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3 Types of Gold IRA Investments: Don’t Let Inflation Spoil Your Retirement Party

 

Introduction To Gold IRA Investments

With inflation rearing its ugly head, retirement investors are looking to protect their future purchasing power with a gold IRA investment.

There are three main ways you can invest in gold IRAs to diversify your retirement portfolio.

Investors acquiring precious metals that want sole ownership will need to set up a self-directed IRA through a gold IRA company and choose an IRS approved depository. If owning actual gold is not important, you should consider the pros and cons of gold stocks, mutual funds or a gold ETF.

What Is A Physical Gold IRA?

A physical gold IRA is when you have sole ownership of physical precious metals held in a self-directed IRA and stored at a 3rd party IRS approved depository.

Although generally referred to as a gold IRA, other approved precious metals you can hold are physical silver, platinum, and palladium. In fact, if you ask your gold IRA company, they’ll tell you that more people are investing in silver IRAs than gold IRAs in recent years.

You are allowed to hold 1/10, ¼, ½, and 1 ounce U.S. Treasury Department minted precious metal coins. Additionally, other bullion bars and rounds are considered approved precious metals if they meet stringent purity requirements. All precious metal coins must be in Brilliant Uncirculated (B.U.) condition. U.S. Proof American Gold Eagle and Silver Eagle coins are allowed as long as they have the Certificate of Authenticity and are in flawless condition with the original U.S. mint packaging.

Once the gold IRA company delivers your investment, the depository will take up to 5 days to verify that your items are authentic (not counterfeit) and are in perfect B.U. condition. The depositories generally only offer commingled storage for silver coins in your precious metals IRA. Physical gold coins and gold bars can be stored segregated in a private safety deposit box for an additional annual cost. Other precious metals items such as platinum and palladium can be stored either commingled or segregated. Most precious metal depositories are insured by Lloyds of London and must be qualified per (IRC-408n).

Physical precious metal IRA accounts are typically the most costly option of gold investments because the metal must be shipped, stored, and insured, unlike a digital asset.

You will need to pay the annual custodial fee and insured depository cost of under $200. There is also a buy/sell spread charged when purchasing physical precious metals.

Selecting a precious metals dealer is the most crucial step with physical gold investments inside your self-directed IRA. The gold IRA industry is not regulated by the SEC and so many gold IRA companies use tricky promotions, fake affiliate reviews and will try to sell you obscure over-priced items.

While you can lose money with a gold or silver IRA depending on market conditions, physical precious metals have been valuable and considered money for the last 2500 years.

Pros of Holding Gold Bullion Investment

  • You Own 100% Of The Precious Metals On Account
  • Can Take Delivery In National Emergency
  • Physical Gold And Silver Bullion Rise with Spot Price
  • Can Take In-Kind or Cash Distributions for your RMDs
  • Never been worth zero and is a debt-free asset

Cons of Holding Gold Bullion:

  • Costs Are Higher When Buying Physical Gold And Silver Versus Digital Assets
  • Overpriced California Gold IRA Companies Have Big Ad Budgets
  • Best Gold IRA Companies Reviews Are Paid Affiliate Scams
  • Watch Out For Free Gold Or Silver And Zero Fee Promos
  • Many Los Angeles Area Companies Charge Massive Spreads

Popular Precious Metal Bullion Investments That are IRS Approved for a Self-Directed IRA:

  • U.S. and Royal Canadian Mint Gold Coins
  • Gold Bars .999 or Better
  • Platinum Coins And Bars
  • Silver Bars .999 or Better
  • Perth Mint gold, silver, platinum coins
  • American Eagle Gold And Silver Proof Coins
  • All products allowed in a precious metals IRA must be Brilliant Uncirculated (B.U.) condition.

Gold American Eagles are the most popular precious metal coins held inside a Traditional or Roth IRA. In addition to gold, the internal Revenue Service (IRS) also allows silver, platinum, and palladium metals inside your self-directed IRA. So long as they meet specific purity requirements and are in Brilliant Uncirculated (B.U.) condition.

Your precious metals dealer of choice can help you complete your new gold IRA paperwork or help you sell precious metals from your Self-Directed individual retirement account.

The Certified Gold Exchange specializes in selling gold bullion and silver coins. Since 1992, we have offered the best precious metal prices coupled with exceptional service. Contact our gold IRA experts to set up a precious metals IRA account. Or even if you are acquiring precious metal for home delivery. Whether you want to invest in gold or are considering selling your holdings, call the most reputable gold IRA company in the U.S. at 800-300-0715.

Gold Stocks In Retirement Accounts

Many gold IRA investors choose to bet on the rising gold prices by purchasing individual precious metal stocks. While paper assets like equities do offer exposure to metals, they also come with additional risk compared to precious metal IRAs holding physical items.

Stock investing can be complex because there are 100s of variables along with supply and demand that affect values. Gold stocks are generally more volatile than other sectors. According to an Ernst & Young Global Limited 2020 mining report, the top ten opportunities and risks affecting the mining industry are:

  1. License to Operate
  2. High-Impact Risks
  3. Productivity and Rising Cost
  4. Decarbonization and the Green Agenda
  5. Geopolitics
  6. Capital Agenda
  7. Workforce Issues
  8. Volatility
  9. Digital and Data
  10. Innovation

The Top 10 Publicly Traded Precious Metals Mining Companies Based Market Cap Are:

  1. BHP, Australia/UK 180.45
  2. Rio Tinto, Australia/UK 146.75
  3. Anglo American, UK 63.37
  4. Glencore, UK 61.08
  5. Newmont Corporation, U.S. 59.29
  6. China Shenhua Energy, China 59.26
  7. Barrick Gold, Canada 44.94
  8. Zijin Mining Group, China 44.21
  9. Anglo American Platinum, South Africa 33.88
  10. Franco-Nevada, Canada 29.25

Above figures represent billions in U.S. dollars. Source:https://www.statista.com/statistics/272706/top-10-mining-companies-worldwide-based-on-market-value/

Gold Mutual Funds

Gold funds are professionally managed and are another way to gain exposure to precious metals in retirement accounts. They are generally invested in precious metals mining stocks but occasionally hold physical gold, silver, platinum, or palladium. These funds can be an effective option for a retirement portfolio for those that can’t hold precious metals physically in a gold IRA.

The Largest Precious Metals Funds by Market Cap Are:

  1. Wells Fargo Advantage Precious Metals Fund – (EKWAX)
  2. Fidelity Select Gold Portfolio Fund – (FSAGX)
  3. Gabelli Gold Fund – (GLDAX)
  4. USAA Precious Metals and Minerals Fund – (USAGX)
  5. Invesco Oppenheimer Gold and Special Minerals Fund – (OPGSX)

While you do get exposure to precious metals with funds, they rarely outperform the physical gold markets. According to a 2020 Forbes report by Senior Contributor Larry Light, “60% of actively managed mutual funds underperformed the S&P 500”.

Let’s look at some of the advantages and disadvantages of investing in mining stocks and mutual funds inside your retirement account:

Pros of Buying Precious Metals Stocks

  • Lower Cost Then Investing in a Physical Gold IRA
  • Are Typically Available in a Traditional IRA Custodian Brokerage Account
  • Trading Is Quicker Then With Shipping Timeline Of Physical Gold IRAs
  • You May Be Exposed To Other Precious Metals Then Intended
  • You Will Avoid Gold IRA Scams From Los Angeles Companies

Cons Of Buying Precious Metals Stocks

  • Your Gold IRA Account Owns No Real Physical Gold
  • There Are Many Variables with Mining Stocks Like Geopolitical Issues
  • The Gold and Silver Stocks You Own May Increase Debt By Issuing New Shares
  • You Don’t Get Direct Dollar for Dollar Growth with the Gold Prices
  • Lower Gold and Silver Prices Could Make Mining Unprofitable

Investing in gold mining stocks and gold mutual funds may be a great option if you don’t demand sole ownership of gold coins or bullion bars. To set up a gold IRA with mining stocks, ask your financial advisor about your options.

Exchange Traded Fund (ETF): A Tool To Suppress The Precious Metals Prices

While the authors of this guide own gold stocks and physical precious metals inside a self-directed IRA, we are not keen on ETFs. The top five reasons that we shy away from gold ETFs are:

  • The Supply of Metal in Gold ETFs Doesn’t Always Match The Demand
  • Difficult to Understand Expense Ratios with Exchange Traded Funds
  • You Don’t Have a Claim to Physical Metals as with a Self Directed Gold IRA.
  • Gold ETFs Don’t Move Dollar for Dollar with Gold Bullion.
  • Many Precious Metals ETFs May Be Thinly Funded, Causing Liquidation Issues
  • Some Gold ETFs Employ Leverage That Could Cause Value Decay

In a nutshell, ETFs are short-term investment vehicles and are a complex way to invest in gold inside an Individual Retirement Account.

Do you need help setting up your gold or silver investment?

First off, do not search for “best gold IRA companies” because you’ll be inundated by overpriced Southern California dealers paying affiliates for your information. You will end up paying an additional 23-37% more for the same gold IRA products than if you used a reputable dealer.

Contact the Certified Gold Exchange today to roll your old 401k to a Self-Directed Gold IRA. We guarantee a smooth transition from paper assets to your debt-free sole ownership gold or silver IRA. Call our gold IRA experts at 800-300-0715 and be sure to ask why silver IRAs are expected to outperform gold IRAs.

Disclaimer: CGE buys and sells exclusively in physical bullion coins and bars for delivery to a precious metals depository or your home. For more information on how to transfer to a self-directed gold IRA investment or for your free precious metals investors kit, call 1-800-300-0715.

 

Written by retirement experts Pat Collins and John Halloran

Belinda MurelBelinda Murel ★★★★★ Working with Pat and the team at Certified Gold Exchange made the process of diversifying my retirement savings stress free. I’m confident the selection of precious metals offered were the best fit for my situation and at the best price. No high pressure sales tactics, just fact based answers to the questions and concerns I had. Highly recommend.Timothy FeeleyTimothy Feeley ★★★★★ Working with Certified Gold Exchange has been a positive experience. Working with Pat is not just working with another business vendor, I feel I am working with a trusted advisor. No hard sells. No wild claims. His explanation of the paperwork process between companies and his follow-up during the process is excellent. I appreciate his fact-finding approach to my specific needs. He always had time for me to ask questions and/or discuss ideas I was thinking about. A good business relationship.Warren RichardsonWarren Richardson ★★★★★ I had an excellent experience with Certified Gold Exchange. I dealt directly with Pat Collins who was professional, knowledgeable, informative, and very easy to work with. He responded quickly and precisely to any and all of my questions. Very highly recommended!Edward AlbertEdward Albert ★★★★★ I was looking to liquidate the precious metals in my IRA . The horror stories I had heard of about some gold and silver dealers had me very apprehensive. When I called Certified Gold Exchange and talked with Patrick, I quickly felt a sense of trust in his voice. He answered all my questions and understood my fear of getting taken advantage of. He and his team work very hard behind the scenes ensuring the transaction to go smoothly. As a result CGE has earned my 5 star rating! I will contact them again if I want to buy or sell in the future!ALAN BROWNALAN BROWN ★★★★★ Certified Gold Exchange's website really jumped out to me as I began researching precious metal IRA's. I found it to be incredibly comprehensive and informative, answering questions I did not even know to ask and alerting me to bad practices within the industry as well. So, I called and found the CGE team to be every bit as helpful as the website. They were responsive immediately and throughout the process of establishing an account and funding it. They were particularly helpful when dealing directly with my current custodian and getting funds rolled over. Pat and Mary have been courteous, personable, and very professional working with me and even helped with questions outside the immediate business at hand. I have already referred friends to CGE and will continue to do so.Alison WeinbergAlison Weinberg ★★★★★ Pat and team are very knowledgeable and professional!Ismail KenessyIsmail Kenessy ★★★★★ Customer since 2005. Professional, courteous, and helpful. CGE walked me through the process and provided the best prices available with minimum costs. Excellent service.Joe MurrayJoe Murray ★★★★★ What super service I received from the Certified Gold Exchange precious metals IRA team. Wow is all I can say! I had a large amount of coins in a gold and silver IRA for many years and decided to sell. I spent just about a whole day talking to several metals dealers about purchasing my metals. Call after call I did not feel good about what I was hearing with these dealers so I called the company that helped me set the gold and silver IRA up. Their name is Broad Financial LLC. I explained the problem I was having with finding a buyer and they said that is common in the industry. They told me to call the Certified Gold Exchange, Inc in Fort Worth, Texas. I spoke with Mr C there and was impressed that their quote was above the spot price (because I was hoping to get the spot price). They explained that American Eagles buy back at over spot and I said not with all the other dealers I called. I shipped the metals to their New York depository following the Certified Gold Exchange's instructions. Candace at CGE tracked the package every step of the way and I was updated along the way. Then when my metals arrived at the Certified Gold Exchange depository they told me that several of my coins were actually American Eagle Proof coins, not the bullion version I thought I had. They increased their original quote by $3000.00 dollars! Shocking that a company would be so honest because they could have just sent the original amount and I would have been happy. Needless to say I will never deal with a different metals dealer except the Certified Gold Exchange. Their gold IRA team is the best by leaps and bounds. I highly recommend Candice, Mr. C and the CGE team to any one looking to buy or sell metals with a great experience. Americans trusted source For Gold is not just a tagline with these folks.ted okolowiczted okolowicz ★★★★★ After searching and checking out different metals companies, I decided that Certified Gold Exchange Inc. was my choice. They have exceeded my expectations and made my IRA rollover easier than I thought.You can be very confident by the way every step was handled (very professional).So kudos to the whole TEAM and thank youJoseph GlassmanJoseph Glassman ★★★★★ I had a very good experience with Certified Gold Exchange and I highly recommend anyone considering a IRA Rollover into precious metals, talk to David White at Certified and do business with them. They are honest and will have your best interest as their concern.. David took care of my needs completely with honest and fair pricing. I shopped around and decided on Certified.Lefty and Mary JamoraLefty and Mary Jamora ★★★★★ Thank you David and Pat for educating us on the gold and silver markets. Pat especially helped us thru our first purchase of silver.M PhommahaxayM Phommahaxay ★★★★★ So glad I found CGE! Although, they don’t do business in my state, David White was so kind to take the time out of his busy schedule to educate me on precious metal investing. His advice was extremely valuable which saved me a ton of money. I would definitely recommend and refer any of my friends or family members interested in investing in precious metals in their service area. So thankful for David and this company!Rickey JohnsonRickey Johnson ★★★★★ My experience so far with Certified Gold Exchange was all very positive. Everything went smoothly and P. Collins was awesome in helping us navigate through the process.Aaron BrabhamAaron Brabham ★★★★★ I called Certified Gold Exchange to get information on a crypto currency IRA. I had a ton of questions and Steve not only answered all of them but also informed me of many things I had not thought of.I decided to invest $60k and in just three months it's over $120k! Not only that, the team at Certified Gold Exchange has excellent customer service.I highly recommend them.Mark OLearyMark OLeary ★★★★★ Philip with the certified gold exchange was incredibly helpful in helping me to setup a Cryptocurrency IRA. He knew exactly what questions to ask my existing custodian to make the rollover as seamless as possible. In just a short few months with the recommendations of Philip; I have already seen over a 250% return on my investment. Highly recommended.Gal TabGal Tab ★★★★★ The reason I give it the maximum stars is because everything happened just the way they planned it. I invested a considerable sum of money with them and as anyone would be, I was a little scared. I did my research and They came highly recommended as being ethical brokers. Their fees are very competitive and look forward to doing more business with them.Diana FincherDiana Fincher ★★★★★ I rolled over my IRA into Silver a couple of years ago and made a friend! Agent Pat C, Certified Gold Exchange, Inc., has far exceeded my expectations with continuing, careful watch over my investment. He always surprises with immediate personal response to my slightest question and inspires confidence to hold to The Plan. Pat’s personal touch and excellent recall is reassuring and has proven that he will keep me informed when any changes are advised. Ask for Pat - he’s excellent, excellent!Steve AstinSteve Astin ★★★★★ This was the 3rd company I called and by far the most professional. Thanks Patrick for the great service!Alicia O'RearAlicia O'Rear ★★★★☆ Thank you for donating 16 bibles for our foster children at Albuquerque Christian Children's Home! This is a wonderful company with a heart for ministry.Kyle SandersKyle Sanders ★★★★★ I was interested in doing a gold IRA rollover and contacted several firms after researching on the web. Certified Gold Exchange's website had the most useful information by far compared to other firms. Their representatives have been a pleasure to work with--professional, answered every question I had, and I'd recommend them to anyone looking at a gold IRA rollover.Robby BryantRobby Bryant ★★★★★ I am a Certified Financial Planner, and Certified Gold Exchange has helped us purchase gold for 16 years without a hitch for our clients and at excellent prices. We couldn’t be more satisfied!Anne SayreAnne Sayre ★★★★★ My husband and I were thrilled with the service we received at Certified Gold Exchange! Shipping our gold to us was quick and very simple. So happy we did not have to pay for the TV advertisements with celebrities like so many of the other precious metal companies. We will be buying again from CGE!Neenah PayneNeenah Payne ★★★★★ Certified Gold Exchange, Inc. is a highly professional firm that was a pleasure to do business with. It provides fast and accurate service. The firm went out of its way to be helpful on a number of key issues. I highly recommend them. I was extremely lucky for several reasons to have called the Certified Gold Exchange, Inc. when I was ready to sell my gold and silver coins. When I called the firm, Liam on the service desk explained that they scan hundreds of gold dealers to get me the best price. That was very comforting.When I spoke with coin dealer David White, he was able to give me a quote in 3.5 hours. He also explained the importance of shipping my coins via registered mail with the Post Office. David said that the Post Office requires a registered box to be sealed with brown paper tape to prevent tampering. David emailed me links to sites that showed the right tape to use and how to seal the box. He called several UPS stores in my neighborhood to try to find the tape for me. In the end, I bought the tape from the Post Office. David explained that while Fedex and UPS would ship the coins, since they are not allowed to ship gold or silver, I would have no recourse if my coins were lost. David even gave me his home number so I could reach him after hours if necessary.My experience with Certified Gold Exchange, Inc. stands in stark contrast with how two other coin brokers responded. The firm from which I had bought most of my silver coins never called me back. On November 13 when I called the broker from whom I had bought most of my gold coins, I couldn't get through on the phone. So, I emailed them and it took 5 days for them to respond! The broker didn't give me a quote until December 2 -- and then only for some of the coins! He said he would tell me what they would pay for the other coins after I shipped them!In addition, that broker explained that one of their customers had lost all their coins valued at $22,000 because the box was tampered with and they had failed to insure them for the full amount. However, I knew by then that if the firm had told the customer to ship the coins via registered mail as Certified Gold Exchange, Inc. does, the box could not have been tampered with.So, Certified Gold Exchange, Inc. is the only gold and silver dealer I recommend. The level of service is truly remarkable.Jovita GarcesJovita Garces ★★★★★ What do you do with what little you have to put away for the future? After my divorce 16 years ago, I decided I needed to find an IRA and invest my children's money into something that would retain and grow in value through the years. I found a great website called Certified Gold Exchange that intrigued me and when I called, John listened and understood my needs and helped me understand the value of investing in rare coins and precious metals before taking that all important step. I am happy I took a leap of faith knowing the prospect for growth in my precious metals IRA and children's funds for college and maybe first home some day was very real. I believe I made the best choice for our future. I can always trust CGE to give me honest and dependable service everytime I call in them.Maria SMaria S ★★★★★ Patrick Collins and Certified Gold Exchange (CGE) Team: I appreciate the support, you took me on for this transaction when I wasn’t even an existing client. (Yes I know CGE made some money). It was you manner, caring and fast response that made me feel very comfortable with you.Your interest in helping me on such short notice shows how much you care for your clients. I hope 🤞 to have you as one of my financial team in the future.js_loader
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