Please note that the gold IRA companies listed here pay us a small fee if any purchase is made. This allows us to provide our free service to you, and does not affect the price you pay.

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Finding the best gold IRA most suited to your needs shouldn't be stressful.

Nor should hedging your retirement savings’ downside with gold and silver against looming geopolitical tensions, election year volatility, and other uncertainties…

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Best Gold IRA Companies Champion

Goldco Logo
5 5 StarsGoldco 2024 Kit
Overall winner for exceptional white glove service & top buyback program.
  • Endorsed by Sean Hannity.
  • Get up to $10,000 in free silver on qualifying purchases.
  • A+ BBB rating and AAA rating at BCA.
  • INC 5000 Financial Category Winner.
  • Printed Guide, Audio Guide & Video Guide shipped free to your door.
  • Strong focus on customer education.
  • Goldco's comprehensive Gold IRA kit wins the 2024 Best Gold IRA Guide Top Choice award.

Best Gold IRA Score 96.29

Lear Capital Logo
4.9 5 StarsLear Capital Precious Metals Investing Guide 2024
Top choice for length of business established in 1997, top trust scores.
  • Endorsed by Glenn Beck.
  • Get up to $15,000 in bonus coins on new orders.
  • $3 billion in precious metals delivered since 1997.
  • 5-star Trustpilot rating, AAA Business Consumer Alliance rating.
  • Enjoy the precious metals industry’s best research.

Best Gold IRA Score 95.43

Augusta Precious Metals Logo
4.8 5 Stars Gold Investing Guides - Augusta Precious Metals Gold and Silver IRA Guide 2024
Top choice for ethics & customer experience, excellent buyback program
  • Endorsed by Joe Montana.
  • Free gold when you open a qualifying Gold IRA.
  • 100% Satisfaction Guarantee.
  • Zero Gold IRA fees - up to 10 years.
  • Highest buyback guarantee.
  • Educates about lies & gimmicks.
  • Small team of dedicated pros.

Best Gold IRA Score 95.29

American Hartford Gold Logo
4.7 4%C2%BD StarsAmerican Hartford Gold Gold and Silver IRA Information Guide 2024
Top choice for affordability and service, excellent trust scores, & ease of entry
  • Endorsed by Bill O'Reilly.
  • Get up to $10,000 in free silver on qualifying purchases.
  • $2 billion in precious metals delivered since 2015.
  • BBB A+ rating, 5-star Trustpilot rating, Hundreds of 5-star reviews.
  • Ideal for an entry-level budget or individuals just getting started with the metals.

Best Gold IRA Score 95

Birch Gold Group Logo
4.6 4½ StarsBirch Gold Group Gold Information Kit 2024
Birch takes care of you - great service without the headaches
  • Endorsed by Ron Paul.
  • Get up to $10,000 in free precious metals on qualifying purchases.
  • Fast and efficient service with low minimums.
  • Strongly focussed on education with hard-hitting news and analysis from some of the industry's leading names.
  • 401k rollover experts.

Best Gold IRA Score 94.9

International Gold Dealer Choice for Offshore Privacy and Security

SWP Cayman Logo
5 Stars Buy and Store Gold and Silver Offshore SWP Cayman
Top choice for private offshore gold storage, trusted by wealth managers
  • No minimum deposits.
  • Highly liquid two-way markets.
  • Offshore storage for gold IRAs.
  • 100% allocated & segregated.
  • Six trusted offshore jurisdictions.
  • Dedicated account specialists.
  • Visitations allowed.

Our gold IRA companies reviews should be just the starting point for you, as you can and should talk to each firm you're considering. All top-ranked companies provide educational packages to get you up to speed. They also offer complimentary consultations so you can discuss details and have your questions answered. Please note that reputable firms in this space always provide these services free of charge. If a firm does not offer these free services, it may suggest that the firm lacks establishment or a focus on customer service.

Anytime you’re dealing with money, it's critical to do your research to pick the best possible firm to do business with.

Selecting a precious metals dealer can prove challenging, as most major brokerage firms do not offer this service. Consequently, when evaluating our top gold IRA companies for 2024, we factored in these specific criteria…

  • Established track record: Now is not the time to take risks with new businesses or persuasive salespeople. Instead, seek out firms with a proven history, a substantial base of satisfied customers, and minimal customer complaints. Be sure to check the Better Business Bureau and other independent consumer protection websites for additional insights.
  • Transparency: Clarity and upfront disclosure of costs are paramount. If a firm hesitates or fails to provide clear, prompt answers to your fee inquiries, consider it a potential warning sign. Transparency indicates a well-established business unafraid of competition, ensuring that unexpected fees do not catch you off guard.
  • Emphasis on education: Precious metals sales require specialized expertise. Therefore, companies offering this service should prioritize education over meeting sales quotas. If you sense a pushy sales approach, it may signal that the firm's core business health is not optimal. Indeed, the top gold IRA companies always prioritize customer education.
  • Proactive customer service: When establishing your Gold IRA, you need a firm that can guide you through the process to ensure accuracy. Look for a company known for delivering exceptional customer service. Otherwise, you may question the validity of your investment. Moreover, you do not want to discover, two decades later, that the expected tax benefits are not forthcoming.

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Gold IRA Frequently Asked Questions

What is an IRA?

IRA stands for Individual Retirement Account, and one can also refer to it as an Individual Retirement Arrangement.

Indeed, these accounts permit you to make tax-deductible contributions that grow on a tax-deferred basis. You can contribute up to a specific amount per year, which is $7,000 for 2024. Furthermore, once you are 50 years old, you can contribute an additional $1,000 catch-up contribution every year.

How is a Gold IRA different?

A Gold IRA is simply an IRA that you fund with physical gold.

The IRS allows these; however, they set precise rules for contributing gold or other precious metals to an IRA.

What Precious Metals does the IRA Approve?

Without a doubt, as noted above, Gold IRAs have precise rules on contributing gold or other precious metals to an IRA.

Undeniably, you can’t just buy any physical gold. Instead, you can only invest in gold products that appear on the IRA-approved list. These include only bullion bars and coins. Generally, the rules do not allow collectible or numismatic coins.

Additionally, COMEX/NYMEX accreditation is a requirement for these approved options. In addition, specific purity standards apply. Experienced gold IRA companies, like the five on this list, can help you find suitable products.

IRA Approved Bullion Coins and Rounds

IRA Approved Bullion Coins and Rounds IconUnquestionably, IRA approved coins and rounds must meet minimum fineness requirements and be manufactured by a NYMEX or COMEX-approved refiner/assayer or a national government mint and should be ISO9001 Certified.

Gold – official list
American Buffalo Gold Coins
American Eagle Gold Coins
Australian Kangaroo Gold Coins
Australian Nugget Gold Coins
Austrian Philharmonic Gold Coins
Canadian Maple Leaf Gold Coins

Other examples of acceptable gold coins/rounds include:
Chinese Gold Panda Coins
Engelhard Prospector Gold Rounds
Incuse Indian Gold Rounds
Perth Mint Lunar Gold Coins

Silver – official list

American Eagle Silver Coins
Australian Kookaburra Silver Coins
Austrian Silver Vienna Philharmonic Coins
Canadian Silver Maple Leaf Coins

Other examples of acceptable silver coins/rounds include:
Australian Kookaburra Silver coins
Canadian Arctic Fox Silver Coins
Incuse Indian Silver Rounds
OPM Silver Bullion Rounds
Silver Britannia Coins (UK *after 2013*)
Sunshine Mint Silver Rounds

Platinum – official list
American Platinum Eagle Coins
Australian Koala Platinum Coins
Canadian Maple Leaf Platinum Coins

Other examples of acceptable platinum coins/rounds include:
Platinum Australian Platypus Coins
Platinum Britannia Coins

Palladium – official list
Canadian Maple Leaf Palladium coins

IRA Approved Bullion Bars

IRA Approved Bullion Bars IconIRA approved bullion bars must meet minimum fineness requirements and be manufactured by a NYMEX or COMEX-approved refiner/assayer and should be ISO9001 Certified.

Gold bars .995+ fine that are accredited by COMEX/NYMEX / ISO9001 Certified

Examples of qualifying gold bars are:
Perth Mint .9999 fine bars
Credit Suisse .9999 fine bars
PAMP Suisse .9999 fine bars
Royal Canadian Mint .9999 fine bars
Ohio Precious Metals .9999 fine bars

Silver bars .999+ fine that are accredited by COMEX/NYMEX / ISO9001 Certified
Examples of qualifying silver bars are:
Royal Canadian Mint .9999 fine bars
Sunshine Mint .999+ fine bars
Ohio Precious Metals .999+ fine bars
Engelhard Hand Poured .999+ fine bars
Golden State Mint ISO9001 .999+ fine bars

Platinum bars .9995+ fine that are accredited by COMEX/NYMEX / ISO9001 Certified
Examples of qualifying platinum bars are:
Credit Suisse .9995 fine bars
Scotiabank .9995+ fine bars
Johnson Matthey .9995 fine bars

Palladium bars that are .9995+ fine that are accredited by COMEX/NYMEX / ISO9001 Certified
Examples of qualifying platinum bars are:
Pamp Suisse .9995+ fine bars
Credit Suisse .9995+ fine bars
Baird & Co. .9995+ fine bars

Why hold gold in an IRA?

Investing in physical gold provides a time-honored approach to invest in gold itself.

But there's one downside: taxation rates can be higher for the metal than for buying gold-related stocks or exchange-traded funds. The IRS considers any form of physical gold a collectible, subject to a higher 28% capital gains rate.

An IRA provides significant tax benefits by allowing your investments to grow on a tax-deferred basis. According to this Journal of Accountancy article, holding physical gold in an IRA can increase your after-tax returns in most cases.

Can owning gold protect my retirement money from bank failures?

Historically at times, gold has offset losses during times of economic stress/volatility.

Today many, including retirement super savers, are seeking wealth protection against bank failures, which have arisen. Some of these bank failures were caused by the Federal Reserve ramping up interest rates extraordinarily fast. That made some of the banks' reserves, often held in Treasury debt, drop in price. Moreover, those losses, combined with a rush to the exits by bank depositors, caused some of these banks to fold.

Regardless of these isolated incidents, there are deeper issues in our banking system that should concern any depositor. For one, banks used to have higher reserve requirements, meaning they needed to keep a certain amount of depositor money liquid. Today, they can lend out or invest as much as they want with no limit.

Not much is mentioned about this in the mainstream press, but as of March 2020, the Federal Reserve dropped the reserve requirement on all depository institutions to zero. As a result, it made holding reserves completely voluntary.

Scary Implications

Consequently, that has some scary implications if you have considerable money in the banking system. Yes, the FDIC protects you up to $250,000 in most instances. Still, that agency does not necessarily have the means to cover a significant amount of losses if that were to occur. According to CNN, U.S. banks are sitting on billions of dollars of unrealized losses.

While the government may step in and print more money, that leads to further implications down the road. And as a depositor, you depend upon counterparties to be willing and able to return your money when you want it (or backstop the bank if the money is not there when you need it). Bottom line, your capital is at risk anytime there is a counterparty.

Furthermore, with gold and other precious metals, there is no counterparty. As hard assets, you can hold these investments in your hand. They are real, instead of just being an accounting entry that may or may not be honored.

Therefore, physical gold and other precious metals are really the only assets out there with no counterparty risk. And they are honored and can be traded in any country.

What is a Gold IRA rollover?

Many times, investors will not start a new IRA from scratch.

Instead, they will convert an existing retirement account, like a 401(k), into a Gold IRA. Moving a retirement account from a 401(k) or an old IRA to a new IRA is called a “Rollover.”

You are typically eligible to roll over a 401(k) after you leave the company or if it discontinues its 401(k) plan. Other account types, such as directed IRAs, can usually be rolled over into a self-directed Gold IRA at any time.

Rollovers are very common but you must handle them very carefully. When considering a rollover, always work closely with an experienced precious metals dealer with expertise in Gold IRAs. That way, they can help guide the process to ensure that you receive the tax benefits you expect and avoid penalties.

Can I convert one of my other retirement accounts into a Gold IRA?

Yes, you can convert many retirement account types into a Gold IRA using the rollover process. Here's a list of the most common plans…

  1. 401(k) (Employer-Sponsored Retirement Plan)
  2. 403(b) (Tax-Sheltered Annuity Plan)
  3. 457(b) (Deferred Compensation Plan)
  4. Keogh (HR-10 Plan)
  5. Roth IRA (Roth Individual Retirement Account)
  1. SEP IRA (Simplified Employee Pension IRA)
  2. SIMPLE IRA (Savings Incentive Match Plan for Employees IRA)
  3. Self-Directed IRA (Self-Directed Individual Retirement Account)
  4. Traditional IRA (Traditional Individual Retirement Account)
  5. TSP (Thrift Savings Plan)

Do note, however, that some employer plans, or plans not shown here, may not be eligible.

Without a doubt, definitely talk to a professional at any Gold IRA company on our list for more details on your situation.

How complex is the rollover process to convert an account to a Gold IRA?

As long as you deal with a reputable precious metal dealer, the process is not complicated.

A professional from any company on our gold ira companies reviews list can help guide you through the process so everything is handled correctly.

The process does take time, usually from one to three weeks.

Can I set up a Roth Gold IRA?

Yes, most Gold IRA companies will let you setup either a traditional or Roth IRA to invest in physical gold.

Can I contribute gold I currently own?

Unfortunately, you cannot as it is not permitted by the IRS.

The IRS rules only allow account contributions in cash unless you're transferring or rolling over another type of retirement account.

I already have an IRA. Can I start another one?

Yes. You may set up as many IRAs as you like, in theory.

However, the annual contribution amount doesn't change. You get one contribution limit per year, whether you put it into one account or split it into several.

And usually, managing multiple accounts is more costly and takes more time, so less is usually more.

Where is the gold in my Gold IRA stored?

When you open a Gold IRA account, you will appoint a custodian or trustee.

Moreover, these firms are in the business of protecting assets. They will hold your gold investment in a secure place, usually a depository.

Most importantly, these facilities are designed for this purpose and use state-of-the-art technology and security to protect your assets.

Who provides the best IRA gold depository services?

Please inquire directly with the Gold IRA companies you've chosen to learn more about, as each company's depository options vary.

Can I store the gold in my Gold IRA in my own home?

Some gold IRA companies have been marketing home storage options for Gold IRAs, often referred to as “Checkbook IRAs.”

However, we don't believe this is a wise move at this time. The IRS is very clear in its IRS Publication 590-A that a trustee or custodian is required for all types of IRAs.

These home storage firms attempt to work around this requirement. However, we believe this strategy is unproven. Until the IRS formally rules on this subject, substantial risk would be associated with this strategy.

What are the fees associated with a Gold IRA?

Gold IRAs are a specialized product, so the fees associated with these accounts will vary. Usually, you can expect to pay a one-time setup fee, then annual account maintenance and storage fees.

Furthermore, check around so that you can find fair prices, and please see our additional company pages for detail about current fees. But be careful… if these fees are deeply discounted, the dealer will probably make it up in other ways, which could be a higher premium on the gold itself.

In brief, in our experience, it's best to look for quality gold IRA companies that are transparent about their pricing.

Can I add silver or other metals to a Gold IRA?

Yes, you can.

IRS rules allow you to add any combination of gold, silver, platinum or palladium in the form of approved bars and coins.

Can I pull money out of my Gold IRA as a loan or emergency withdrawal?

One drawback of the Gold IRA is that it is not as flexible as many employers’ retirement plans.

So, you may not take a formal loan from the Gold IRA. However, if you are under 59 ½, you can take what is essentially a short-term loan from the IRA in case of genuine hardship.

However, you need to pay it back within 60 days to avoid a steep penalty.

What are the potential risks of a Gold IRA?

Your retirement accounts, including your Gold IRA, generally safeguard you against most creditors, providing a layer of security for your investments. This includes protection from creditors in most situations.

Firstly, the primary concern lies in dealing with precious metal dealers, custodians, or storage facilities. This is why it's crucial to choose among the industry's top 5 firms, known for their reliability and excellence.

Secondly, these leading firms, with their stellar reputations and high ratings, ensure customer satisfaction through their trusted custodian and storage partnerships.

Thirdly, it's risky to entrust your retirement savings to lesser-known gold IRA companies that may depend on untested storage and custodian services.

Lastly, be wary of firms with numerous customer complaints; this is a definite red flag indicating potential problems.

In conclusion, with numerous online tools available (including this site), you can steer clear of such risky situations.

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