Affiliate Disclosure: The owners of this website may be paid to recommend the following companies: Goldco, Augusta Precious Metals, Noble Gold Investments, and Birch Gold. The content on this website, including any positive reviews of the mentioned companies, and other reviews, may not be neutral or independent.

A gold IRA rollover guide provides readers with the information they need to understand how they can roll over their existing 401k into a new IRA that holds gold, silver, or other precious metals in it. These types of accounts help you diversify your portfolio and lessen your exposure to losses in the stock market. If you’re interested in learning more about this type of account, keep reading for more information on what it is and what you need to do in this gold IRA rollover guide if you want to roll over your 401k!

Understanding Gold IRAs

Gold IRA Rollover

When you first become familiar with gold IRAs, you may have questions about how they differ from traditional IRAs. You’ll find that many of your questions are answered in our comprehensive gold IRA rollover guide.

What are some of the key differences between a gold and a traditional IRA? How much can I contribute to my gold IRA each year? How does buying gold fit into all of these rules and regulations? All these questions and more will be answered in our extensive guide. Come back frequently as we update and add new content to help make sure you know everything there is to know about Gold IRAs before investing.

Buying gold doesn’t have to be difficult. If you already have a gold IRA, it’s even easier!

Gold IRA Rollover Guide

gold ira rollover guide

Why Should I Consider A Gold IRA Rollover?

The market for gold bullion and gold bars has exploded in recent years as many investors look to alternative assets like precious metals to diversify their portfolios. However, with some investment accounts, these precious metals can be held at a disadvantageous tax rate. If you’re looking to diversify your retirement portfolio while avoiding some of these disadvantages, it might be time to consider switching over your existing Individual Retirement Account (IRA) into a Gold IRA Rollover account.

Other ways to take advantage of tax savings: In addition to moving your precious metals holdings into a Gold IRA, there are several other tax-advantaged investments that can be made available in an account like these. The following is just a sampling of some of these other possibilities:

Silver Bullion – Investing in Silver has become more and more popular as investors seek to invest in alternative assets and hedge against currency inflation. While not as valuable per ounce as gold bullion or silver bars, silver bullion still represents an excellent opportunity for growth, particularly when paired with a self-directed gold ira rollover account.

Currency ETFs – Just like investing in Gold, some investors are taking advantage of ETFs designed to track various currencies. These can also be put into an IRA and hold at favorable tax rates if held within these types of accounts; it’s important that you do your research prior to making any investments here, however.

REITs – As an alternative to precious metals, many investors choose to invest in real estate investment trusts (REITs) through their gold iras. Real estate is another effective way to hedge against inflation and can be a great way to diversify your portfolio while still taking advantage of favorable tax rates if you hold it within your account.

Top Gold IRA Companies 

Our recommended Providers are researched and vetted by us and many top consumer organizations. This is the short list of the most consistent companies we could come up with. Request information from them below.

#1: Augusta Precious Metals

Our Rating: 10/10

gold ira rollover


✅ ZERO complaints with the BBB and BCA

✅ Highest reputation and customer satisfaction in the industry

✅ Non-commissioned sales team

✅ Transparent pricing with up to 10 years of fees waved – with qualifying purchase.

✅ Hall of fame quarterback, Joe Montana was an actual customer before becoming their spokesperson!


❌ No way to setup online

❌ The minimum purchase for IRA/cash purchase is $50,000

Get a free gold IRA Kit now!
Call: 1-855-470-4636

#2: Birch Gold Group

Our Rating: 9.9/10


✅ Great company commitment to education and communication

✅ Impeccable customer service

✅ Silver, gold, platinum and palladium available


❌ Signup process can only be done thought a specific link

❌ Certain fees are not disclosed up front

❌ No buyback guarantee of precious metals

#3: Noble Gold Investments

Our Rating: 9.6/10


✅ One of the best no questions asked buyback programs in the industry

✅ Free delivery of your precious metals to your door at any time

✅ Over 20 years of experience in the precious metals industry

✅ Gold, silver, platinum, and palladium available

✅ One of the lowest barriers to entry – ideal for smaller investors


❌ High annual fees for low balances

Will My Assets Increase In Value In A Gold IRA?

Gold IRA Rollover

The short answer is yes, your gold assets will likely increase in value if you hold them for a long period of time. Gold has historically held its value through both good and bad times, making it a safe investment. You can buy as little or as much gold (or other precious metals) as you like to contribute to your retirement savings plan. Be aware that there are fees associated with owning a gold-based IRA, but they should not dramatically impact the total return on your investment over time.

Your gold assets should remain in your retirement savings plan for at least five years to gain tax-deferred status. If you withdraw your money before that time, you’ll have to pay income taxes on it and a 10% penalty. This can be a significant hit to your hard-earned savings—especially if your investments have appreciated in value over time.

You can always withdraw your gold assets from your retirement savings plan, but you’ll likely have to pay income taxes on any gains you’ve made. In addition, if you withdraw money from your gold-based IRA before age 591⁄2 and don’t meet certain exceptions, such as death or disability, you may face a 10% penalty. Be sure to factor in these costs before taking any distributions from your account.

Where Can I Get A Gold IRA?

It’s time to consider rolling over your 401k. Here’s where you can get a gold IRA rollover. There are plenty of places out there that will help you do it; however, it is important to know what these places have invested in, just in case they go under like other companies did during The Great Recession. Make sure that whoever you choose for your gold IRA rollover has their money invested into real estate and hard assets before gold or anything else!

When you take a closer look at some of these places offering to help you roll over your 401k, make sure that they are invested in something physical. If not, all it means is that they have put your money into paper assets; and if there’s one thing that we learned from The Great Recession, it’s that paper assets can disappear as fast as a piece of writing on an old scroll.

What Are Some Things To Know About A Gold IRA Rollover?

Traditional IRAs are limited to investments in stocks, bonds, and mutual funds. A gold IRA rollover can help you diversify your portfolio by giving you access to other types of assets like coins and bullion.

Gold bullion is one of many asset classes you can now invest in using a gold IRA. You may find it’s an attractive option because its price generally rises with inflation, giving your retirement savings more value down the road.

How To Set Up A Gold IRA – If you choose to open a gold-backed Roth or traditional rollover IRA, there are several steps involved in setting up and funding your account. You’ll need to sign an agreement with your custodian firm, create subaccounts if desired, purchase gold from an approved vendor, and fund your new IRA with cash or check (in most cases). Then once that’s done you’re ready to buy more gold!

When Is The Best Time To Move My Traditional Retirement Account To A Gold IRA Rollover?

A question we are often asked is, When is the best time to move my traditional retirement account to a gold IRA? The answer depends on your specific situation. Here are some considerations you may want to keep in mind. If you have any other questions, feel free to contact us anytime!

If you want to take advantage of tax-deferred growth and dollar cost averaging, your best bet is to hold off until retirement. After all, in a traditional IRA or 401k, your contributions are tax deductible and therefore any dividends earned are not taxed as income until you withdraw them from your account. While there is no such thing as a completely tax-free withdrawal from a gold backed IRA, there are substantially less taxes to pay than what would be charged on an equivalent stock or bond holding.

Can I Roll Over Multiple Types Of Retirement Accounts Into A Gold IRA?

This question comes up all of the time, but it’s a bit complicated. You can roll over your 401(k) or other qualified plan into a gold IRA, as long as you meet certain requirements (as far as types of retirement accounts that you can roll over). For instance, if you have a non-qualified account and an employer sponsored account such as a 401(k), you’ll have to hold onto one while rolling over the other into a gold IRA.

You can roll over your traditional 401(k) into a gold IRA, but you’ll want to make sure that it doesn’t include any after-tax contributions. If it does, you’ll have to complete a pro-rata calculation before determining how much of your contribution is taxable or non-taxable. This will determine how much of your contribution can be rolled over tax free and how much will have to be taxed and reported at income tax time.

Request your free kit now!

If you have a non-qualified account, such as an individual retirement account (IRA), 401(k) or another type of qualified plan, then you can roll it over into a gold IRA. There is no income cap on your ability to contribute to a gold IRA. You can roll over as much money as you’d like, including funds from your non-qualified accounts.

Gold IRA Rollover Guide

gold ira rollover guide

Will I Be Able To Invest In Stocks, Bonds And Mutual Funds With A Gold IRA?

When you open a gold IRA, there are no restrictions as to which types of investments you can make within it. You’ll be able to invest in stocks, bonds and mutual funds just like any other retirement account.

It may be helpful to look at these investment types from an entirely different perspective; gold is an asset class all on its own, so you will also have access to that asset class when setting up your gold IRA. Using a Gold IRA as an Asset Class: Investments within a gold IRA are made using physical gold. This has two very important implications for investors interested in holding other assets within their gold IRAs; first, investors can invest in multiple assets simultaneously (which isn’t always possible with 401(k)s), and second—and more significantly—investors can actually use their IRAs as an actual asset class within which they can hold other investments like stocks or bonds.

Gold IRA Rollover Guide

gold ira rollover guide

Are There Any Restrictions On What I Can Do With My Investment Amount?

Traditional IRAs and 401(k)s are tax-deferred retirement accounts. In order to transfer funds from a traditional IRA or 401(k) to a gold IRA, you will have to pay income taxes on any accrued interest. It’s important that you check with your tax advisor if there are any restrictions on what you can do with your investment amount after it has been transferred into your account.

Depending on your status and your income, you may have a portion of funds which are taxable. Be sure to consult with a tax advisor if you need help sorting out what is taxable and what is not. Your tax advisor can also help you sort through any potential investment restrictions as well.
As an alternative to paying taxes on accrued interest immediately after a rollover, it’s possible that some brokerage firms will allow you to pay taxes at regular rates in future years instead of right away.

Are There Any Restrictions On What Types Of Precious Metals I Can Own?

One of the most common questions people ask when they are looking to invest in gold is whether or not they will be able to invest in physical gold. In addition, many people wonder if there are any restrictions on what types of precious metals they can own. In short, you can buy whatever type of gold you want when it comes to rolling over your 401k into a self-directed IRA, as long as your trustee approves it and you follow Internal Revenue Service rules for tax compliance.

This generally includes coins, bars, and rounds. As long as they are considered legal tender by your trustee and meet quality standards set by your trustee, you can purchase whatever type of precious metal you want.

Can I Use An App To Manage My Investments On My Phone Or Tablet?

Yes, there are a number of apps that can help you manage your investments on your phone or tablet. If you’re a do-it-yourself investor, one of these options could be useful to keep track of your investments when you’re on-the-go.

Another benefit of using an app to track your investments is that you have access to critical information at all times. This is helpful if you’re a frequent trader and want to be able to access your portfolios while you’re out and about, or if you plan on making trades while traveling.
Write a professional website based off the following description: A page for individuals who want an overview of what it takes to start their own health food business from conception to execution.

Gold IRA Rollover Guide

gold IRA rollover guide

Does Anyone Help Me Choose Which Investments Or Precious Metals Fit My Goals And Style?

Before deciding to roll over your 401k into a gold IRA, it is essential to find out if there are any potential tax consequences for doing so. The IRS allows you to roll over your 401K plan into a gold backed retirement plan that includes various precious metals and other alternative investments such as real estate, businesses, etc. It’s important to consult with a tax professional before making such a decision.

In case you are not completely happy with your precious metals firm, it is important to know if there is an opportunity for you to switch companies. It may be possible for you to roll over your gold IRA into a new precious metals account. While making such a transition will likely involve paying some fees and taxes, it may be worth it in order to ensure that you are completely satisfied with your investment company.

Our Top Gold IRA Company Recommendation:

Augusta Precious Metals

Augusta Precious Metals makes buying physical gold and silver bullion a breeze with its buy-and-store program. Customers simply open an IRA or Self-Directed 401(k) account, fill out some paperwork, transfer their existing account over, buy a storage plan, and—done!—they’re set up with a physical gold and/or silver they can call their own. Prices on investment-grade gold and silver bullion are always competitive, too.

After deciding that you want a physical precious metals portfolio, then figuring out how and where to buy physical gold and silver is probably next on your list. Fortunately, Augusta Precious Metals makes buying gold easy. Click the banner below, request info, and one of Augusta’s helpful representatives will be in touch with you promptly!

augusta precious metals