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Precious Metals IRA
Hold Real Gold and Silver in Your Retirement Account
Tangible assets, tax-advantaged structure
A Precious Metals IRA combines the long-standing wealth-preservation properties of physical metals with the tax benefits of a retirement account. Your metals sit in an insured depository, allocated specifically to you, while your account grows tax-deferred or tax-free.
IRS-Approved Metals
Segregated Storage
Your specific bars and coins can be stored separately in your name at an IRS-approved, fully insured depository.
Tax-Advantaged Growth
Gains compound tax-deferred in a Traditional IRA or tax-free in a Roth IRA, just like any other retirement account.
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Benefits of holding a precious metals IRA with Retired.com
Insured Custody
All metals are stored at IRS-approved depositories with segregated allocation and full insurance coverage.¹
Low, Transparent Fees
Clear, predictable custody and storage fees. No hidden charges and no surprises.
Inflation Protection
Precious metals have historically preserved purchasing power during inflationary periods, providing a hedge inside your retirement portfolio.
Expert Support
Real precious-metals retirement specialists guide you through eligibility, allocation, and storage decisions.
Portfolio diversification
Precious metals can provide exposure to an asset class that behaves differently from stocks and bonds.
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How Retired.com's IRAs work for precious metals
1. Open Your IRA
Establish a self-directed Precious Metals IRA online. Choose Traditional, Roth, SEP, or rollover.
2. Fund the Account
Transfer, roll over, or contribute. Funding is tax-free when handled as a direct rollover.
3. Select Your Metals
Browse IRA-eligible bars and coins. We arrange storage at an approved depository.
Strategies
Your alternative assets retirement blueprint, for free
Curious about IRA-eligible products, contribution rules, or how a Precious Metals IRA fits alongside other retirement accounts? Our resource center walks you through it all.
Learn Before You Start with Retired.com’s Precious Metal IRA Content
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Frequently Asked Questions
What is a Precious Metals IRA?
A Precious Metals IRA is a self-directed individual retirement account that holds IRS-approved physical gold, silver, platinum, and palladium. It offers the same tax treatment as a traditional or Roth IRA.
Which metals are IRA-eligible?
The IRS requires specific purity levels: 99.5% for gold, 99.9% for silver, and 99.95% for platinum and palladium. American Eagles, Canadian Maple Leafs, and approved bars from recognized refiners typically qualify.
Can I store metals at home?
No. The IRS requires that IRA-held precious metals be stored at an approved depository. Storing them at home would be considered a distribution and trigger taxes and penalties.
What are the contribution limits?
Precious Metals IRA contributions follow standard IRS limits for the IRA type you choose, whether Traditional, Roth, or SEP. Rollovers from other retirement accounts are not subject to those annual contribution limits.
Can I take physical possession of my metals?
Yes, but only when you take a distribution. You can choose to receive your metals in-kind rather than as cash, subject to applicable taxes and penalties depending on your age and account type.
How do I sell metals from my IRA?
Retired.com offers buyback at competitive market rates. Proceeds stay inside your IRA, where they can be reinvested into other metals, traditional assets, or cash equivalents.
Are my metals insured?
Yes. All IRA-held metals are stored at IRS-approved depositories with full insurance coverage. Segregated and non-segregated allocation options available, so the specific items you purchased are held in your name.
¹Insurance may vary based on asset chosen and custody solution available.
*Based on assets under custody across all retired.com consumer brands as of 05/18/2026.
**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.
Reviews and media mentions listed on this page include those across all Retired.com consumer brands.
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