Can I put gold in my IRA?

Yes. Under IRC Section 408(m), the IRS permits physical gold in a self-directed IRA if it meets .995 minimum fineness and is stored in an approved depository through a qualified custodian.

What are the risks of a gold IRA?

Gold IRAs carry four main risks: high annual fees ($180–$600+), illiquidity compared to stocks, price volatility (30–45% historical drawdowns), and custodian/depository counterparty risk. Home storage is prohibited.

What are the tax implications of a gold IRA?

Traditional gold IRA distributions are taxed as ordinary income. Roth gold IRAs offer tax-free qualified withdrawals. Early withdrawals before 59½ incur a 10% penalty. Traditional IRAs require minimum distributions starting at age 73.

What are the benefits of a gold IRA?

Portfolio diversification (gold’s -0.02 correlation to stocks), inflation hedging (+24.4% in 2023), and tax-sheltered growth. Gold returned ~8.1% CAGR over the past 20 years.

How to choose a gold IRA custodian?

Verify IRS approval, fee transparency (setup $50–$150, annual $75–$300, storage $100–$200), depository partnerships (Delaware Depository, Brinks), buyback policies, and BBB rating.

What if I invested $10,000 in gold 20 years ago?

Based on gold’s approximately +8.1% CAGR from 2005 to 2025, a $10,000 investment would be worth roughly $48,000–$52,000 today, significantly outpacing inflation.

Why did Warren Buffett not invest in gold?

Warren Buffett has stated gold produces no dividends, interest, or earnings. He prefers productive assets. However, gold’s low correlation to equities and inflation-hedging properties make it valuable for portfolio diversification in retirement accounts.

Can gold be part of an IRA?

Yes. Physical gold bullion and IRS-approved coins can be held in a self-directed IRA. The gold must meet .995 fineness (with an exemption for American Gold Eagles) and be stored in an approved depository.

Does Fidelity offer a Gold IRA?

Fidelity does not offer self-directed physical gold IRAs. They offer gold ETFs (like GLD and IAU) within standard brokerage IRAs, but for physical gold you need a specialized self-directed IRA custodian.

Terms of Service

Gold in IRA qualifies for the same tax-deferred treatment as a traditional IRA, with growth untaxed until withdrawal. The IRS requires a non-bank custodian, IRS-approved bullion at IRS-required 0.9950 gold purity, and depository storage at HSBC Bank USA depository in New York in 2026.

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Last Updated: January 1, 2026