IRA Frequently Asked Questions

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 Any funds withdrawn before that age may be subject to taxes and penalties.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.

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.

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.