Goldco Gold IRA

Prudent planners and market professionals alike have long known that purchasing gold can be both a safe and smart way to diversify a portfolio, protect your personal assets and hedge against inflation. Gold is considered a safe haven asset in times of economic uncertainty or during a volatile market, making it a particularly compelling choice for those considering their retirement goals. But with the influx of schemes and scams plaguing the gold industry, understanding how and who to move forward with is critical. Goldco has emerged as an industry leader, trusted by thousands of Americans to plan and protect their retirement savings by diversifying with gold and silver. We’ll walk you through the ins and outs of the company, their products and services, and pros and cons to help you understand if Goldco can help you and your family reap the benefits of precious metals. 

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9.9

9.9

Up to $15,000 Instant Match in Bonus Silver

Highlights
Highest industry buyback guarantee
8 Time INC 5000 Winner, A+ BBB Rating, & over 6,ooo 5-star reviews
Up to $15,000 Instant Match in BONUS silver on qualifying purchases
Placed over $2.5 Billion in gold and silver

About Goldco

The recipient of numerous industry awards, an A+ rating by the Better Business Bureau and more than 6,000 five-star reviews from satisfied customers, Goldco is one of the premier gold and silver companies to help you break into the precious metals market. From precious metals Individual Retirement Accounts (IRAs) to direct purchases of gold and silver (and even platinum and palladium), Goldco has already helped thousands of Americans diversify their retirement savings of more than $2.5 billion dollars in gold and silver  to potentially protect their wealth for the long-term. Backed by over a decade of experience, Goldco is known for their excellent customer service, high ethical standards and award-winning precious metals education and resources that can help you navigate the  buying process with confidence.

Pros Cons
A leader in the space with more than $2.5 billion placed in gold and silver Need to call for more specific information regarding your personal financial goals
Highly trusted as the only precious metals provider with over 6,000 five-star reviews from happy customers Minimum investment for Gold IRA is $25,000
A+ rating from the Better Business Bureau
Specializes in Gold and Silver IRAs
Also offers direct sales of certified gold and silver
Works directly with government-certified mints, around the world, to ensure quality
Offers a comprehensive range of high-quality coins and bars
Provides the industry’s highest buy-back guarantee
Award-winning, highly-responsive customer service team that offers a white glove service approach
Vast library of award-winning education resources, videos and articles
Free gold & silver kit with need-to-know info—no commitment needed

Goldco Products and Services 

Goldco is on a mission to help Americans protect and diversify their financial future by including precious metal ownership in your overall savings strategy. Their services make it easy and painless to diversify your retirement assets or purchase gold and silver directly, and their specialists are there to walk you through every step of the process.

  • Precious Metals IRA: Goldco offers both gold and silver IRAs that allow customers to add only the highest-qualified, certified precious metals to their portfolio while still enjoying the same tax advantage of a typical traditional IRA (tax-deferred) or Roth IRA (tax-free) retirement account. Goldco Precious Metals Specialists can help you either contribute to a new gold or silver IRA account or, more commonly, roll over your existing savings from a 401(k), 403(b), TSP, IRA or similar account into a precious metals IRA, locking in any previous gains while diversifying and adding stability to your savings. 
  • Gold & Silver Direct Purchase: Goldco also offers the option to purchase gold and silver to be delivered securely to your preferred location. They have partnered with certified government mints worldwide to only offer the most stable, minted coins available, as well as gold and silver bars that come in a variety of sizes but all are .9999 fine for the highest level of economic stability. 
  • Market Insights and Educational Resources: Access a vast online library featuring everything from beginners guides to videos and even current events articles pertaining to precious metals on Goldco.com. You can even track real-time and historical data of both gold and silver prices to help you make informed decisions. 
  • Highest Buyback Guarantee: In addition to offering the best precious metals available, Goldco provides complete purchase confidence by offering to buy back your metals at the highest price should your circumstances ever change.

How Goldco Works

Winning both industry accolades and rave reviews from real customers for their outstanding customer service, the team at Goldco is dedicated to helping you navigate the process in just a few simple steps. 

Setting up a Gold or Silver IRA

  1. Open your IRA
    A Goldco Precious Metals Specialist will walk you through every step, beginning with helping you select which precious metals IRA is right for you (Traditional or Roth) before signing an agreement securing your purchase and confirming that you understand and accept Goldco’s business terms.
  2. Fund your self-directed IRA
    You can either choose to start a new IRA, transfer or roll over existing assets from a 401(k), 403(b), TSP, savings or IRA accounts without taking a tax hit.
  3. Purchase your preferred precious metals
    Once your IRA is adequately funded, you can select which IRA-eligible gold or silver coins or bars you’d like to add to your purchase. .

Buying Gold or Silver Directly 

  1. Secure your agreement
    Similar to an IRA, a Goldco Precious Metals Specialist can walk you through your options and answer any questions before you review, approve and sign a standard customer agreement.
  2. Fund your account
    You can either send payment via a bank wire or check. Goldco will send you a prepaid FedEx shipping label if you are paying by check to help expedite the process.
  3. Select your precious metals
    With the proper funds in place, you can then select which precious metals you’d like to purchase, and have them shipped directly to your doorstep. 

Gold IRA Fees and Minimums 

Similar to other popular types of retirement investment accounts, precious metals IRAs often come with added fees, like storage and custodian fees (required by the IRS, as all IRA assets must be managed by a custodian) in addition to the setup and/or annual account maintenance charges. 

While Goldco isn’t particularly transparent about their fee structure on their website, instructing interested parties to call for more personalized pricing based on their financial goals, the good news is that they don’t charge any fees. The custodian and depository typically charge flat fees upfront versus hiding them in trades or other avenues to make money. 

In general, you can expect to pay around $275 to $325 that first year for a gold IRA to get your account up and running, and $225 a year after that, although fees may vary depending on the IRA custodian you use. 

To help keep fees manageable, Goldco typically requires a minimum investment of $25,000 to start a gold IRA, which works out to a 0.90 annual percentage fee. Many other investment funds, including 401(k) plans charge similar rates or even over one percent in expenses per year. But if you transfer $100,000 into your gold IRA, the expense ratio drops to 0.23 percent, making it comparable with low expense ratio funds. The more you put into your gold IRA, the lower your expense ratio gets, which is one of the benefits of having flat fees. 

If you don’t have $25,000 to put into a precious metal IRA, buying gold or silver directly from Goldco is a viable option. Visit Goldco.com and request a free copy of their Gold & Silver Kit to get access to a wealth of information about investing in your future. 

Comparing Goldco to the Competition

While newer to the market than some competitors, Goldco has quickly gained ground as a leader thanks to their exceptional customer service and educational resources, high quality catalog of precious metals and quick and painless process. 

Goldco vs. Birch Gold 

Both companies specialize in offering access to gold, silver, platinum and palladium for retirement investment and earn top marks for their convenience, customer support and security. While Birch Gold is among the oldest precious metals IRA brokerage companies still around today, Goldco has quickly gained ground as an industry leader with over two and a half billion placed in precious metals. Birch Gold has a lower minimum investment for precious metal IRAs, but only Goldco helps insure individuals’ confidence with their highest buyback price guarantee and award-winning customer service. 

Goldco vs. Augusta Precious Metals

Committed to helping investors diversify their assets by acquiring precious metals for their IRAs or personal holdings, Augusta Precious Metals is better aligned to people who have higher thresholds, as their minimum investment to start a Gold IRA is $50,000, double what Goldco requires. Goldco also offers access to a broader selection of precious metals, including both platinum and palladium in their catalogs, while Augusta only offers access to gold and silver. Goldco also offers more options for storage, which may positively impact annual fees. Both companies offer buyback guarantees and are highly rated for their customer service.

Bottom Line: Why We Love Goldco

Whether you’re nearing retirement or not, diversifying with precious metals to help your portfolio is one of the most important steps you can take to safeguard your financial future against inflation and economic uncertainty. And Goldco is one of the most trusted companies to help you know where and how to begin. The precious metals IRA flat fee structure and flexible storage and custodian options make Goldco’s precious metal IRAs particularly appealing to those who have more to manage since they require a minimum of investment of $25,000. But even people with less to put toward precious metals can take advantage of purchasing high quality, certified gold and silver directly from Goldco, which partners with only the most reputable certified mints worldwide. Plus, their highest price buyback guarantee provides extra confidence that you can liquidate your metals quickly with the industry’s highest buy back guarantee, if your situation ever changes. With thousands of five-star reviews from real customers and numerous industry awards, Goldco is a smart choice for anyone looking to diversify their savings with precious metals  for years to come. 

Goldco Gold IRA FAQs

Unlike traditional IRAs that are invested in traditional financial assets, like cash, stocks or bonds, a Gold IRA is backed by physical assets that include gold and other precious metals, offering unique protection against inflation and market volatility. Partnering with a reliable company is crucial to starting a Gold IRA, as the chosen firm will oversee the transfer of funds, selection, purchase and storage of metals, and compliance with Internal Revenue Service regulations.

Goldco has earned multiple industry awards and rave reviews from customers to establish themselves as one of the top-rated precious metals companies around today. The Better Business Bureau has awarded Goldco a highly coveted A+ rating, and the company has  received a “Triple A” rating from the Business Consumer Alliance. 

Their exceptional customer service has contributed to them gaining five-star ratings from more than 6,000 satisfied customers, and Money.com even awarded them Best Customer Service in 2024. 

Goldco does not charge annual fees. The fees associated with setting up a Precious Metals IRA can vary depending on where and how you choose to store your gold, your preferred IRA custodian, and more. Generally, you can expect to pay the custodian a one-time fee of $50 for account setup, followed by around $125 per year for account management and the depository between $100 to $150 for annual storage. 

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