Invest in Your Future with a Precious Metals IRA or Gold IRA
In today’s uncertain economic climate, many investors are diversifying their retirement savings by investing in precious metals. A Gold IRA or Precious Metal IRA provides a hedge against inflation and market volatility while offering the security of holding tangible assets. With IRA Financial, you can open a self-directed account to invest in gold, silver, platinum, and IRS-approved coins for long-term financial stability.
As seen in:
Why Choose Us to Help You Invest in Precious Metals for Retirement?
Using IRA Financial to invest in precious metals offers several advantages, especially if you’re looking to diversify your retirement portfolio with physical assets like gold, silver, platinum, or palladium. Self-directing your retirement, whether you use a Self-Directed IRA, Checkbook IRA, or Solo 401(k) plan, can help you diversify your portfolio and hedge against inflation. Our team is well-versed in IRS rules regarding alternative assets, helping you avoid prohibited transactions and keep your account in good standing.
No commissions or surprise charges.
Serving investors in all 50 states.
Live chat and phone service available during business hours.
Manage assets or have us handle them.
Led by Self-Directed IRA specialists.
100% Self-Directed IRA solutions.
How to Open an Investment Account to Hold Precious Metals
01
Open Your Account
Opening a self-directed retirement account is simple. 
Submit your online account application in just a few minutes. Get Started
02
Get your account number
Once your account is reviewed and approved. You’ll receive your account number and gain full access to our online retirement platform.
03
Fund your account
Transfer or rollover funds from an existing retirement account or fund your account through a direct contribution. Once funded, you’ll be able to make your investments and start growing your wealth.
Self-Directed Retirement Accounts for Individuals
Self-Directed IRA
$495
/ annually
- Free setup fee
- Best value self-directed solution
- Invest in almost anything you want
- Use a traditional, Roth, SEP or SIMPLE IRA, ESA or, HSA
- No transaction or asset value fees
Checkbook IRA
$495
/ annually
- $999 setup fee
- Ultimate freedom and privacy
- Invest in almost anything you want
- Use a traditional, Roth, SEP or SIMPLE IRA, ESA or HSA
- No transaction or asset value fees
Solo 401(k)
$399
/ annually
- $999 setup fee
- No asset, transaction, or purchase fees — ever
- Free tax consulting, plan documents, Form 5500-EZ filing, and IRS audit protection
- Borrow up to $50,000 tax-free
The Benefits of Investing in Precious Metals with Retirement Funds
Precious metals like gold and silver provide a hedge against stock market volatility, inflation, and economic uncertainty. They have historically held their value during periods of high inflation, helping to protect your purchasing power over time. Further, they’re considered safe-haven assets that retain value when other markets dip. Long-term growth paired with tax advantages make investing metals with retirement funds a savvy, saving strategy.
Better Tax Advantages
In general, all income or gains from a precious metals investment held in a retirement account are tax-deferred—or tax free in the case of a Roth account.
Inflation Protection
Precious metals are widely recognized as a long-term hedge against inflation, helping preserve purchasing power as the cost of living rises.
Greater Liquidity
Most precious metals are in constant global demand and actively traded across international markets, making it one of the most liquid assets available. Its high liquidity means you can buy or sell with ease, making it a smart and flexible addition to any retirement plan.
Greater Earning Potential
The value of metals, such as gold, silver, and palladium, often increases during periods of economic stress, offering strong growth potential when other markets struggle.
Direct Investment Control
Choose the type and quantity of metals to hold in your account—without relying on fund managers or limited investment menus..
Built in Asset Protection
Precious metals held within a retirement account are protected from personal liability and may offer a level of security during market uncertainty.
Precious Metals You Can Invest in with a SDIRA
With a self-directed retirement account, you can diversify your retirement portfolio and hedge against inflation and economic uncertainty by investing in IRS-approved precious metals. These include:
Gold
Coins or bars that meet a minimum fineness of 0.995, such as American Gold Eagles and Canadian Gold Maple Leafs.
Silver
Coins or bars with a fineness of at least 0.999, including American Silver Eagles and Austrian Silver Philharmonics.
Platinum
Must meet a minimum fineness of 0.9995, such as the American Platinum Eagle.
Palladium
Also requires a minimum fineness of 0.9995, with options like the Canadian Palladium Maple Leaf.
Tip: While Gold IRAs are the most popular investment choice, diversifying with silver, platinum, or palladium can help hedge against market volatility and provide additional long-term security.
Us vs Other Alternative AssetInvestment Companies
When investing in precious metals through your retirement account, fees can add up quickly. Many self-directed account providers charge asset-based fees that increase as the value of your gold grows—cutting into your long-term gains. Our flat-fee model keeps your costs predictable and transparent, so more of your retirement funds stays in your account where it belongs.
IRA Financial | Other Providers | |
Book a Consultation
Schedule a free consultation with a member of our team to explore how opening a self-directed retirement account can unlock your ability to invest tax-free in a variety of alternative assets.
See What Our Clients Have to Say
Online application process was very simple. Any questions I had was quickly responded to by humans and not simply an unintelligent bot. Establishment of my LLC and bank account was very smooth.
Before contacting IRA Financial Group, I conducted an extensive market research on Solo 401K providers. From the initial phone call, I was impressed with the professionalism, the wealth of information provided, the caliber of services. I commend the firm for the technically advanced and secured process they have in place for the transfer of documents and payments processing.
I've looked at all of the participants in this space and IRA Financial was the clear choice. They were the easiest to work with, answered all my questions and concerns prior to me taking the steps to open the account. The process is straight forward and there are no surprises. My investments in Real Estate have been largely successful. IRA Financial is professional, has great support, and put the customer in the driver's seat.
FAQs On Investing In Precious Metals with Retirement Funds
Thinking about adding precious metals to your retirement investment strategy? Below are answers to some of the most frequently asked questions related to precious metal investing with a self-directed retirement account.
Yes, but only through a Self-Directed IRA (SDIRA) or Solo 401(k) that allows physical precious metals. The metals must meet IRS fineness standards and be stored in an approved depository. Traditional financial institutions and banks do not allow investors to hold physical metals. Instead, you can invest in mutual funds, ETFs, and the like that are invested in the metals.
You can invest in gold, silver, platinum, and palladium—as long as they meet IRS purity requirements. These include:
- Platinum/Palladium: Approved bars and coins
- Gold: American Eagle, Canadian Maple Leaf
- Silver: American Silver Eagle, Austrian Philharmonic
 A Gold IRA allows you to invest directly in IRS-approved physical gold for your retirement, while still enjoying the tax benefits of a standard IRA.
You open a Gold IRA by working with a provider like IRA Financial. We set up the plan, handle compliance, and help you select IRS-approved gold investments.
We specialize in self-directed retirement accounts, offering compliance expertise, low fees, and flexible investment options for gold and other precious metals.
Yes. While gold is the primary investment, you can also include silver, platinum, and palladium in a diversified Precious Metals IRA.
No, IRS rules prohibit storing IRA-owned metals or coins at home or in a personal safe. To remain compliant with regulations, the metals and coins must be held in the physical possession of an IRS-approved depository or self-directed retirement account custodian.
Storing the metals at home—even if it’s titled to your retirement account—can be considered a prohibited transaction by the IRS. This could lead to serious consequences, including disqualification of your entire account, early withdrawal penalties, and immediate taxation on the full account value.
To protect your retirement assets and ensure full compliance, always use an approved storage facility that meets IRS custody requirements.
Yes! IRA Financial does not limit your investment options with our self-directed retirement plans. There are only three things you cannot invest in, as per the IRS:
- life insurance
- collectibles
- any transaction involving a disqualified person.
Apart from those, you can invest in anything you want with IRA Financial, including real estate, cryptos, private equity and many more alternative assets.
As long as the metals remain inside of the retirement account, there are no tax implications whatsoever! You can buy, sell, and trade at your leisure and not have a tax bill. Taxes are only due once you withdraw the funds (or metals) from the plan. In the case of a Roth-type account, qualified distributions are never taxable.
As long as the metals remain inside of the retirement account, there are no tax implications whatsoever! You can buy, sell, and trade at your leisure and not have a tax bill. Taxes are only due once you withdraw the funds (or metals) from the plan. In the case of a Roth-type account, qualified distributions are never taxable.
Ready to Invest in Your Future?
Whatever strategy you plan for retirement, we do it all. Build your retirement with a Self‑Directed IRA designed for alternative and non traditional investments.
#1 IRS Audit Protection
Flat Rate, No Hidden Fees
Expert Live Support
Total Investment Freedom