Build retirement wealth that outpaces inflation.

A gold IRA lets you hold physical precious metals inside a tax-advantaged retirement account, so any growth compounds tax-deferred (traditional) or tax-free (Roth). Used as a modest slice of a diversified plan, gold can help protect purchasing power against inflation while the rest of your portfolio pursues growth. It is one tool in a broader plan, not a stand-alone strategy.

There is no one-size-fits-all answer, and we don't give personalized advice. Many savers who choose to add gold keep it to a smaller portion of their portfolio so the bulk stays in growth assets like stocks and bonds. The right amount depends on your age, timeline, goals, and risk tolerance — consider speaking with a licensed financial professional.

Yes, when it's done correctly. A direct rollover or trustee-to-trustee transfer of eligible 401(k) or IRA funds into a self-directed gold IRA is generally not a taxable event and avoids early-withdrawal penalties. Problems usually come from indirect rollovers that miss the 60-day window. A reputable custodian will handle the paperwork to keep it penalty-free.

Historically, gold has tended to hold or grow its real value during periods of high inflation and currency debasement, because its supply can't be expanded at will like fiat currency. That said, gold can be volatile over shorter periods and pays no dividends or interest. Past performance does not guarantee future results.

The IRS permits certain gold, silver, platinum, and palladium products that meet minimum purity standards (for example, 99.5% for gold) and come from approved mints or refiners — such as American Gold Eagles and many bullion bars. Collectible or graded 'numismatic' coins are generally not eligible. Your custodian and dealer confirm eligibility before purchase.

IRA metals must be held by an IRS-approved depository — not at home — in your account's name. Established depositories such as Delaware Depository, Brinks, and Loomis provide insured, segregated, or commingled storage. You own the metal; the depository safeguards it.