Goldco Review 2026

Goldco is a gold and silver IRA company founded in 2006, with a $25,000 minimum, a BBB A+ rating and a 4.8/5 rating on this site. It advertises a buyback guarantee, a free IRA guide and a 10% silver bonus on qualifying new accounts.

Precious Metals: Gold, Silver

Storage Options: Delaware Depository, IDS Texas

Annual Fee: $80 | Storage Fee: $150/year

• ✅ Free IRA Guide
• ✅ Buyback Guarantee
• ✅ Lower Minimum

Goldco is listed with a $50 setup fee, an $80 annual fee and $150 per year for storage. Added together, that is $280 in the first year and $230 in each later year, before dealer premiums and any charge that is not shown on this page. On the $25,000 minimum, $230 a year equals 0.92% of the balance.

The $150 storage figure is the highest of the five companies, tied with Noble Gold, while Augusta, Birch Gold Group and American Hartford Gold list $100. The site data names the same weakness in its cons: higher storage fees.

• Ask which depository the $150 applies to: Delaware Depository or IDS Texas, the two options listed.
• Ask whether storage is segregated or commingled at that price.
• Ask whether the $80 annual fee is the custodian's charge, Goldco's, or a combined figure.

Goldco is labelled Best Buyback Program in the site data, and its listing mentions a guaranteed buyback. A buyback policy is only as good as its terms, so get them in writing.

• Which price does the buyback use: spot price, or a quoted dealer price below spot?
• How many days pass between a sell order and cash in the IRA?
• Are shipping, handling or transaction fees deducted?
• Does the guarantee cover metals you bought from another dealer?

Remember that a sale inside the IRA keeps the proceeds in the account. Taking cash out before age 59 and a half generally adds a 10% early-withdrawal penalty on top of ordinary income tax.

The listing mentions a 10% complimentary silver bonus for qualifying new accounts. A bonus is part of the price of the deal, so check what you pay for the rest of the order.

• What account size or purchase amount qualifies?
• Is the bonus silver delivered into the IRA, and does it meet the IRS 99.9% purity rule?
• Does accepting the bonus change the premium over spot on the metals you buy?
• Is there a holding period before you can sell or transfer?

• Fits: savers with at least $25,000 who want only gold and silver and care about the exit terms.
• Look elsewhere: you want platinum or palladium, because Goldco lists only gold and silver. Birch Gold Group, Augusta and Noble Gold list all four metals.
• Look elsewhere: you are starting below $25,000. Birch Gold Group and American Hartford Gold start at $10,000, and Noble Gold at $20,000.

Another listed con is that detailed pricing often requires speaking with a representative, and that custodian and storage specifics may not be easy to find. Plan to request the full fee schedule before you decide. The listing also mentions 24/7 client assistance.

Goldco ranks second at 4.8/5. By the fixed figures on this site, first-year costs are roughly Noble Gold $310, Goldco $280, Augusta $250 and Birch Gold Group $230, while American Hartford Gold waives the setup fee in year one. These totals ignore premiums and spread, which usually matter more than the annual charges.

The comparison suggests Goldco is the middle option: cheaper to enter than Augusta, costlier to hold than Birch Gold Group.

• Open the company's BBB profile and read the complaint history and how each complaint was closed, not only the letter grade.
• Search your state attorney general and securities regulator for actions against the company.
• Treat pressure to decide on the first call, short-deadline pricing, or pushing collectible coins into an IRA as warning signs. Numismatic and collectible coins are not IRA-eligible, and a purchase can trigger a taxable distribution.
• Ask for every fee, the spread and the buyback terms in writing before you fund the account.

The Get Free Kit buttons on this site are fulfilled through our partner Augusta Precious Metals, as the partner disclosure states, so they are not a direct link to Goldco. Ratings on this page summarize the data held on this site and are not a guarantee of service.

What is Goldco's minimum investment?

$25,000. That is lower than Augusta's $50,000 but higher than the $10,000 minimums at Birch Gold Group and American Hartford Gold.

Does Goldco offer platinum or palladium?

This site lists only gold and silver for Goldco. Birch Gold Group, Augusta and Noble Gold list all four metals.

What should I ask about the Goldco buyback?

Ask which price it uses, how quickly proceeds reach the account, what fees are deducted and whether metals bought elsewhere qualify, and get the answers in writing.

What does the 10% silver bonus involve?

It is advertised for qualifying new accounts. Ask what qualifies, whether the silver is IRA-eligible at 99.9% purity and whether it changes the price you pay on the rest of the order.