I sell metals from my IRA?
Retired.com offers buyback at competitive market rates. Proceeds stay inside your IRA, where they can be reinvested into other metals, traditional assets, or cash equivalents.
Are my metals insured?
Yes. All IRA-held metals are stored at IRS-approved depositories with full insurance coverage and segregated allocation, so the specific items you purchased are held in your name.
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