Frequently Asked Questions

U.S. Money Reserve is the #1 ranked precious metals dealer in America.^*As America’s Gold Authority^®, we offer a variety of gold, silver, platinum, and palladium coins and bars for direct delivery or inclusion within a precious metals IRA.

*Based on the number of new IRA accounts opened and funded, 2024 and 2025, at Equity Trust Company.

Founded in 2001, U.S. Money Reserve has been in business for over 25 years.

No, U.S. Money Reserve is not affiliated with the U.S. Mint or the U.S. government. We are a private distributor of gold, silver, platinum, and palladium coins and bars, including U.S. government-issued products.

U.S. Money Reserve’s regular business hours are Monday through Friday, from 8 a.m. to 5 p.m. Central Time.

Philip N. Diehl, the 35th Director of the United States Mint (1994–2000), is President of U.S. Money Reserve. We are the only precious metals company guided by a former U.S. Mint Director.

We’re always looking for passionate, hardworking individuals to join our team, and we offer paid internships for college students. Search for open positions.

This depends on several key factors, including your acceptable level of risk, timeline, and portfolio diversity. That said, after reviewing historical data, many experts—including those at Goldman Sachs¹ and Morgan Stanley²—are abandoning the traditional 60/40 mix of stocks and bonds and recommending allocations to precious metals.

1 “Why Investors Should Hedge with Gold and Other Commodities, Goldman Sachs, Sept. 24, 2025.

2 “Morgan Stanley CIO favors 60/20/20 portfolio strategy with gold as inflation hedge,” Reuters, Sept. 17, 2025.

U.S. Money Reserve sells gold, silver, platinum, and palladium coins and bars. Call 1-855-410-4557 for the latest precious metals prices and products. We update our inventory regularly. Certain inventory and special releases may be available only by phone.

• Gold Bullion Coins: Gold American Eagle Coins, Gold American Buffalo Coins, Austrian Gold Philharmonic Coins, Canadian Gold Maple Leaf Coins, and South African Krugerrand Coins
• Silver Bullion Coins: Silver Legacy Eagle Coins, Silver American Eagle Coins, Silver Eagle Monster Boxes (500 Silver Eagles), and Pearl Harbor Silver Coins
• Certified Gold Coins: Gold Legacy Eagle Coins, Proof Gold American Eagle Coins, Proof Gold American Buffalo Coins (PCGS Certified), MS-70 Gold American Eagle (PCGS First Strike), Ultra High Relief Double Eagle Gold Coin, and Burnished Gold American Eagle Coins (with “W” mintmark)
• Certified Silver Coins: Mint State Silver American Eagle Coins and Proof Silver American Eagle Coins
• Gold and silver bars in various sizes
• Platinum: Platinum American Eagle, 1 oz. platinum bar

Learn more about buying precious metals in our free Gold Ownership Guide. If you’re interested in learning how to add precious metals to an IRA, request a free Gold IRA Information Kit.

You can also visit our:

• Video room
• Podcasts
• Executive Insights Blog
• Special reports
• U.S. Money Reserve in the News
• Charts and prices

Physical gold represents direct ownership of a tangible asset. Gold stocks and exchange-traded funds (ETFs)—often referred to as “paper gold”—represent shares tied to the gold market, not ownership of the metal itself.

ETFs may involve management fees and, in most cases, shares cannot be redeemed for physical gold by individual holders. Gold stocks are tied to company performance and may not track the price of gold directly.

We would never suggest that you put all of your money into a single asset. Precious metals are just one asset class that can help you build a well-balanced portfolio, along with stocks, bonds, real estate, and other asset classes.

Many financial advisors must adhere to a limited selection of employer-approved products. They commonly lack the ability to offer precious metals like gold to their clients.

Call 1-888-569-7586 during normal business hours (8 a.m. to 5 p.m. CT), and a U.S. Money Reserve Account Executive will assist you. You may also visit our Shop to place an online order.

We are committed to keeping your information secure. For more information, please read our privacy policy.

Please contact us at 1-833-744-2576 during normal business hours (8 a.m. to 5 p.m. CT) if you need to make changes to or cancel your order.

Yes. Please contact a U.S. Money Reserve Account Executive at 1-888-569-7586 during normal business hours (8 a.m. to 5 p.m. CT) to pay by check.

For online orders, our order minimums and maximums are determined by payment method:

• By credit card: There is no minimum and a $10,000 maximum per calendar month.
• By bank wire: We have a $1,000 minimum and a $100,000 maximum per calendar month.

Yes. There is no minimum dollar amount for credit card orders, but to reduce fraud, we only accept online credit card orders of up to $10,000 per month. If you would like to place an order greater than $10,000, please contact a U.S. Money Reserve Account Executive at 1-888-569-7586 during normal business hours (8 a.m. to 5 p.m. CT).

Yes. We accept bank wire for orders with a $1,000 minimum and a $100,000 maximum per calendar month. We will provide wiring instructions upon completion of your order, and make sure to provide your order number on the bank wire form. All bank wires must be received within one business day of your order placement.

Please call your Account Executive at 1-855-410-4557.

Order processing is typically completed within three business days of receiving payment. You will be notified as soon as your order has shipped from our vault. Once shipped, your order will arrive within 5-15 business days, based on the payment type you used:

• ACH and physical checks: 10-15 business days
• Credit cards and wires: 5-10 business days

Depending on the order, we use either the U.S. Postal Service or FedEx. The U.S. Postal Service can ship to a P.O. box, while FedEx ships only to a physical address.

Yes. Shipments from U.S. Money Reserve are fully insured, tracked, and guaranteed through FedEx or the USPS. An adult signature is required upon delivery.

A self-directed IRA allows you to hold traditional paper assets, such as stocks, bonds, mutual funds, and CDs, as well as a variety of other assets, including physical precious metals.

Most retirement accounts qualify, including:

• Traditional and Roth IRAs
• SEP and SIMPLE IRAs
• 401(k), 403(b), and 457 plans
• Thrift Savings Plans (TSP)
• Certain pensions and annuities

Eligibility depends on your specific plan. Employer-sponsored accounts typically must be from a previous employer or meet age-based requirements. Consult your plan administrator or tax professional to confirm your options.

Generally, no. A direct transfer—where funds move from one custodian to another—is typically tax-free and not subject to IRS limits.

If you choose an indirect rollover (where funds are paid to you first), you must complete the rollover within 60 days to avoid taxes and potential penalties. Indirect rollovers are also limited to one per 12-month period.

Your IRA Account Executive will walk you through every step.

• First, we’ll assist you in completing your application.
• Then we’ll coordinate with your new IRA custodian to set up your IRA account (typically within 24 hours) and facilitate the transfer of funds from your old custodian. While the amount of time this step takes varies, funds take an average of five business days to transfer.
• Once setup is complete, we’ll reach out to you to select your physical precious metals and arrange delivery to the depository.

All orders are registered, tracked, and fully insured. U.S. Money Reserve takes full responsibility for all precious metals orders until they are received and fully accounted for by the depository for secure holding.

Yes. You are the sole owner of the precious metals in your self-directed IRA. Once the time comes to take distributions, you can choose to take physical possession of your metals by having them sent directly to your door as an in-kind distribution.

If you are at least age 59½, you are eligible to take penalty-free distributions from your self-directed precious metals IRA. Any funds withdrawn before that age may be subject to taxes and penalties.

Required Minimum Distributions (RMDs) currently begin at age 73. For individuals born in 1960 or later, the RMD age will increase to 75 beginning in 2033.

Through U.S. Money Reserve’s IRA program, we will pay your fees for the first year with a minimum rollover/transfer of $25,000 or upon opening a new account of $10,000 on select inventory.³ A custodian will typically charge a one-time account setup fee and an annual account administrative or maintenance fee, while the depository will typically charge an annual fee for secure storage and insurance. Other transaction fees may apply. Your fees may vary based on the size of your account and the precious metals selected.

3 To be applied toward initial setup and storage fees for the first year.

You take distributions out of your plan by either:

• Taking physical possession of your precious metals (known as an “in-kind” distribution)
• Liquidating your metals for cash.

U.S. Money Reserve is available to liquidate all precious metals we have provided to our clients, according to our liquidation policy. However, you will need to consult a tax professional prior to liquidation.

If you have any questions about returning or liquidating our merchandise, please contact our Customer Relations Department at 1-855-560-5118.

Yes. At U.S. Money Reserve, we hold a significant inventory for those looking to hold gold and silver as part of an IRA or to purchase tangible precious metals outside of a retirement account. Call your Account Executive at 1-800-685-3400 to discuss your options.