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Gold IRA Guide: Self-Directed IRAs and Gold IRA Rollovers

If you are looking to add some diversification to your retirement portfolio, then you should consider an investment in gold. The good news is that there is an IRA plan that is designed specifically for physical gold investors. Known as a Gold IRA, this unique retirement plan allows you the same tax advantages as your traditional IRA. Here is a look at what a Gold IRA is and how to roll over your current retirement plan into a Gold IRA

What is a Self-Directed IRA?

A self-directed IRA plan is simply a plan where you make all the investment decisions in your retirement plan. Here are the various types of self-directed IRA plans that are available:

  • Traditional RIA
  • Roth IRA
  • Gold IRA

Each IRA plan has a contribution maximum of $6,000 if you are under 50 and $7,000 if you are over 50.

What Is a Gold IRA Rollover?

A gold IRA rollover is when you take an existing retirement plan and you “roll it over” into a Gold IRA plan. This allows you to easily create your Gold IRA plan without having to make any additional contributions. Also, you can roll over the plan without any tax implications.

Should You Rollover Your Retirement Plan to a Gold IRA?

You should always carefully consider the pros and the cons when it comes to rolling over your self-directed retirement plan to a Gold IRA. Here are some situations where rolling over to a Gold IRA is a good idea:

You do not have precious metals in your retirement

If you do not have any gold or other precious metals in your retirement funds, then you should consider adding physical gold today. That is because gold is generally uncorrelated with stocks. This will allow for more smooth returns over time.

You are not properly diversified

Many investment experts agree that you need to be properly diversified to gain better returns and reduce market volatility. This is why you should own a mix of stocks, bonds, and precious metals. A Gold IRA allows you to add gold to your retirement funds while also enjoying various tax advantages.

You want physical assets in your retirement plan

Sometimes it is a good idea to have something tangible in your retirement funds. That could include real estate or gold. Since gold is easier to buy and sell, it would be a good idea to consider having physical gold in a Gold RIA account.

Types Of Accounts That Qualify For a Gold IRA Rollover

Several accounts qualify for a Gold IRA rollover. If you have any one of the following self-directed retirement accounts, then you can roll them over into a Gold IRA today.


All Traditional IRA, Roth IRA, SEP IRA, Simple IRA or Self Directed IRA accounts can be rolled over to a gold IRA.


You can execute a gold IRA rollover on any 401K from a company that you no longer work for.


A 403(b) plan is a retirement account offered to employees of public schools and tax-exempt organizations. You can roll over a 403 (b) plan after you have left your public school or tax-exempt job.


If you are a state and local government employee, such as a police officer, firefighter, or another civil servant, then you can roll over your 457 (b) retirement plan once you have left your job.


Thrift Savings Plans are government-sponsored retirement accounts for Federal employees, such as civil servants and the military. Once you have left your job, you can roll over your TSP into a Gold IRA.

How Long Does a Gold IRA Rollover Take?

Typically, it will take about five days to complete the entire rollover process. After you have hired the custodian for your gold IRA, you will need to purchase physical gold and have it delivered to the custodian.

Understanding Gold IRA Rollovers

Gold IRA plans are a great way to add physical gold to your retirement plan. Be sure to consult a financial planner or retirement planner before opening or rolling over into a Gold IRA plan.



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