Precious Metals IRA Rollover

Precious Metal IRA Rollovers involve transferring retirement funds invested in a precious metals IRA, such as gold, silver, platinum, and palladium. It allows for portfolio diversification and benefits from the stability of valuable metals while potentially increasing your ROI. Before initiating a rollover, it’s crucial to understand the rules, guidelines, and tax implications. You can gradually transfer funds from existing IRAs or retirement accounts to your Gold IRA at your convenience.

Best Precious Metals IRA at a Glance at a Glance

  1. Augusta Precious Metals: Editor’s Choice – Great Gold IRA Company Overall (4.9/5)
  2. Red Rock Secured: Runner up – Best at Home Gold IRA (4.8/5)
  3. Goldco: Great Buyback Program (4.6/5)
  4. American Hartford Gold: Best Price for Bullion (4.5/5)
  5. Birch Gold Corporation: Great Staff Overall (4.2/5)

#1 Augusta Precious Metals: Editor’s Choice – Great Gold IRA Company Overall (4.9/5)

Augusta Precious Metals is an industry leader and provider of physical gold and silver IRAs in retirement portfolios. Founded in Casper, Wyoming, Augusta has advocated adding physical gold and silver to retirement portfolios. Joe Montana directed his financial team to locate the most reputable gold company in the United States, and they discovered Augusta Precious Metals.

Augusta offers several depositories to store your precious metals and cash purchases for those who prefer not to open an IRA account. They have been recognized by PCGS (Professional Coin Grading Service) for their quality products and services.

The reviews of Augusta Precious Metals are overwhelmingly positive. Customers appreciate their helpful customer service staff, competitive pricing, and fast shipping times.

Pros & Cons


  • Commitment to Education: Augusta Precious Metals has various educational tools on its website to help people invest in precious metals.
  • Excellent Customer Service: Each client is allocated a personal account executive who will work with them throughout the process, from account opening to purchasing and securing storage of precious metals.
  • Excellent Customer Service: Augusta Precious Metals offers an extensive selection of products, including gold, silver, and platinum coins and bars, that meet strict purity standards.
  • Quality Products: Customers can easily comprehend what they are paying for because the company’s fees are reasonable and transparent.
  • Secure Storage: Augusta Precious Metals employs highly secure storage facilities to safeguard the precious metals of its clients.


  • Limited IRA Options: Augusta Precious Metals specializes in gold IRAs; therefore, customers interested in investing in other types of assets may need to seek elsewhere.
  • Minimum Investment Amount: The minimum investment quantity required by the company is $50,000, which may be prohibitive for some investors.
  • Limited Availability: Augusta Precious Metals is available in some states; consequently, some clients may need help to utilize their services.

#2 Red Rock Secured: Runner up – Best at Home Gold IRA (4.8/5)

Red Rock Secured is a privately owned company founded in Southern California that protects retirement savings through beneficial portfolio diversification in precious metals and gold. The company offers online services to residents nationwide, allowing customers to protect their retirement savings by investing in gold and silver.

Red Rock Secured has earned positive reviews from customers, who praise the company representatives for their willingness to answer questions. Clients can also find valuable data on the company’s website, YouTube channel, Facebook page, and LinkedIn profile.

The Better Business Bureau® has given Red Rock Secured an A+ rating for its customer service and satisfaction commitment. Additionally, Crunchbase has recognized Red Rock Secured as a top broker for investors looking to protect their retirement savings with gold and silver investments.

Pros & Cons


  • Positive Reviews: Red Rock Secured has A+ ratings on BBB, Google Reviews, Consumer Affairs, and Trustpilot. 
  • 100% Free Shipping and Insurance Policy: Red Rock Secured offers 100% free shipping and insurance for discreet, secure delivery, giving clients the confidence to invest. 
  • No Custodial Fees: When opening and funding an account with a trusted custodian, there are no custodial costs, and 90% of clients qualify for Red Rock Secured’s administration and storage fees coverage for at least one to ten years and many for life. 
  • Price Protection: Red Rock Secured also covers the difference in extra precious metals on qualifying accounts if gold or silver prices drop within seven days of purchase. Red Rock Secured will pay non-CUSIP clients $10,000 in additional precious metals if the market declines 10% the day after they buy $100,000. 
  • No Management Fees: Red Rock Secured also doesn’t charge for IRA account administration. Finally, Red Rock Secured offers a transferrable buyback scheme for future selling, assuring clients.


  • High Minimum Investment: Red Rock Secured’s $10,000 minimum commitment may deter confident investors.
  • Limited Availability: Some states don’t offer the company’s services.
  • Limited IRA Options: Red Rock Secured specializes in gold IRAs, so investors seeking other assets may need to search elsewhere.
  • No Live Chat Support: The company delivers good customer service, but some clients prefer live chat.

#3 Goldco: Great Buyback Program (4.6/5)

Goldco is widely recognized as a top-tier precious metal in the United States. Founded in 2006, Goldco specializes in gold, silver, and other precious metals to help protect your retirement savings. With an outstanding score from the Better Business Bureau and Triple-A rating from Business Consumer Alliance, Goldco provides a variety of ways for customers to invest in gold and silver.

Goldco offers nearly exclusively IRA-approved gold and silver coins and works with clients with existing or new precious metals IRA accounts. Customers can also read reviews on Trustpilot to understand better how Goldco operates.

Pros & Cons


  • Liquidity: Goldco provides an excellent repurchase program that enables customers to sell their precious metals anytime. It provides flexibility for those who may need to liquidate assets rapidly.
  • Price Transparency: Customers can trust they receive a fair bargain because their prices are transparent and competitive.
  • Extensive Investment Option: Goldco has a team of knowledgeable specialists who can assist clients in selecting the most suitable investment options. They provide extensive investment options, including gold and silver coins, ingots, and bullion.
  • Educational Resources: Goldco provides educational resources on its website to assist clients in making informed investment decisions.
  • Positive Reviews: The Better Business Bureau has given the company an A+ grade for over ten years.


  • Higher Fees: Goldco’s fees are higher than some of its rivals, which may not be optimal for those seeking the lowest possible prices.
  • Delay Order: Some customers have reported delays in obtaining their orders, which may be inconvenient for those who desire their investments to arrive promptly.

#4 American Hartford Gold: Best Price for Bullion (4.5/5)

American Hartford Gold is widely regarded as a precious metals industry. Founded in Los Angeles, California, American Hartford Gold is a family-run business that helps customers invest in gold coins and other precious metals. Several satisfied clients and an A+ grade from the Better Business Bureau attest to our excellent reputation. American Hartford Gold has established itself as a reliable source for investing in gold and silver IRAs.

Individuals can expect extensive services from the company to its customers, including IRA setup assistance, portfolio diversification advice, and access to some of the best prices on gold coins and other precious metals. In addition to its physical store locations, American Hartford Gold provides an online platform for customers to purchase gold and silver securely.

American Hartford Gold is dedicated to delivering exceptional customer service and has earned numerous positive reviews from its clients over the years. The company also offers competitive pricing on its goods and services, which makes it a desirable choice for investing in precious metals.

Pros & Cons


  • Lowest Price: American Hartford Gold offers the lowest prices for bullion on the market compared to other gold dealers.
  • Exceptional Customer Service and Support: The company’s exceptional customer service and support ensure customer satisfaction throughout the investment process.
  • Diversified Investment Option: They offer different kinds of investments, like gold, silver, platinum, and palladium, which gives buyers more ways to diversify their portfolios.
  • Educational Resources: American Hartford Gold provides educational resources, such as articles, videos, and expert analysis, to help investors make informed decisions.


  • Minimum Investment: The minimum investment required to participate in American Hartford Gold is high, which may deter some investors.
  • Higher Fees: American Hartford Gold’s fees may be greater than those of other gold dealers on the market.
  • Few Online Evaluations: American Hartford Gold has few online evaluations, making it difficult for potential investors to evaluate the company’s reputation and track record.

#5 Birch Gold Corporation: Great Staff Overall (4.2/5)

Birch Gold Corporation is a leading precious metals dealer in the United States. They specialize in gold and silver, offering a wide selection of coins, bars, and rounds. With its knowledgeable customer relations staff, Birch Gold Group makes investing intelligently in gold and silver easy.

Birch Gold Group has been around since 2006 and has earned top ratings from customers nationwide. People praise them for their excellent customer service and competitive pricing on precious metals investments. They have an extensive website with resources such as prices and charts for gold, silver, platinum, and palladium. You can also reach them immediately at their Burbank office or via phone or email.

Birch Gold Group makes the process simple for individuals seeking to establish a precious metals IRA account. Their specialists will guide you through the necessary paperwork and help you transfer your funds to a custodian specializing in these accounts.

Pros & Cons


  • Knowledgeable Staff: Birch Gold Corporation’s staff is renowned for being knowledgeable, professional, and committed to assisting clients in achieving their investment objectives.
  • Diversified Investment Option: The company offers investors a variety of diversified investment options, such as gold, silver, platinum, and palladium, allowing them to diversify their portfolios.
  • Educational Resources: Birch Gold Corporation provides educational resources, such as articles, videos, and expert analysis, to help investors make informed investment decisions.
  • Superior Customer Service and Support: They provide superior customer service and support throughout the investment process, ensuring client satisfaction.


  • Minimum Investment: The minimum investment required by Birch Gold Corporation is more significant than that of other gold dealers, which may deter some investors.
  • Higher Expenses: Birch Gold Corporation’s expenses may be higher than those of other gold dealers on the market.
  • Sales Tactics: Some clients have complained about the sales tactics of certain representatives of Birch Gold Corporation.
  • Restrictive Repurchase: The company’s repurchase policy is more restrictive than other gold dealers, which may restrict investors’ ability to sell their holdings.

History Of Precious Metal IRAs

Traditional and Roth IRAs permit only cash, bonds, and stocks as holdings. However, the Taxpayer Relief Act of 1997 broadened the scope of investments in individual retirement accounts to encompass precious metals. These “self-directed” or “alternative-asset” IRAs usually restrict their holdings to gold, silver, platinum, and palladium.

With gold and silver consistently outperforming the stock market and increasing in value, more people are exploring the option of diversifying their retirement portfolios with precious metals through a gold 401(k) rollover.

Precious Metal Rollovers: Safe?

Transferring some of your retirement funds from another IRA or 401(k) to a precious metals IRA is safe. However, it would help to remain vigilant against scams targeting investors interested in these transactions.

Since the investor manages self-directed IRAs, scammers may find it easier to establish a market presence. The Securities and Exchange Commission cautions against precious metals IRA custodians who employ bait-and-switch tactics, promising unrealistic returns. To avoid such scams, always use an IRS-approved owner, such as a financial institution or a bank, when opening a self-directed IRA.

Scams Regarding Precious Metal IRA Rollovers

Chris Thomas’ Gold IRA Investor’s Guide reveals five scams that investors often fall prey to when setting up a precious metals IRA rollover.

  1. Promote Bullion, Upsell Numismatics: Scammers may try to sell numismatic coins, which are collectors’ coins valued based on their rarity and mint rather than the actual precious metal content. These coins are not eligible for inclusion in a precious metals IRA. Instead, investors should focus on purchasing precious metal bullion like American Eagle Silver and Gold coins. JM Bullion’s list of IRA-approved metals can serve as a helpful guide.
  2. Higher Prices for Graded or Certified Coins: Some fraudsters might attempt to sell graded or certified American Eagle coins at inflated prices, convincing investors that these coins are superior to ungraded ones. This claim is false.
  3. Converting Your Entire Retirement Fund to Precious Metals: A reliable investment professional typically advises allocating between 5% and 25% of your retirement fund to precious metals, depending on your risk tolerance. Precious metals can provide an inflation hedge and diversification but can also be risky investments. If someone recommends converting your entire retirement fund to precious metals, seeking advice elsewhere is best.
  4. Opening a Leveraged Account: Avoid opening a leveraged account if a bullion sales assistant suggests it. In a leveraged precious metals IRA, the salesperson loans you money to buy additional precious metals for your IRA. This arrangement requires you to pay interest and commission on the extra amount and repay the loan.
  5. Excessive Commissions and Costs: Financial advisors usually charge a commission to guide your precious metals rollover. It’s wise to consult multiple brokers to determine a fair fee for your needs. Reputable brokers should be able to find IRS-approved metals at a reasonable cost. If the fee seems excessive, consider looking elsewhere.

How to Rollover a Precious Metal IRA Safely

Start by opening a self-directed IRA with an IRS-approved custodian, like a bank or other financial institution, to ensure a secure precious metal IRA rollover. Then, look for a broker to assist you in finding precious metal bullion.

To invest safely and wisely:

  1. Choose a broker with impeccable credentials and an outstanding reputation.
  2. Ask your custodian for referrals and research the broker’s reviews and standing with organizations such as the Better Business Bureau.
  3. Ensure the brokerage understands the IRS purity standards for precious metal IRAs and can locate bullion that meets those criteria.

Once you acquire the metals, the company can fund your IRA and store your assets securely.

Frequently Ask Questions

What is a Precious Metals IRA Rollover?

Transferring assets from an existing retirement account, such as a 401(k) or traditional IRA, into a self-directed IRA that allows investment in physical gold, silver, platinum, palladium, and other precious and rare metals is referred to as a Precious Metals IRA Rollover.

Why should I consider a Precious Metals IRA Rollover?

Investing in precious metals can protect you from inflation, currency depreciation, and economic insecurity. With a Precious Metals IRA Rollover, you can diversify your retirement portfolio by adding tangible assets with stable worth.

What Types of Retirement Accounts Are Eligible for a Rollover?

Assets from various types of retirement accounts, including but not limited to:

  • IRA (Traditional IRA)
  • Roth IRA (Roth IRA)
  • 401(k)
  • 403(b)
  • TSP stands for “Thrift Savings Plan.”
  • 457(b)

Are There Any Tax Implications When Performing a Rollover?

A Precious Metals IRA Rollover is tax and penalty-free if done correctly. Follow IRS guidelines and consult a tax professional to ensure a smooth transition.

What Kind of Precious Metals Can I Invest in With a Self-Directed IRA?

You can invest in IRS-approved gold, silver, platinum, and palladium coins and bars. Examples include:

  • American Gold Eagle coins.
  • Canadian Gold Maple Leaf coins.
  • Various bars from authorized mints and refiners.

Final Thought – Precious Metals IRA Rollover

A Precious Metals IRA Rollover offers an excellent opportunity to diversify your retirement savings and safeguard your wealth from market fluctuations. This investment strategy allows you to allocate funds in gold, silver, platinum, and palladium by transferring money from an existing 401(k) or another eligible account. It’s crucial to remember that only one 60-day rollover is permitted within a 12-month timeframe. Furthermore, choosing a trustworthy custodian for the rollover process is essential.

Augusta Precious Metals is widely regarded as the industry leader among gold IRA provider companies: Red Rock Secured, Goldco, and Birch Gold Corporation. These companies can help you navigate the Precious Metals IRA Rollover process and ensure a smooth transition for your retirement assets.

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