Precious Metals IRA
Protect your retirement with physical gold, silver, and platinum
A self-directed precious metals IRA lets you hold IRS-approved bullion inside a tax-advantaged retirement account — with the same inflation protection and portfolio diversification as physical metals.
What Is a Precious Metals IRA?
A precious metals IRA (also called a gold IRA or self-directed IRA) is a type of individual retirement account that holds physical bullion — gold, silver, or platinum — rather than paper assets like stocks or mutual funds.
The IRS permits specific forms of bullion inside these accounts, provided they meet minimum purity standards. Your metals are held by an IRS-approved custodian and stored in a segregated, insured depository — you never take physical possession while they remain in the account.
Contributions grow tax-deferred (Traditional IRA) or tax-free (Roth IRA), the same as any other IRA. The key difference is that your savings are backed by a tangible, finite resource rather than financial instruments.
IRS-Approved Metals & Purity Requirements
Only bullion meeting these minimum fineness standards qualifies for inclusion in a precious metals IRA.
Gold
.9999 fine
- American Gold Eagle (exception: .9167)
- American Gold Buffalo
- Canadian Gold Maple Leaf
- PAMP Suisse Gold Bars
- Other .9999 fine gold bars
Silver
.999 fine
- American Silver Eagle
- Canadian Silver Maple Leaf
- Austrian Silver Philharmonic
- .999 fine silver bars & rounds
Platinum
.9995 fine
- American Platinum Eagle
- Canadian Platinum Maple Leaf
- .9995 fine platinum bars
Why a Precious Metals IRA?
Tax Advantages
Tax-deferred or tax-free growth depending on whether you choose a Traditional or Roth IRA structure.
Inflation Hedge
Precious metals have historically maintained purchasing power over long time horizons, making them a natural hedge against inflation.
Diversification
Physical metals have a low correlation to stocks and bonds, reducing overall portfolio volatility during market downturns.
Tangible Asset
Unlike stocks or bonds, physical metals carry no counterparty risk. They can't go bankrupt or be diluted by a board of directors.
How It Works
Setting up a precious metals IRA is straightforward. Here's the general process:
Open a Self-Directed IRA
Work with an IRS-approved custodian who specializes in self-directed IRAs. They handle the account setup, compliance, and annual reporting on your behalf.
Fund Your Account
Fund via a direct contribution, a rollover from an existing 401(k) or IRA, or a transfer from another retirement account. Rollovers are tax-free when done correctly.
Choose Your Metals
Select IRS-approved bullion from our inventory. We clearly mark all IRA-eligible products in our store. Your custodian purchases the metals on your account's behalf.
Secure Storage
The IRS requires that IRA metals be stored in an approved depository — not at home. Your custodian arranges insured, segregated storage with full audit access.
Note: We are a bullion dealer, not a custodian or financial advisor. We supply the IRS-eligible metals; you will need to work with a qualified self-directed IRA custodian to establish and manage the account structure. We recommend consulting a tax professional for advice specific to your situation.
Shop IRA-Eligible Bullion
Every product in our inventory is clearly labeled. Look for the IRA Eligible badge to find qualifying bullion across all three metals.
Questions? Reach us at [email protected]