Precious Metals IRA

Diversifying a Portfolio with Gold, Silver, Platinum, or Palladium

Many individuals are funding a self-directed IRA with gold, silver, and platinum bullion bars and coins. Diversifying your investment portfolio with precious metals is a smart way to balance and improve the overall performance of your retirement portfolio. Paper denominated assets like those found in traditional and Roth IRAs and 401Ks can lose value when government fiscal and monetary policy are not sound. Adding a percentage of gold, silver or platinum in a new precious metal IRA can compensate for paper losses.

Regardless of which legal framework you prefer to use (as shown in the section below, the process of getting physical precious metals into your 401k or IRA is simple:

Open or create a custodian account with:

Fund the account

Buy precious metals from:

There are two main ways that individuals can establish and get physical precious metals into a custodian / retirement account (401k or IRA). They are:

Establish a self directed 401k trust or LLC where you are the trustee or owner of the LLC. Fund it from existing 401ks or IRAs. The metal is in YOUR control. There may be annual fees payable to local/state or the federal government. Once funded, you would simply contact us to buy your precious metals.

Establish a self directed 401k or IRA at Equity Trust. Fund it and buy precious metals. The metal must be stored in an IRA approved depository and there are yearly fees associated with management and storage of your account. Once funded, fill out the buy direction paperwork with any of the custodians naming Matador Rare Coins Ltd. as the dealer. Then contact us and we will coordinate with the custodian in selling the metals into your account and sending to the depository.

There are benefits to both methods, in our opinion. It is up to you to decide which suits your needs better.

Acceptable Precious Metals for IRA Investments

When considering investments for an Individual Retirement Account (IRA), it's crucial to adhere to the guidelines set by the Internal Revenue Service (IRS). The IRS allows for specific precious metals to be included in an IRA, provided they meet certain criteria and fineness requirements. As of the current regulations, the following precious metals are deemed acceptable for IRA investments:

Please note that any gold, silver, platinum, or palladium included in an IRA must meet the minimum purity requirements as set by the IRS. Additionally, it is essential that bars, rounds, and coins are produced by accredited refiners, assayers, or manufacturers, certified by recognized entities such as NYMEX, COMEX, NYSE/Liffe, LME, LBMA, LPPM, TOCOM, ISO 9000, or a national government mint. Proof coins must be ungraded and accompanied by a certificate of authenticity, while bullion coins must be in uncirculated, excellent condition.

By adhering to these standards, investors can ensure their IRA remains compliant with the IRS regulations regarding precious metals investments.