Transfer
Move funds directly from one IRA custodian to another without taking possession of the assets yourself. Transfers are one of the most common ways to fund a gold IRA.
Gold IRA
Your retirement,
built to last
A gold IRA enables you to hold physical precious metals within a tax-advantaged retirement account. Discover how a gold IRA can help diversify your retirement savings and provide lasting protection.
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Take your savings further
The basics of adding gold to your retirement strategy
A gold IRA is a self-directed individual retirement account that allows you to hold physical gold and other IRS-approved precious metals as part of your retirement strategy. Like conventional IRAs, gold IRAs offer tax advantages. The key difference is the type of assets held within the account.
Americans are increasingly turning to gold IRAs to diversify beyond stocks and bonds and hedge against inflation.
Physical gold has a long history of performing differently than conventional financial assets during periods of economic uncertainty.
Flexible funding options
Nearly every retirement account works.
Most people don’t fund a gold IRA with new cash. Instead, they transfer or roll over retirement savings they’ve already accumulated. In many cases, that means moving $100,000 or more from an eligible retirement account.
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Individual accounts
Already have an IRA? Traditional, Roth, SEP, and SIMPLE IRAs can typically move into a gold IRA.
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Workplace plans
Funds from a 401(k) or 403(b) may be eligible—often once you’ve left the employer.
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Government plans
457 plans and the federal Thrift Savings Plan (TSP) may also qualify.
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Pensions & annuities
Certain pension plans and tax-sheltered annuities can be rolled over, depending on the plan’s rules.
3 ways to fund
Use what you already have, your way.
Most gold IRAs are funded using existing retirement assets. Depending on your situation, you may be able to use existing retirement funds or make new cash contributions.
- Transfers Explained
- Rollovers Explained
Rollover
Move eligible assets from a former employer-sponsored retirement plan, such as a 401(k), into a gold IRA while maintaining the tax-advantaged status of your retirement savings.
- Cash contributions Explained
Cash contribution
Open a new gold IRA and fund it with annual contributions, subject to IRS contribution limits and eligibility requirements.
IRS-approved precious metals
What goes inside your retirement account?
Not all precious metals qualify for inclusion in a gold IRA. The IRS establishes specific purity requirements and eligibility standards. A gold IRA may hold certain gold, silver, platinum, and palladium products that meet those guidelines.
35 th Director of the U.S. Mint
Philip N. Diehl
President President, U.S. Money Reserve
38 th Director of the U.S. Mint
Edmund C. Moy
Senior IRA Strategist Senior IRA Strategist, U.S. Money Reserve
Top-ranked gold IRA provider
Backed by decades of gold experience
U.S. Money Reserve is the only precious metals company guided by two former Directors of the United States Mint. Their decades of leadership and industry expertise help shape our commitment to education, service, and the highest standards of professionalism.
- 1 +
Million
Clients served
- $ 4.4
Billion
In trusted transactions
- A +
Rating
From the Better Business Bureau
- 25
Years
Helping Americans diversify
Build a better future
The benefits of a U.S. Money Reserve gold IRA
Starting your gold IRA is simple, easy, and secure with U.S. Money Reserve. Transfer or roll over a portion of your existing IRA or qualifying retirement account today and enjoy these benefits:
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Simple & secure process
We’ll help you complete your application and select precious metals, then ship them securely to your IRS-approved depository.
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Liquidate without penalty.
Once it’s time to take distributions from your account, you can liquidate your gold or take it home as an in-kind distribution without penalty.1
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Buy pure, physical gold.
A gold IRA contains real, physical gold that you can later hold in your hands as in-kind distributions sent directly to your door.
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Nontaxable event
Direct rollovers or transfers are generally nontaxable when moving funds from an eligible retirement account into a precious metals IRA.
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No upfront costs
We will cover your setup, transaction, transfer, maintenance, and storage fees for your first full year for accounts over $10,000.
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We do all the work.
From paperwork to portfolio design, we can handle all the heavy lifting to ensure a smooth, efficient, and stress-free experience.
Run the numbers
What would your gold be worth today?
What would an earlier gold purchase be worth today? Enter an amount and select a year to compare gold’s performance with cash purchasing power.
2005
- Gold purchased
- 112.6 oz.
- Price / oz.
- $444
12.6×
your money
A whole house. In most of the country.
Appreciated value
$629,435
while those same dollars in cash would buy just $30,139 worth today
- Gold
- Cash purchasing power
| Year | Gold price per ounce | Gold value | Cash purchasing power |
|---|---|---|---|
| 2005 | $444/oz. | $50,000 | $50,000 |
| 2006 | $604/oz. | $68,018 | $48,438 |
| 2007 | $695/oz. | $78,266 | $47,096 |
| 2008 | $872/oz. | $98,198 | $45,355 |
| 2009 | $972/oz. | $109,459 | $45,517 |
| 2010 | $1,225/oz. | $137,950 | $44,782 |
| 2011 | $1,572/oz. | $177,027 | $43,412 |
| 2012 | $1,669/oz. | $187,950 | $42,532 |
| 2013 | $1,411/oz. | $158,896 | $41,918 |
| 2014 | $1,266/oz. | $142,568 | $41,248 |
| 2015 | $1,160/oz. | $130,631 | $41,200 |
| 2016 | $1,251/oz. | $140,878 | $40,686 |
| 2017 | $1,257/oz. | $141,554 | $39,838 |
| 2018 | $1,269/oz. | $142,905 | $38,888 |
| 2019 | $1,393/oz. | $156,869 | $38,196 |
| 2020 | $1,770/oz. | $199,324 | $37,730 |
| 2021 | $1,799/oz. | $202,590 | $36,037 |
| 2022 | $1,800/oz. | $202,703 | $33,367 |
| 2023 | $1,941/oz. | $218,581 | $32,048 |
| 2024 | $2,386/oz. | $268,694 | $31,130 |
| 2025 | $3,432/oz. | $386,486 | $30,326 |
| January 2026 | $5,589/oz. | $629,435 | $30,139 |
The numbers tell a compelling story. Over time, gold has historically increased in price through changing economic conditions, rewarding those who held it for the long term rather than reacting to short-term market moves.
Meanwhile, inflation steadily reduces what your dollars can buy. Physical gold can help preserve purchasing power over time, giving retirement savers a tangible asset that isn’t tied to the performance of paper-based financial assets.
Have more questions? We’re here to guide you.
Free Consultation
IRA buyback advantage
Receive what you paid for your gold or more.
Gain added peace of mind with a first-of-its-kind protection available on certain qualifying gold purchases. Through our IRA Buyback Advantage program2, U.S. Money Reserve will buy back qualifying products at either their original purchase price or current fair market value—whichever is greater.
Limited time offer
Your fees, covered for life
For qualifying accounts purchases, U.S. Money Reserve will cover your annual storage and maintenance fees for life. It’s one more way we help make owning physical precious metals within a gold IRA more affordable over the long term.3
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Account Setup Fee
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Shipping & Insurance
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Annual Storage Fee
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Annual Maintenance Fee
Get started
3 simple steps to a gold retirement account
Opening a gold IRA is simpler than you might expect. Our Account Executives guide clients through each step, from account setup through selecting eligible precious metals.
STEP 1 Open
Work with a gold IRA specialist to establish your self-directed IRA and complete the necessary paperwork.
STEP 2 Fund
Transfer, roll over, or contribute eligible retirement assets to fund your account.
STEP 3 Secure
Choose from a selection of IRS-approved precious metals that align with your goals and preferences.
Questions?
Speak with a retirement Account Executive to discuss your goals.
You’ve learned how gold IRAs work, how they’re funded, which assets they can hold, and why so many Americans include physical gold in their retirement strategy. Now it’s time to get answers specific to your situation.
Free Consultation
Or call today
(866) 646-8465