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10 Essential Gold IRA Facts To Know Before Investing
SAME RULES AS YOUR CURRENT IRA:
Self-Directed Gold IRAs follow the exact same tax rules as Traditional IRAs. Your money grows tax-deferred, or tax-free with a Roth. The only real difference? You can take your metals directly (in-kind) or cash out to meet your RMDs.
BEST WAY TO AVOID HIGH CAPITAL GAINS TAX:
Precious metals outside an IRA are hit with a 28% capital gains tax — the highest of any investment. Hold gold and silver inside a Gold IRA, and you bypass that tax completely. Your buying and selling stays tax-free until you withdraw.
DON’T BE FOOLED BY TOP 5 DEALER LIST:
Most “Top Gold Dealer” rankings are paid promotions — not real reviews. Many popular news sites earn up to 6% in affiliate kickbacks, so they’ll say almost anything to send you there. The truth? The Majority of Dealers on the top of those lists often charge double in fees just to pay affiliate fees to the biggest news site in the nation.
At Certified Gold Exchange, our Price Match Plus Guarantee can save you up to 50% in fees — with no games, no gimmicks. Don’t fall prey to Paid Affiliates so-called 5 best companies list. Buy smarter because discount exchanges don’t use affiliate marketing to fool you.
BEST WAY TO NEVER GET OVERCHARGED:
Some dealers mark-up exclusive coins by 30–60% — and you can’t price check them because they’ve locked in exclusive mint contracts.
How to avoid the trap:
- Never buy a coin for the story or “rarity”
- Stick with American Eagles, Maples, or Suisse bars
- Watch out for invoices with a few Eagles at cost — then high-markup coins hidden in the rest
Big premiums when you buy, That vanish when you sell. That’s the game, so don’t play it.
IS A GOLD IRA SAFE AND LEGIT?
Yes — when set up properly, a Gold IRA is 100% IRS-approved and completely secure. Your metals are stored in an insured depository, approved by the IRS and backed by Lloyd’s of London. You hold real gold or silver, not paper promises — a smart way to protect your retirement nest egg from rising prices.
ARE THERE ANY HIDDEN FEES?
Every IRA custodian lists their fees online — but many dealers are less forthcoming. The best ones post a clear, simple contract on the bottom footer of their site. At Certified Gold Exchange, ours is at the bottom of every page — easy to read and free of legal tricks. Compare us to anyone. You’ll see lower fees — and no fine-print surprises.
⚠️ Watch out for contracts with commissions that “may rise to 25% or more.” That’s where the hidden costs live. They give a range but 90% of their clients are paying the max.
👉 See how easy to read and understand a contract should be: https://certifiedgoldexchange.com/account-agreement.pdf
ARE FREE GOLD & ZERO FEE IRAs LEGIT?
Free gold? Free fees? Just marketing tricks. Like your mother said — nothing in life is free.
Dealers offering freebies often charge up to double in fees than Certified Gold Exchange. Don’t take our word for it — read their account agreements.
With CGE’s Price Match Plus Guarantee, you always get a better deal than even the five largest discounters and the link to this policy is on every page of our website header— no gimmicks, no games.
WHAT IS CERTIFIED GOLD EXCHANGE’S PRICE MATCH PLUS GUARANTEE?
We automatically check the 5 largest online discounters — then beat their price before your order is finalized. That’s how Certified Gold Exchange ensures you always get the best deal, while protecting our 5-star Google rating and 33-year record of zero BBB complaints.
Want details or to use this policy with your dealer of choice? Call 800-425-5672 — and see how much you could save.
BEWARE OF RAZZLE & DAZZLE:
Many conservative influencers are paid six or seven figures by gold dealers to endorse them. That doesn’t mean they’re the best — likely just much more expensive.
This is a business model. Step 1. Pay celebrities you respect. Step 2. Drastically overcharge for your metals because you somehow think that celebrity is not doing it for the money.
These celebrity-backed firms often charge over double in fees to CGE. Some have even been sued by states for excessive fees — and yet they still appear on “Top 10” lists created by paid affiliates and have celebrities lining up to receive a payday. At CGE, we don’t pay influencers — because our goal is to save you money.
AVOIDING LA LA LAND GOLD DEALERS:
Many Los Angeles gold dealers — even those incorporated in Wyoming — pay for celebrity endorsements, appear on paid “Top 5” affiliate sites, and push exclusive coins with massive markups.
Based on public account agreements and firsthand client disclosures, you could lose over 25% of your IRA just in initial fees.
We believe that’s a mistake. The more you save, the faster you break even.
We’ve compiled a list of firms whose pricing practices deserve a second look.
If you’ve spoken with one — or are about to — call CGE at 800-425-5672 for a confidential second opinion before it’s too late.
Note: While some of these firms list Wyoming as their main office, most were originally founded in Southern California — and still operate from there today. Relocating on paper doesn’t change where their sales teams are hired or how they do business.
https://www.ftc.gov/advice-guidance/competition-guidance/competition-counts
In 33 years, Certified Gold Exchange has never had a single client complaint filed with the BBB — a record built on Accountability, Integrity, and Reliability. We hold a 5-star Google rating — not by paying influencers or showing up on affiliate lists, but by always putting our clients first.
We don’t believe in gimmicks, pressure tactics, or paid promotions that inflate your cost. Just transparent pricing, expert guidance, and a team that treats your retirement with the respect and care it deserves. Call 800-425-5672 or request our free guides today — and protect your future from the high-inflation years ahead with a team you can trust.
Avoid These 10 Gold IRA Scams.
DEALERS USE ON YOU
